One of Malaysia’s E-commerce sites that I found is http://www.bpfair.com/. This is a site which I fascinated on it. Some reviews been done for your reading.
E-catalogue – A list panel of various categories of items will found in left side. They are arranged according to different categories.
Search Engine – You know exactly what you item but lazy find through e-catalogue? Search engine can ease you burden. Just type in the item name, and result will come out in few seconds. Result can too be shown either in tiles, thumbnail, or list, according to your preference.
Top Sales – In the right side, there is a column for displaying the rank for top sales items. If you wish to be one of the fashions, you may refer to the top sales rank there.
Description – After clicking the item you like, you will able to see the details, description, and price of that particular item. You can also read the comment given by user or seller before buying it.
Bonus – Every item will have its own reward point. The more you purchase, the more points you collect. Points can be used to enjoy a discount up to 10%. (Click here)
Shopping Cart – For the items you like, you may just add them to the shopping cart. After done, all you need is just a click, and then all the transactions will complete at once.
Payment – User can do the payment through CIMB Bank, Maybank2u, Public Bank, or RHB Bank. These banks are the popular bank that most Malaysian familiar with.
Forum – This is a place where user or customer can leave down their message or question, and they will get reply as soon as possible.
Customer Service – Two floating windows will appear in left side when you scrolling down. For online service, you may access to it during working hours, through calling, MSN, or Skype. After working hours, you may access offline service by leaving message or call for it.
P.S: Logo and pictures being protected. For more details, please make yourself available at http://www.bpfair.com/
One of Malaysia’s E-commerce sites that I found is http://www.bpfair.com/. This is a site which I fascinated on it. Some reviews been done for your reading.
After discuss few topics with all of you, today I will like to share with all of you, what is corporate blogging. Corporate blogging is published and used by an organization to reach its organizational goals. It is used by a company to produce and support a blog to achieve business objectives and to be known with their services. Although there is few types of corporate blogging, but typically it is can be categorized as either external or internal blogs.
1) Internal Blogs
~ Is a blog that can be view by every employee and is generally accessed through corporate intranet.
~ It encourage
- employees participation
- free discussion of issue
- collective intelligence
- direct communication between various layers of organization
- a sense of community
http://www.brookgroup.com/Resources/Internet-Marketing/Corporate-Blogging.html (Internal Communication)
2) External Blogs
- Is blog that is publicly available for company employees, teams, or spokespersons share their views.
- Also can be treated as public communication blog which it is used to communicate to prospects, clients, employees and the media. Press releases and project updates can be posted, as well as job opportunities or information that the company wants to distribute outside of the normal news channels.
To read more detail about external blogs, you can click the link below:
Typically there is some famous type of corporate blogs, which is:
1) Company Blog
2) CEO Blog
3) Industry Blog
4) Department or Product Blog
5) Customer Service Blog
For further explanation and also example for above those famous types of corporate blog, you can access to this link for some further reading:
(The 5 Types Of Corporate Blog – with example)
Why we have corporate blogging?????
1. Become the Expert
2. Customer Relationships
3. Media Relations
4. Internal Collaboration
5. Knowledge Management
7. Test Ideas or Products
8. Rank High in Search Engines
Explanation of about can be access through this link
(Why blog for business)
There is some practices need to be account to make the corporate blog is being useful and benefits, which is:
- Fine print
- Know what you are doing
- Create blogging policies
- Avoid the marketing blog
- Keep it fresh
- Reinforce the company core value
- Encourage employees to use it
Explanation of the practices above can be found in:
(Secrets of Corporate Blogging)
Top 15 sites of corporate blogging (Sept 2008)
3. Yahoo! Search
8. Southwest Airlines
9. General Motors (wound up)
1. Project Monitoring System (SPP II)
2. Human Resource Management Information System (HRMIS)
3. Generic Office Environment (GOE)
4. Electronic Procurement (EP)
5. Electronic Services (E-Services)
6. Electronic Labour Exchange (ELX)
Electronic Services (E-Services)
With E-Services, citizens can conduct transactions with government agencies, such as Road Transport Department (RTD) and private utility companies such as Tenaga Nasional Berhad (TNB) and Telekom Malaysia Berhad (TMB) through various convenient channels (eg: eServices kiosks and Internet) .
