E-COMMERCE WONDERLAND

Nowadays, many countries are implementing e-government including Malaysia. The implementation of electronic government started since the introduction of Multimedia Super Corridor (MSC) in 1996 by the Malaysian government. This implementation will improve the government operates internally and also how it delivers services to the people of Malaysia. Besides that, it also can improve the convenience, accessibility and quality of interactions with citizens and businesses.

The vision of e-government is to transform administrative process and service delivery through the use of IT and multimedia. According to the survey on international e-government ranking list, Malaysia’s ranking is 25th out of 32 countries in terms of e-government usage growth. It is due to Malaysian government put in efforts to promote e-government services.

Most of the e-government project implementations are currently in progress. The 7 projects of the Electronic Government Flagship Application are Project Monitoring System (SPP II), Human Resource Management Information System (HRMIS), Generic Office Environment (GOE),Electronic Procurement (EP), Electronic Services (E-Services), Electronic Labour Exchange (ELX)and E-Syariah.

Here are the Malaysian e-government successful application:

* Government’s drive for e-government service

* Electronic Labour Exchange (www.elx.gov.my) has matched 75,000 potential employees with employers since 2005.

* SMS alert on e-government services

* Online renewal of driving licenses

* Electronic filing of income tax forms

* Voter information

* Details for government tenders

* Employment opportunities

Implementing e- government still has some challenges in Malaysia. It can be risky, expensive, difficult and required changes. Ineffective project management, technology failures, funding discontinuity and unrealistic political demand are the problems in the development of e-government implementation. Hence, monitoring and evaluation are essential to effective E-government.. The first priority in Malaysia is improving the core government applications and integrating more services across agencies. Government also need to guide and control the transformation of government into e-government rather than just focusing on introduction of ICTs. At the same time, government need to strengthen the involvement of citizens and businesses use by ICT in public decision must be progress.

In conclusion, the success of e-government implementation in Malaysia is an important factor to determine Malaysia’s progress towards achieving vision 2020 and to build global bridges between Malaysia and other intelligent cities for mutual enrichment.

By Hooi Shang

• Firstly, as we know, students will always faced financial problems since they do not have any income during their studies. Therefore, by having e-learning, it can help students in saving their cost by paying tuition fee, accommodation fee, transport fee and others. Students just need to have their computer or laptop with the internet connection and they can start their e-learning process. It is convenient for them and they can avoid some traveling cost compared to traveling and have their course in a campus as the traffic in Malaysia will be congested during the peak hour.
  

• Secondly, it is also convenient and flexible for students in such a way that students are not bound to a specific day or time to be physically attending classes. This is because e-learning sessions are available everyday anytime. Students can just online and start their studies whenever they are free. They can also pause learning sessions whenever they want or when they have some other things to be done.

• Furthermore, they will not be so tiring since they can just sit in their house and proceed with the studies without traveling from house to campus. E-learning can be done whenever and wherever they want. Students can proceed with their learning when they are not at home if they have the laptop with them. They can just fill up their free time with E-learning. Whenever they do not understand in some area, they can just post the question to the forum and people in the forum will have a discussion and try to solve their problems.

• One of the disadvantages of E-learning from student’s perspectives is students can hardly make friends by just communicating through internet. This is because they can not clearly understand the person’s personality and without face-to-face communication, is hard for a people to build a friendship and understand that person. Besides, students will lack of socialization skills and it will not be an advantage in their future when they need to work in the society. They might lack of some verbal communication skill since they are just communicating to each other via internet without speaking verbally to each other in the previous days. This will lead to some conflict when they are working in an organization.
  

• On the other hand, there is also a problem when students face difficulty or do not understand in some particular area, they can not get the solution on the spot whereas they need to post the question on the forum and wait for replies. Some how, even if their queries has been replied, the explanation given might not be accurate because they will not know the real identity of the person who replies whether they are expert or not. Moreover, if the explanation provided is not clear enough or the student’s problem still have not solve, students will face difficulty because they do not know where to find a proper person to make their queries cleared. Everything in this world will have their pros and cons, same goes to E-Learning.
  

I hope the above information provided can help you all have an understand about causes of credit card debt and the prevention methods.

By Teng Teng

A pre-paid cash card is a stored-value card that allows us to make payment using that card so that we do not need to bring so much cash along with us. We can just transfer the cash to credit in the card and just use that card to do the payment. So, sometimes if we do not bring cash we also can use the card to pay for it. A pre-paid cash card is similar as a debit card. One major difference between pre-paid cash card and debit card is that debit cards are usually issued in the name of individual account holders, while stored value cards are usually anonymous.

Although the pre-paid cash card works almost the same like a credit card, a pre-paid cash card is different because it allows consumers to have a better control over their finance. They must make sure that their card has enough credit before they spend. It is much more convenient and are designed to be used as a safer alternative as compare to cash.

A prepaid cash card can be used to buy things and pay bills, such as utilities, as long as it is accepted in different retailer. The most common pre-paid cash card we can see everyday in Malaysia is the Touch ‘n Go smart card. It is used by Malaysian toll express way and highway operators as the sole electronic payment system (EPS). It is designed to ease the queue congestion at toll plazas and some drivers use together with SmartTAG (a non-stop electronic toll collection system).Besides, this card can also be used on some other public transportation system in Kuala Lumpur such as KTM Komuter , KL Monorail and Rapid KL . Besides, the Touch ‘n Go smart card can also be used in certain parking lots and some merchants such as A & W, Carrefour ,7-Eleven, Burger King, Baskin Robbins and others.

In conculsion, by using the prepaid cash card, it enhances the speed of paying for low value but high frequency transactions. Furthermore, it is also convenient because consumer need not bring a huge amount of cash and waste their time in queuing up in the cash lane to complete the transaction. Moreover, by not bringing huge amount, it can reduce the social problem and reduce the risk of being rob, theft, snatch and others.

By Sze Ying

The advancements in technology grow at an alarming rate, and each week we see new things that we ever were possible before. According to the 2009 Security Threat Report from Sophos, one new infected Web page is discovered every 4.5 seconds. By logging on to the net, you are at risk at once. Online security threats are a big challenge today. The main threats of online security are Spyware, Computer Viruses and Hackers.

Computer Virus is a computer program that can spread itself and infect a computer without the permission or knowledge of the owner. Most personal computers are now connected to the Internet and to local area networks, facilitating the spread of malicious code. Today's viruses may also take advantage of network services such as the World Wide Web ,E-mail, Instant Messaging , and file sharing systems and virus will be sent through the infected file or mail. Moreover, our email address book will be one of the sources for the virus to find new people to attack.

Hackers are increasingly motivated by money and stealing our bank account and credit card information. Hackers will try to hack into the computer system, get the information and transfer the money to their account without authorized by the top management. Therefore, in order to avoid yourself getting involed in the threat, users must protect their computer by installing anti-virus software, such as Avira Anti Virus and always be alert when using internet.

By Sze Ying