Local E-commerce site

The mobile88.com provides features articles on cell phone, cellular phone, mobile phone and lifestyle, mobile blog, and telecommunication activities in Malaysia. It also provides a comprehensive directory of mobile phone brand, phone accessories, reload card, and more in Malaysia. Mobile phone resources center provide latest Phone details, news, review on mobile phone and gadgets. Prepaid phone users one-stop shop for reload coupons, internet starter pack and SIM packs. Located in Taman Maluri, Cheras.


This website provides downloadable products such as ringtones, animated graphic,color graphic and mobile games. Besides, it also promote Malaysia Handphone, Mobile phone, Prepaid Reload, Prepaid Topup, Logo and so on. The design of this web site is simple and save space, everything arrange needly so user feel comfortable and convenience when serve net. The background of the website is white in colour so it is seem nicer for users. The website advertise latest movie in the right hand site of it. Search engine is available in the website such as Google.com or Yahoo.com and the font is blue in color. The mobile88 support team encourage users to go for face-to-face transactions of the products.

This website allows users to sell, exchange, search and auction for mobile products such as MP3 player, notebook, digital camera, handphone, PDA, software, camorder and so on. Furthermore, mobile88.com also brief about different kind of magazines such as entertainment, cooking &food, leisure, home garden, computer, fashion/lifestyle, business and more.

In conclusion, mobile88.com can help users search for more electronic tools that they need with a valuable price in a convenience and easy way.

Mobile Payment System in Malaysia

Mobile payment is a point-of-sale payment made through a mobile device, such as a cellular telephone, a smartphone, or a personal digital assistant (PDA). Using mobile payment, a person with a wireless device could pay for items in a store or settle a restaurant bill without interacting with any staff member. The earliest mobile payment trials were based on the wide area network (WAN) used for cellular phones. That meant, however, that users had to pay cell phone charges to make a payment, and also had to punch in long sequences of digits each time.

Mobile Money is a PIN-based Mobile Payment Solution designed by Mobile Money International Sdn Bhd. When mobile money comes to online selling, selecting a payment gateway is one of the major obstacles faced by the merchants in Malaysia. Mobile money will encourage more consumers to shop online. This will definitely be a great boon to the e-commerce industry in Malaysia. It will surely encourage more merchants to adopt online selling as an extra sales channel which complement perfectly with their offline sales channel to help them sell more of their goods and services. Realizing these needs of merchants in Malaysia, we are the 1'st shopping cart software provider who has integrated Mobile Money as a payment method in our webShaper e-commerce software.

Mobile payment system have lots of benefits for consumers such as:

-sell to Anyone, Anywhere at Anytime

-no minimum monthly transaction

-no rental fee

-no merchant account required

-super Low transaction fee at 1.5%

-safe and secure, Low signup fees

-get paid super fast

-multi methods to request for payment

-refund and reversal features

By informing consumers about the benefits of mobile payment system, it will increase their confidence to this technology product and more people will use the system for payment purposes.

Things to take note to prevent e-auction fraud when a consumer participating in an e-auction

Electronic auctions (e-auctions), auctions conducted online, have been in existence for several years on local area networks and were started on the Internet in 1995. Host sites on the Internet serve as brokers, offering services that enable sellers to post their goods for sale and allow buyers to bid on those items. The following are some of anti fraud measures:

• Escrow services. With an escrow service, both partners in a deal are protected. The buyer mails the payment to the escrow service, which verifies the payment and alerts the seller when everything checks out. At that point, the seller ships the goods to the buyer. After an agreed-upon inspection period, the buyer notifies the service, which then sends a check to the seller. (An example of a provider of online escrow services is tradenable.com.)
• Feedback Forum. The Feedback Forum allows registered buyers and sellers to build up their online trading reputations. It provides users with the ability to comment on their experiences with other individuals.
  
