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

E-Government is the use of information technology in to provide citizens and organizations 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. It helps to improve information flows and processes within government to improve the speed and quality of policy development, coordination and enforcement.

Current applications of e-Government in Malaysia
The examples of applications of E-Government in Malaysia are e-Filling, Renewing Road Tax and Driving License online, KWSP’s i-Akaun, E-Perolehan, e-Tanah, e-Consent, e-Local Government (e-PBT), e-Kehakiman and etc.

Common problems encountered by consumers
Security and privacy – consumer maybe worry about their private personal data and the tax return can see by others.
Language barrier - most of the government websites are using Bahasa Malaysia. So, this may be created problem since some users are more comfortable in using other language like English and Chinese.
Credibility – how accuracy of the e filing system? How to ensure that the system will not make the mistake?
Technological knowledge – some of the people may be do not have the technological knowledge. Thus, they do not know how to use the E Government application through internet.

Suggest ways to encourage more citizens to use the e-government applications
Government can organize some activities to introduce the e government application and teach the citizen how to use the E-Government application.
Eg: increase awareness through TV and radio advertisements, and organizing workshops at shopping malls.
Government should provide websites with multiple language versions.
Government should improve the security and privacy application of E-Government to make sure the data will not hack by the hacker.

Review a local e-commerce site

The Internet is a very powerful communication tool in trade. Business transactions conducted through the Internet i.e. e-commerce, are faster and more efficient because traders can reduce operational cost as well as transaction and delivery time. The unlimited expanse of the Internet can also help in widening strategic network among traders.

Blooming florist is one of the local company in Malaysia. Blooming florist has establish e-commerce site to do business transaction through internet. There are different types of product can be found in this website,(http://www.blooming.com.my/) such as flowers, basket arrangement, cookies, gifts, and etc.

The site design is attractive which can catch interest of the user, and the design and layout is user friendly because this site has category their products in systematic manner which the user can shop by the product or shop by occassion (include congratulation, happy birthday, new baby, wedding flowers and others.) The download speen is quite fast, because when click the icon, it will immediately appear the things on the screen.

The product search engine is available to enable user to search for the product they intended to find. Example, if the consumer want to buy Rose but don't know what type of Rose is nicer, he or she can use the search engine and just type Rose. Then several type of product with rose will appear.

The shoping chart is available on the top right in this site. It is a very good function for the consumer because when they find what product is interested, they can add it to the shopping chart. After shopping, they can choose the most favourable product they like and yet can make payment of transaction in a single or multiple receipt. The shopping card has display the quantity and unit price of the product. This enable to let the consumer know better about the item, price and quantity that have been choosen when shopping. With the use of the shopping chart provide, the consumer will be more easy when shop.

Blooming site has provide a good and user friendly cash-out features. The consumer neeed to fill in the information and the delivery information. There is a payment option, which consumer can pay by credit card, online banking or mobile payment. This feature is make more easy to the consumer. But the protection and security of the private information might be question.

As a conclusion, I opinion of this site is attractive and user friendly and more convinient for those people have no time to physically look for the product in Blooming Store.

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

Legal right issue always is the matter that is concerned by everyone in this world, both individuals and companies. Based on the post “TVB to protect its legal right in China” posted at My E-Commerce blog, TVB – the largest television station in Hong Kong – right is being infringed by the China certain website as the provide the video sharing facility.

Nowadays, internet is the necessary facility for the develop country. Many services are actually providing by internet facility, one of the main services is entertainment. Therefore, providing entertainment such as online game and online movie or series on the internet facility is not an action against the law. However, if this facility encroaches others people right, it can become a critical matter. In this case, when these certain websites provide the facility of series sharing, it’s actually encroaching on the TVB copyright. People no longer buy series from TVB but just watch the series from the website. When such matter happened, the party sufferer has the right to take legal action towards the aggrieved party. Whether what type of penalty will be taken against the aggrieved party will be decided by the court.

Once the court or authority body take disciplinary action against the offender, it not only teaches the offender a lesson but also warn them not to repeat what they had done earlier. On the other hand, it also gives warning to others people who plan to do the same things in an indirect way. With this, public will more concern about others legal right.

Electronic currency

For the definition is obtain from Wikipedia, the Electronic money (also known as e-money, electronic cash, electronic currency, digital money, digital cash or digital currency) refers to money or scrip which is exchanged only electronically. Typically, this involves use of computer networks, the internet and digital stored value systems. Electronic Funds Transfer (EFT) and direct deposit are examples of electronic money. Also, it is a collective term for financial cryptography and technologies enabling it.

