A review on a post on Legal from My E-Commerce blog

Nowadays, most of the people would like to purchase goods through internet as the price would be different and it is convenient for the consumers. However, online purchasing is not 100% safety. Many people, especially teenagers had been cheated when they performed online purchasing. Some companies will attempt to deceive consumers by displaying cheaper products online in order to attract and seudce people to make a transaction with them. After the consumers made the payment, they won’t receive the goods they had ordered. Thus, it was very important for us to be more cautions while buying goods featured on the internet.

In fact, it is advisable that consumers should purchases goods in well-known website such as ebay, amazon and so on. In the other words, don’t make a big deal in the website you are not familiar.

Besides that, customers should look at the online merchant's refund/return and customer privacy policies and beware of online merchants who do not prominently display refund/return or privacy policies.

On the other hands, customers would look for the security alert and the lock icon when making online purchases through Internet Explorer, which will pop up "security alert" when you connect with a secure server. Moreover, consumers may look for the addresses that start with “https” which means that the information you fill out in an ordering form will be encrypted and securely connect to the merchant.

In conclusion, due to the development in technology, online purchasing becomes popular and well-like. However, there are a lot of traps in internet and users should be aware of it and be cautious while performing online purchasing.

*http://ecommerze.blogspot.com/search/label/Legal*

Corporate blog: the new marketing communicating tool for companies

Corporate blog is an effective communicate medium that used by organization to meet their organization goals. Corporate blog enable organization to interact with customer more directly and respond immediately to their question.

There are few TYPE of corporate blog:

Internal blog
This is the blog where just can access through the organization intranet by any employee.

External blog
This kind of blog is publicly. It’s usually used by organization when there is a release of new product and responds to the customer question.

CEO blog
This is the discussion blog among the CEO

Steve Rubel , a vice president of client services at CooperKatz& Co is an expert in blogging and he has suggested a FOUR step formula :

1. find influencers in the subject matter.

2. Listen to people, recognize their needs, and subscribe to other blogs to better understand the customer

3. engage people in dialogue through email and have a blog to join in the discussion

4. give people authority, which helps bloggers achieve their goals while creating loyalty customers

Advantages :

deliver a company message to customer more directly

get faster feedback from customer through blog

enable organization more understand the customer needs

more participation of employee in discussion

Disadvantages:

employee may reveal too much organization information to customer

hard to predict the reaction of the customer

hard to manage : debate between customer and employee

A blog of car company

E-Government in Malaysia: Its implementation so far and citizen’s adoption strategies

E-government (also known as electronic government) is a diffused neologism used to refer to the use of information and communication technology to provide and improve government services, transactions and interactions with citizens, businesses, and other arms of government.

Many countries are implementing e-government including Malaysia. The implementation of e-government started since the initiation of Multimedia Super Corridor (MSC) by the Malaysia Government in 1996. It has improved both how the government operates internally as well as how it delivers services to the people of Malaysia. In addition, it seek to improve the convenience, accessibility and quality of interactions with citizens and businesses, at the same time, it will improve information flows and processes within government to improve the speed and quality of policy development, coordination and enforcement.

“Roadmap for a tech enabled government” is one of the visions of Malaysia Vision 2020. The vision focuses on effectively and efficiently delivering services from the government to the people of Malaysia, enabling the government to become more responsive to the needs of its citizens.

There are 7 pilot projects of the Electronic Government Flagship Application:

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 (ELCX)
7. E-Syariah

Government-to-Citizens

The Government-to-Citizen (G2C) relationship refers to services provides to fulfill citizens’ needs. Citizens seek more reliable and accessible services from the public sector. This implies that citizens should be able to carry out variety of tasks that involves multiple agencies, from a single access point. Increased interactions between government and citizens encourage citizens to become more participative thus allowing the government to respond to their needs more effectively. This category of relationship desires electronic services and infrastructure.

The myGovernment portal (http://www.malaysia.gov.my) acts as one-stop source of Malaysian government information and services for the citizens. Below are some online access services provided by government to citizens:

• Electronic driver’s license issuance and renewal
• Integrated passport and visa processing
• Electronic tax payment and processing
• Smart traffic fine payment
• Electronic road tax and vehicle registration
• Electronic EPF/SOCSO management
• Easy employment licensing/permitting
• Electronic IC renewal
• Electronic quit rent processing and payment
• Smart commercial vehicle licensing/permitting
• Electronic pension processing
• Integrated low cost housing management
• On-line consumer information
• On-line health information
• Electronic public complains information
• Electronic school/higher education registration
• Electronic polling/survey

There are some recent surveys about e-government adoption in Malaysia, stated that the usage of e-government service is growing but at a small pace. In 2003, only 15% of Malaysian has used the Internet to access online government services compared to 12% in year 2002. In addition, there are some challenges faced by government in adoption of e-government services. The main challenge in e-government in Malaysia is the technological change, which includes issues such as standards, data integration, legacy maintenance and privacy and security. The key priority is to improve the core government applications and integrating more services across agencies. Simultaneously, market the e-government services to the public and businesses.