Electronic Labour Exchange (ELX)
ELX is one stop-centre for labor market information that supervises by the Ministry of Human Resource (MOHR) to enable employers and job seekers to communicate on the same platform.
E-Syariah is a case management system that integrated processes related to management of the cases to the Syariah Courts. It eventually improve the quality of service in Syariah Courts as the Syariah judges are able to get access to past cases and obtain the information they need for particular case quicker that before.
Electronic Procurement (EP)
EP system enables suppliers to sell goods and services to Government through the Internet. It would cover central contracts, tender and direct purchase.
Human Resource Management Information System (HRMIS)
HRMIS provides single interface for government employees to perform human resource functions effectively and efficiently. It helps to standardize all human resource processes for federal, state, statutory body and local authority services.
Generic Office Environment (GOE)
GOE is a powerful document and office management solution that enables users to effectively and efficiently manage their office environment. It facilitates efficient communication, allows collaboration across all workers and ensuring right information reach to right people in a timely manner.
Project Monitoring System (SPP II)
SPP II is an online system that designs to monitors the entire lifecycle of national programs. It also provides a platform for exchanging ideas and demonstrating best practices models in information management and communication services.
You can click to http://www.mait.com/admin/enews_images/MAIT%20Country%20Intelligence%20eNews96_37.pdf and http://www.intanbk.intan.my/psimr/articles/Article1%20-%20Full.pdf for detail information about these 7 pilot projects.
Citizen’s Adoption Strategies
In order to attract and encourage citizens to using the E-Government System, few strategies can be carrying out by Government:
o Enhance the security of those E-Government systems to built citizens’ confidence
o Enactment of relevant rules, regulations and policies to govern the implementation of E-Government systems to safeguard, secure and protect the privacy of users
o Organize activities such as advertisement and campaign to educate public about E-Government systems and the benefits that can gain from it
o Simplify the procedures that need to follow by the users in using E-Government systems to increase users’ satisfaction
o Provides E-Government websites with multiple language
o Provides Internet access points and officers to assist the illiterates to benefits from E-Government services
o Fulfill the needs of citizens by understand what are the other services and benefits that they want gain from E-Government system
E-learning is a type of learning that used technology(software, application, computer) to support the learning process. The delivery mode of e-learning will be lack of face to face interaction due to the use of computer in conducting the learning. It usually will use by universities as a tool to offer their courses to student or it also used by an organization to provide training to their staff.
Nowadays, Universities in Malaysia become more attentive to this type of learning. In the old days, television, transperancy and projector is used as a teaching material. However, with the introduction of the excellent software and hardware, e-learning has been gradually accepted by the public and become a convenient tool in pursuing their studies.
c)Reduce costs and time, Students can learn from anywhere without travelling to the universities as they can conducting the lesson from their home. This can save the travelling costs and time especially for the student who do not has enough budjet to further their studies in overseas.
c)Access, since e-learning need an internet access, students sometime will feel frustated when the internet connection is slow or having a problem in accessing to a particular websites. Besides, they may facing a problem to deal with the complex learning application and difficulty in manage the computer files.
Hey, do you still remember those days we get some coins to buy our first bread or roti canai? The day we get the notes rather than coins, just to buy some fried rice or noodle soup? And now, using Dad’s, or maybe own credit card to purchase movie ticket online? These are some of the evolution of how we spend our money.
Credit Card, if you used it wisely, of cause you can experience the convenience it brought. However, to prevent from bearing a big burden of debt, Debit Card now exists to solve the problem!
Both the credit card and debit card give the same concept of not to bring too much money inside one’s wallet or purse. However, credit card is in a postpaid method, which means after you swipe, you will only require to pay back a month later. On the other hand, debit card which is the prepaid method, will straightly deduct your card’s money that had reload to it.
From a study, it discovered that there is a transaction growth of 8% by using debit card in the second half of 2008. In 2009, there will be further growth despite of recession.