Electronic currency has been widely used throughout the world on an institutional level for more than two decades. Which is nearly all of the deposit currencies in the world’s banking systems are handled electronically though a series of computer network.

The example of the electronic currency company is PayLoadz, PayLoadz.com system is one of the e-micropayment products. PayLoadz, Inc. is located in the heart of New York City's Grammercy District at 23rd and Park Avenue. This close proximity to the legendary Silicon Alley gives us access to an impressive pool of talent, resources, and also reminds us of the lessons learned during the dot-com fallout. We are a new media development firm specializing in providing solutions for merchants and the community of developers. Founded in 1996 as a web development company Superfreaker Studios has grown to become one of the forefront developers utilizing Macromedia development products.It is service that sell software, eBooks, music, movies, digital art, manuals, articles, certificates, forms, files, and anything else that can be downloaded. Their automated service delivers your products to your customers instantly after payment. Our system operates using PayPal's online payment system and Google Checkout. Our sellers see an average 1,000% increase in sales using our service.

The application of pre-paid cash card for consumers

Nowadays, everyone is so familiar with those Maxis, Digi and Celcom prepaid card as the mobile phone is our daily needs. Yet, how many of us ever heard about prepaid cash card? The concept is basically the same, the only different is the use of mobile phone prepaid card is for us to make a call whereas the use of a prepaid cash card is for us to purchase products and services. A prepaid cash card looks no different with a normal credit card or debit card. Users need to pay a sum of money in advance to increase the amount in the prepaid cash card in order to purchase products and services in the future.

One of the examples of prepaid cash card that is widely used in Malaysia is “Touch’n Go”. Touch’n Go is widely used in Malaysia not just because it can handle all those small amount payment but also give a lot of convenience to its users as it canbe use in many places. Many of the working people owned a car with them, Touch’n Go become very useful when they need to pay the highway toll payment. For those who do not have a car with them, they need to travel by using the public transports, Touch’n Go come into picture in some public transport such as the electronic train and bas that provide Touch’n Go facility. Touch’n Go also provide some privileges to the customer if Touch’n Go is used at certain places, for example A&W, Burger King, Seven Eleven, Caltex and Dunkin Donuts.

Another example of prepaid cash card is the octopus cash card in Hong Kong. The application of this card is almost the same with Touch’n Go in Malaysia. It is used for all type of public transport in Hong Kong as well as the on street payment such as parking payment. Similar with Malaysia, it is also useful in small payment such as payment at convenience store, supermarkets and fast food restaurant.

Prepaid cash card also widely used at other country such as the Coinstar prepaid debit card in Canada, Advance Visa prepaid card in America, Just Cash Maestro prepaid card in West Yorkshire and ACE Cash Express prepaid card at United States.

In short, prepaid cash card can prevent user from over spending as the user can only spend the amount that has been preloaded in this cash, therefore no risk for the user to get themselves into debt as it has no credit or overdraft facility.

Mobile payment system in Malaysia: Its potential and consumers' adooption strategies

For the adoption from Wikipedia website, Mobile payment (also referred to as mobile web payment or WAP billing) is the collection of money from a consumer via a mobile device such as their mobile phone, SmartPhone, Personal Digital Assistant (PDA) or other such device.
The mobile payment can be used to purchase any number of digital goods and physical goods. For example digital goods are ring tones, games, wallpaper for mobile phone and the booking cinema ticket and air ticket. Usually purchase digital good are through by SMS based transaction payments or mobile web payment (WAP).

In Malaysia, mobile payment is recently services developing fast. This service is effective providing customers with admission or money off vouchers which can be unique coded or designed to allow viral spread. The mobile channel can be effectively used as a self-funding and revenue generating medium. This service covers all mobile operators on Malaysia; it’s for prepaid and postpaid service billings.


For its potential, the customers no need to carry money or credit card to make transaction; it is by using their mobile phone to purchase the digital goods and booking cinema ticket and some. Such mobile service works on any mobile and it eliminates the hassle to queue up just to pay your electric bills. The mobile payment providers have a large market share to be grab on. This mobile payment system is still new and developing in Malaysia. It will continue to grow as consumer’s confidence on mobile payment increased.

For consumers’ adoption strategies, in Malaysia, most of the company will reward the consumer by giving gift at certain level of purchasing or giving redemption of reward. Beside that, some of the company will give extra credit to customers which are Hotlink user. With certain call and receive will accumulated the points to redeem air time or sms.