Related Links:

e-government

e-government in Malaysia

electronic Government in Malaysia

Implementation of electronic government in Malaysia: the status and potential for better services to the publicMalaysian

Review a local site - Blooming.com.my

www.blooming.com.my is the local e-commerce site that has been established in Malaysia and began operations since 1981; it has been grown from a small retail shop to its present set-up five retail outlet and now with its e-commerce operation. It allows the Internet users to have online Internet trading for the product such as flowers, baskets and etc. There have many types of the flower such as hand bouquets and potted flowers. During the special occasion like Valentine Day, Mother Day, Father Day and so on flower always will be the best choices to show the loves to their beloved. Furthermore, the basket arrangements such as fruits baskets, gourmet baskets and various types of hampers, and snacks such as cookies, cup cakes, cakes, quiches, chocolates, candies, wines and pies and other products.

product of blooming.com.my

Let Blooming Florist be your first choice for

FLOWERS.

Worldwide delivery, satisfaction guaranteed. The delivery of product will be on time and satisfied the customers. The procedures are been stated in the web pages. In addition, this websites provided many sample of the flowers and baskets, customers can choose from the picture show in the websites. Besides that, the price was stated below of each sample, this convenient the customer to make comparison the price of the product. Although, the site design of this website is simple and dullness as it does not emphasizes on the layout and does not draw the attention of the customers but it is having the colorful and unique designs of their products which are quite attractive. Due to the website having a lot of pictures of the products, the download speed is quite slow. This website also provided the floral arrangement tips, floral care, and popular card message and so on to the customers. Moreover, this website is user friendly as it has FAQ (frequently asked questions) section that answers the consumers about the problems relating to placing an order and delivery guidelines. There is no doubt that blooming.com.my was websites that provided the Quality product and Quality services.

www.blooming.com.my

It also provides the search engine to help the users easily find what they are interesting in. Consumers can also choose to shop either by products or by occasions as they have arranged it in their home webpage. There also have the some special promotion for the flowers are stated in the home webpage where this is one of the strategic to attach more customer. Moreover, also provides customer with a secure shopping carts so that customer can shop safely. Customer can verify the product through the VeriSign Secure Site. Consumers can make the payment for the purchases in various ways such as through online credit card, online banking, mobile payment, pay using Kawanku ATM, open bill payment and also cash payment in their retail outlets.

Mobile Payment System in MALAYSIA

MOBILE PAYMENT SYSTEMS in MALAYSIA: Its POTENTIALS and CONSUMERS' ADOPTION STRATEGIES




Mobile payment system(also known as mobile web payments or WAP billing) allow individual to make the payment through their mobile phone, smart phone, Personal Digital Assistant(PDA) or other such device. It can use to purchases either digital or physical goods. Digital product refers to the intangible products that can be transfer over a digital network such as songs, games and wallpaper for mobile phone.


Mobile payment is developing fast in Malaysia such as MobileExec and Mobile Money. Both of the system allows customer to pay for their goods or services through a mobile device without having cash on hand. Besides that, the other companies in Malaysia also come out with various services by applying the same concept such as Maxis, Celcom and so on.

Thus, have a great potential as the customers are more comfortable with this payment system. On the other hand, consumers can make transactions in their house as it is not necessary for them to go to the shopping centre. For example, the customers can book cinema ticket through their hand phone. Besides that, as a matter of convenience, the customers no need go to find ATM machines when they have insufficient cash on hand.
Hence, it will continue to continue to growth as consumer’s confidence on mobile payment increased.

For consumers’ adoption strategies, most of the companies offer bonus point, promotion, rewards and various incentives to build up the loyalty of the customers. For example, Hotlink will give extra credit to Hotlink users with certain calls or points.

A review from a post on E-tailing from My E-commerce blog

A REVIEW on a POST on

E-TAILING from

MY E- COMMERCE BLOG

http://ecommerze.blogspot.com/search/label/e-Tailing

From the link above,to the ecommerce’s blog, we can know that many offline businesses have started to move their step into electronic retailing (e-tailing). E-tailing simply mean retailing conducted over the internet, online. The e-tailing most likely is sale of goods and services to individuals (B2C). E-tailing has become a competitive advantage to the business as the internet became so important and popular nowadays. An example of e-tailing is the Amazon.com which is also the king of retailing. Amazon has continuously expanding and enhancing their product selection from books to electronic product to other nonretail activities. Some special features such as amazon allows customer to send and receive email to the book author has retain the loyalty of the customer.