(Further information, please click on http://www.atmmarketplace.com/article.php?id=11024)
The growth of debit card should not be doubt on, because the used of debit card is too broad. Below are some of the examples where debit card can apply on:
- Purchase petrol, groceries, or fast food
- Purchase movie ticket
- Purchase theme park ticket
- Withdrawal of cash
- Online bill payment or online purchase
- Student bill payment
- Replacement of traveler cheque, cash
- Toll payment
- Public transport fare
- Parking fee
Below are some examples of Pre-paid Cash Card:
What is Obopay?
How Obopay work?
2. Touch ’n Go
What is Touch ‘n Go?
Where to use Touch ‘n Go?
3. Visa Debit Card
What is Visa Debit Card?
Why Visa Debit Card?
Octopus user guide:
Where to use EZ-Link?
6. Public Bank UTAR Debit MasterCard
PB UTAR Debit Master Card User Guide:
Mobile payment (m-payment) systems have been developed in recent years to facilitate purchases of products, services and content in mobile and electronic commerce and also at physical points of sale. It is a point-of-sale payment made through a mobile device, such as cellular telephone, smartphone or personal digital assistant (PDA). Instead of paying cash, cheque or credit cards, a consumer can use m-payment to pay for a wide range of services and digital or hard goods.
Examples of M-payment systems that available in Malaysia and its potentials are:
Hong Leong Bank has teamed up with a Malaysian company, Mobile Money International Sdn Bhd to bring its customers this innovative payment system. It unlocks the power of the mobile phone to make payments and allows card members to pay for goods and services using a mobile phone coupled with a 6-digit security PIN (Personal Identification Number) via SMS. This unique method of payment is called as “Mobile Money”. It is secure as the mobile phone is linked to the Hong Leong Mobile Credit Card account and the security PIN is set by the customer which used for approval of each payment. Its convenient will encourage more consumers to shop online which will definitely be a great boon to the e-commerce industry in Malaysia. For details, please refer to http://www.hlb.com.my/news/2005/corn148.jsp?flag=102005 and http://www.neowave.com.my/mobilemoney_overview.asp
TeleMoney is Malaysia’s first mobile payment service via multi-channel access for Internet and wireless transactions that launched in November 2001. Through TeleMoney, Malaysians can enjoy a secure and convenient method to conduct mobile commerce using a GSM cellular phone. It is a service free of banks and telco dependence. A consumer with a credit card or debit card with a cellular phone can register for this service. To register, a consumer only need to have a GSM phone and a TeleMoney personal identification number that connecting it to a credit card, debit card, stored valued card, bank account or even the phone account.
Malaysian mobile operator Maxis launched the world’s first contacless mobile payment system based on NFC (Near Field Communications) technology on April 2009. This m-payment system is called as Maxis FastTap. It is an integrated mobile payment service established under a partnership with Nokia, Visa, Maybank and Touch ‘n Go and available only on the Nokia 6212 classic device. NFC is a short-range wireless technology that allows communications between devices at close range. It offers high levels of interoperability between devices and readers and global standard for contactless mobile payments with a wide range of features that allows credit card, debit card, ticketing and transportation payments to be integrated into a mobile phone. For details, please refer to
http://www.telecoms.com/10397/maxis-brings-nfc-payments-to-malaysia and http://mis-asia.com/news/articles/worlds-first-contactless-mobile-payment-system-launches-in-malaysia
Mobile wallet is mobile phone that has functionality to replace a traditional wallet and more. It stores personal and sensitive information like passport, credit card information, PIN codes, online shopping accounts, booking details and insurance policies that can be encrypted or password-protected. This technology aims to reduce the number of items that people need to carry around. With mobile wallet, consumer can use their mobile phone to pay transactions at merchants that accept mobile payments. The user just needs to upload digital cash from a credit card to their mobile phone and swipe their mobile phone at payment counters. For details, please refer to http://www.mobileworld.com.my/v1/content/view/219/62/
In order to attract and encourage consumers to using the m-payment systems, few strategies can be carrying out:
o Organize activities such as advertisement and campaign to educate public about mobile payment systems and how the systems work
o Enhance the security of those m-payment systems to built users confidence
o Simplify the procedures that need to follow by the users in using m-payment systems to increase users’ satisfaction.
o Collaborate with more banks to facilitate and widen the use of m-payment around the world
o Lower down the costs that will be charge for each transactions that made through m-payment systems
Hello, it has been one week time I never update my blog, last two week I have share with all of you about revenue model of some e-commerce website and discuss with all of you whether there are some threat of internet or how safe of our data is. I think it make all of you understand even more how online transactions work and how we can be safe by using it. Today, I will like to share further with all of you again, which it is about how actually those payments being make for those transactions online? If all of you still confuse how online transactions make the payments and receive the payment, here got some useful information for all of you. Actually those payment make or transfer is calls Electronic Currency.