• Verification. One way of confirming the identity and evaluating the condition of an item is through verification.With verification, neutral third parties will evaluate and identify an item through a variety of means. For example, some collectors have their item “DNA tagged” for identification purposes.
  
• Appraisal services. Appraisers use a variety of methods to appraise items, including expert assessment of authenticity and condition and reviewing what comparable items have sold for in the marketplace in recent months.

Coporate blogging

Corporate blogging is another communications and marketing channel. However, unlike a press release, advertisement in a magazine or a listing in the Yellow Pages, corporate blogs are two-way communications.If your organisation is not blogging, you’re losing out on major benefits that corporate blogging can bring.

The benefits of corporate blogging are:
1.Build rapport with customers- which is give customers a channel to interact and get to know your brand and organisation in a format that they’re familiar and comfortable with.

2.Free feedback and suggestions from key constituents-gives you insights to what people are saying about your products, your brand, your competitors, your marketing from the comfort of your office chair.

3.Increased website traffic from higher search engine rankings-Search engines favour websites with fresh content and ranks your blog higher in search results, which in turn results in a greater number of referrals from search engines to your website and blog.

There are some example of corporate blogging:

1.Jonathan's blog-The blog of Jonathan Schwartz, CEO of Sun Microsystems. Although John is the CEO of a USD$15 billion company, he blogs just like a regular guy.



2.The official google blog.



3.Blue flavor blog.Blue Flavor is another successful small business that effectively employs a thought leadership strategy in their blog.
http://blueflavor.com/blog/

4.Kit Chan studio blog-A good example of a corporate blog from a Malaysian company.
http://www.kidchanstudio.com/blog/?page_id=102

5.Exabytes Blog-Another Malaysian blog, the Exabytes Blog does a good job of humanising a ‘virtual’ company and notifying readers of special offers.
http://blog.exabytes.com.my/

Besides that corporate also have their disadvantages such as:
1.The workers maybe warned or fired because of wrote something in the blog.

2.Blogs make many organization look like disorganization,with multiple tones and opinions.

3.There will be a risk that ill-judged comment could be seized upon the media or disgruntled investors.

E-Government in Malaysia

E-government is the use of information technology in general, and e-commerce in particular, to provide citizens and organization with more convenient access to government information and services and to provide delivery of public services to citizens, business partners, and those working in the public sector. The implementation of e-government was initiated by the introduction of the Multimedia Super Corridor (MSC) in 1996. In 18 April 2008, Deputy Prime Minister Datuk Seri Najib Razak launched the online renewal service, provided by MY E.G. Services Bhd.
http://thestar.com.my/news/story.asp?file=/2008/4/18/nation/20990393&sec=nation

Common problems encountered by consumers

1. Lack of computer literacy : some citizens does not have any computer literacy especially those elderly citizen. They can't renewal road tax and driving licenses online without assistance of others.
2. Do not have proper guidance : Without providing proper guidance, they can't complete the renewal process.
3. Methods of payment : there are only 2 types of payment available for this service which are credit card and debit card. This is inconvenient for those citizen does not own credit and debit card.
4. Methods of collection the road tax slip : either can collect it by visit the nearest MyEG or by delivery. If collect by delivery it charges quite high and we still need to wait for few days just can get it. While if we collect the road tax slip by our own, this is troublesome and this is nothing different with we renew the road tax directly through the JPJ.

Ways to encourage more citizen to use E-Government

1. Do more promotion : The government can do some promotion to promote the e-government and it will let e-government become more and more popular. For example, government can set up a roadshow to promote e-government and provide demonstration to citizens.
2. Security and privacy issues : Government need to make sure that all the information provided by citizen wont be leaked out and it also can increase the confident of citizens to using e-government.