From the blog, we can see that various business, even fisherman in Tanjung Dawai also go to e-tailing. We can’t deny that internet already play an important role in business. It also increases the standard of living of the fisherman while benefit them in term of profit.

In order to survive in e-tailing, it’s not just creating a website online and do then carrying out the business. It must also provide some special services or features in order to differentiate their website from other. From the example, we can see that online shopping is being top of the e-tailing market. However, many consumers are worrying about the size of clothes that they purchased does not fit them . To overcome this problem myShape.com allow consumer to purchase personalised clothing collection matched with their style and fit preferences and body dimensions.

E-tailing can enhance your business. Business in the offline market can consider starting their business online. Online market is globalisation and we can attract many customer. In additon, setting up a webpages is much more easier compare with open a physical outlet. However, from our opinion, physical market is equally important for us. For example, Dell which is well known as selling personal computer and laptop through online is already conducting their business in the offline market. As some consumer will be more confident and convincing in the product in the offline market. Offline market reduces the fraud and other security issues in the internet. Moreover, it also reduces the unemployment rate. Therefore, the better way is to make a combination in your business through physical market and online market.

Cause and Prevention of Credit Card DEBT

Consumer likes to purchases an item or service through credit card anytime anywhere. The convenience of using credit cards has stimulated the usage among people which has become a big social problem as it can lead many people into bankruptcy. Debts will increase when the consumer unable to pay the company for the money he or she spent. There have several reasons that cause the credit cards debt, such as following:


Poor Money Management
People are unconscious in conducting a monthly spending plan and do not keep track of monthly bills and that why individuals have accumulated many credit card debts. They usually spent on the unnecessary or no value items and when there is a need to purchases the required items people may short of cash and use credit card frequently. There might have some charge on purchasing using credit card, people tend to pay for the interest on these purchases every month. Thus, it end up with debt when they unable to make payment.

Lifestyle

Nowadays, people are likely to live in the lifestyles that they preferring even they may spend more than they earn. Therefore, they find that using credit cards is the one of the way to afford their lifestyle. For example, they may prefer to have luxury living style such as to having decoration, limousine, having meal in high-class restaurant, braded clothes and so on which are the causes of credit card debt to be a lot when they unable to pay the debts.

Consumption
Due to the convenience of using credit card, people tend not to bring a lot of cash goes for shopping. What they need just to bring along the light and handy credit card and purchase the merchandises and services that they want rather than to worry the insufficient cash to be consume. As a result, they would not realize how much they actually expended at the time, they will only know until the bill send from credit card bank which may causes a lot of debt need to pay.

Financial Ignorance
People less of the financial knowledge, so they spent money without taking into the consideration the key concept of saving and investing. They spend too much and save little. They are responsible to theirs life and money anyways so that they have to find out the correct ways to spend money. However, nowadays financial mistakes are increasingly expensive and complicated to resolve. The deficiency of financial knowledge raises the credit card debts because people tend to use credit cards in the incorrect ways without knowing the financial strength and limitation.

On the other hand, there have some of the PREVENTION METHODS to overcome credit card debts:

1. Set a clear BUDGET

People have to create clear budget and stick on it that includes monthly bills, food, clothes, entertainment and miscellaneous expenses will prevent from overspending and fall under deeper debt load. Otherwise, can get advices from a consumer credit counseling centre where they will help you work out different payment options for your credit cards.

2. Deal with CREDITORS

Address the problem to creditors to investigate whether they could give revised payment arrangement when having trouble to pay off debts because running away is not a good solution. If not, may refer to Fair Debt Collection Practices Act if the collection of money from creditors is not fair enough. Creditors may approve proposal and accept modified payment plan when hiring a good credit card debt consolidation companies.

3. Get rids of DEBIT CARD

By using debit cards, people will not spend more money than money they have and wont over the limit. There is no doubt that debit cards are a superb toll to get rid of credit card debt.

4. Get rids of CREDIT CARD

Get rids of credit card is one of the ways to live a debt free life. People can limit the number of card and using credit card that provide low interest balance transfers, transfer the balances from your other cards onto the card with the lowest rate. Besides that, only use the credit card when there is an emergency.

5. SELF CONTROL AND DISCIPLINE

The best practices of getting out of the credit card debt are able to pay back the full amount each month and only use in emergencies. Thus, self control and discipline to keep these cards in wallet and would not overspend. Besides that, avoid impulse purchases. Only purchase items that really needed. Do not buy it if it not a necessity. If you think you have badly in self control you can tear up credit card applications when the credit card company sends you those application forms.

Resisting the pressures of the credit card society will be a lot easier once you have set your mind to it, and started to feel the benefits. Enjoy the process, and you will be a cash convert for the rest of your wealthy life. ^^