Electronic Currency (also known as electronic money, digital currency, digital money, electronic cash, digital cash, and digital money) is the money or scrip which is exchange electronically, which is through use of computer network, internet and also digital stored value systems. In more detail, e-currency means the money that can use for shopping, do investment via internet by through credit card payment or some other payment methods. There are few popular example of electronic currency which is:
~ Liberty Reserve
Typically it has two major types of electronic currency, which major different is the backed base, the types is describe below:
1) Backed by Precious Metal – such as e-gold which it is backed by gold
2) Backed by Hard Currency – example like Paypal
This is the link that got further explanation of the type of electronic currency:
There are some major characteristic of electronic currency which is:
• The transfer of electronic currency is instant and ‘real time’ and cannot be reversed. It is just same like when you have purchase a cup of drink from a restaurant and you had pay for it, after that if u suddenly feel regret and would want to refund back for the payment, it is impossible because the transactions are final and not reversible in this kind of situation, so same situation apply by using electronic currency.
• Secondly, the transfer of electronic currency is private and anonymous for the sender and receiver, it means that normally it would not show the real identification of the sender and receiver and generally the account titles shown during transaction are numbers, nick names or email addresses. Additionally, just like actual cash, the source of the funds is never disclosed to the receiver.
Requirement of Electronic Currency
5) Off-line Operation
7) Hardware Independent
For the explanation and example of above requirements of electronic currency, you can refer to this link file:
After share with all of you about the types, characteristics and requirements of the electronic currency, now I would like to share about benefits and limitation or disadvantages using electronic currency.
- provides users a quick, simple and safe way for shopping instead of showing their credit card information to merchant who they do not know
- offer a variety of services without having to handle physical cash or checks. Customers do not have to wait in lines; this provides a lower-hassle environment.
- Debit cards and online bill payments allow immediate transfer of funds from an individual's personal account to a business's account without any actual paper transfer of money. It saves up the time of process and doing paper work.
2) Low Transactions Cost
- Unlike other businesses that eat up your profit with exorbitant fees, electronic currency trading allows you to do business with minimal fees giving you more profit and more money for you.
3) Anonymity and Detection of Double Spender
- Highly confidential for users ID and also information and real-time checking of all transactions make the possibility of multiple expenditures negligible.
- allows access to a global market where not restricted and controlled by local currencies.
Disadvantages or limitation:
1) Fraud or Criminal Activities
- hacking into bank accounts and illegal retrieval of banking records has led to a widespread invasion of privacy and has promoted identity theft.
2) Failure of Technology
- such as network breakdown, defected by virus or worm, power failure that cause loss of data and record may be one of the issue of electronic currency.
- it is still an issue of how safe the confidential information of a credit card or debit card holders to be protected and personal information will not be misuse.
4) Costly to Implemented and Massive Databases
- Additional required of hardware is quite costly for installation and the bank have to maintain a detailed and confidential database which required them to have massive databases.
Below are some link that describe further about the Advantages and Disadvantages of electronic commerce, anyone interest can surf for it and understand it further.
Nowadays, credit card becomes a common instruments where many peoples now use it to pay for their bill in their daily use. Actually, the procedures and terms for applying credit card in nowadays is much simplier if compare to the past time. This may due to the competition between financial institutions where they try to attract more customers by lower down their interest rates and conditions. It is not surprising if you can found out that a person can hold 5 credit cards at the same time. However, everything in this world is double sided which are the application of credit card become easier now but it is not easy for the card holders to settle their debts. So, this week let me hare with you all the causes and preventions of credit cards debts.