The application of pre-paid cash for consumer

The prepaid cash is same as a debit card or credit card. This cards' function is let people do some transaction such as shopping or travel without take so much money in hand because when you do some transaction you can straight pay by card and you only will pay the money at the end of each month to related bank.This make people life more safety and more convinient.There are many pre-paid cash card has been use in Malaysia.The latest prepaid debit card are tune card.This tune card is no-frills products and services offering insurance package as well as prepaid Visa card.

Besides that, the most popular prepaid cash card in Malaysia is Touch n Go. The touch n go are mainly for transportation purposes.The touch n go is mainly use in highways tol,LRT, bus and for parking but now a days the touch n go expanding services toward retail purchase and purchase fast food.For example, now with touch n go you can buy burger king. A&W and Dunkin's Dougnut without holding any cash in hand.The only thing that we need to do is just reload the card and make sure there are cash available then can do any transaction.Touch ‘n Go uses contactless smartcard technology. The card looks similar to a credit card. User can continue using the card as long as it is pre-loaded with electronic cash. User can reload the card at toll plazas, train stations, Automated Teller Machines, Cash Deposit Machines, Petrol kiosks and at authorised third party outlets.

http://www.touchngo.com.my/

Other than that, there are pre-paid cash card in others countries such as Hong Kong and London which Hong kong is using octopus card while London is using oyster card.Octopus card readers can be found, not only in most modes of public transport in Hong Kong but in other places such as car parks, shops, cafes, wet markets - which sell livestock and fish - and leisure facilities. They can even be used for access control in schools and apartment blocks.People can travel around the city and pay for items in some shops without the need for cash.




http://www.octopus.com.hk/

Electronic Currency

In 1982, Dr. Chaum founded the International Association for Cryptologic Research (IACR), which currently organizes some of the most important academic conferences in cryptography research. He has contributed to the industry advancement of electronic cash, partially in his role a founder of DigiCash is an electronic cash company, in 1990.


Electronic currency is essentially a system that allows a person to pay for goods or services by transmitting a number from one computer to another. These transactions are carried out electronically, transferring funds from one party to another, by either a debit or credit.These funds are instantly cleared and secured by using strong encryption, thus eliminating the payment risk to the consumer. It is only a matter of time before electronic currency will replace the present monetary systems. Thus, electronic currency is the digital representation of money, or more accurately, the digital representation of currency. Electronic currency provides a secure means of conducting transactions in electronic commerce. Electronic Funds Transfer(EFT) and direct deposit are examples of electronic currency.

The Basle Committee(BC) was formed to examine these new electronic payment systems such as stored-value payment products, and as a result, identified two models of electronic coin payment systems: (1) the single-issuer model; and (2) the multiple-issuer model.
In the single-issuer model, the issuer creates and distributes electronic coins to banks. The bank then issues the electronic coins to their customers by loading them onto stored value cards or computer hard drives. Using this model, consumers can also transfer electronic coins between themselves using electronic wallets. In the multiple-issuer model, consumers are able to receive electronic coins from a number of different issuers. A merchant is the party in the electronic transaction that receives coins as payment, deposits them with other issuers and then contacts the system operator.The system operator then consolidates these claims and transmits this information to the issuers

The Mondex smart card is an electronic wallet that holds five different currencies and is used to transmit electronic cash over the Internet. Using this system, a consumer can browse any online service that accepts Mondex. In order to purchase, a consumer inserts his Mondex card into the card reader attached to his personal computer.Once the consumer confirms that another valid Mondex device is present on the other end of the transaction, the customer's card transfers value to the vendor's card.

The electronic currency's unique feature is provided blinded coins so consumer can avoid the coin's redemption links its original holder to the transaction when the issuer's digital signature authenticates the serial number on each electronic coin.

There are some advantages of electronic currency like Confidentiality/Privacy. Current electronic currency systems vary in their effects on privacy from total anonymity, in which personally identifiable records are not created (blinded coins), to audited systems that collect and store every aspect of each transaction. Another advantages is Security, the security of electronic currency is provided by the use of encryption. Some experts are weary about the security of online transactions