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

E-Government (electronic government) also known as digital government or online government. It provide a platform for exchanging information, providing services and transacting with citizens, businesses, and other sectors of government with the using of IT and e-commerce.

Nowadays, the applications of E-Government in Malaysia are becoming popular, for example, e-Filling, KWSP’s i-Akaun, KWSP’s kiosk machine, E-Perolehan, registering or renewing licenses and tracking state regulations. Basically, the interaction parties of E-Government can be categorized into few types, which are Government-to-citizens (G2C), Government-to-business (G2B), Government-to-government (G2G) and Government-to-employees (G2E).

Let us briefly talk about the e-Filling in Malaysia; it allows tax payers submit their tax payable assessment form through internet by filling the virtual online form. With e-filling, it reduces the workloads of Inland Revenue Board and provides convenient services for tax payer.

Although e-government brings lots of benefit to users, most of the citizens reluctant to use it. The common problems encountered by consumers are as follows:

• Lack of knowledge in operating computer or using internet functions.
• Lack of confidence towards the system security due to the happen of severe online fraud cases. They don't willing to reveal their information under the internet based environment.
  
• Users worries about the accuracy of online processing, potential errors such as double transaction or omission of transaction.

Here are some suggestions to encourage more citizens to use the e-government application:

• Increase the security and reliability level of the e-government application to enhance the confident level of users.
• Provides more guidance and education to users and let them understand more on the overall e-government processing.
• Maintaining and testing the system recently to minimize the potential errors.

References:
http://clive1201.blogspot.com/2007/11/funny-things.html
http://go.worldbank.org/M1JHE0Z280
https://spsd.hasil.gov.my/PKI/e/mainpage.html

Review a local e-commerce site- Lelong.com

Do you have experience of online shopping or participating in e-auction? Do you visiting the “e-bay”- a well-known worldwide electronic auctions website that allow you to make bids if you are a buyer or place offers if you are a seller.

This is the link to ebay.com: www.ebay.com

In Malaysia, there are quite a number of local e-commerce sites like the “e-bay”. So, now I would like to introduce a famous local e-auction and online shopping site to all of you- that is lelong.com. Did you hear this name before this?

This is the link to lelong.com: www.lelong.com.my

This e-commerce site has established in Malaysia several years ago. Lelong.com allows the users to have online internet auction and trading for many types of products or services like electronic products, books, home appliances and so on- even the houses or cars. Just like e-bay, lelong.com provide search engine in order to help the users easily find what they are interesting in. Besides, this e-commerce site also allows you to open your own “store”. Lelong.com has three different language versions- English, Chinese and Malay. It makes lelong.com stands out among the competitors in Malaysian market.

Maybe, lelong.com is not as famous or well-known as the e-auction giant- e-Bay, but this is a pure Malaysian and local e-auction site. If you always visiting the e-auction site like e-bay to buy or sell thing, why not next time you try to visit lelong.com?

A review on a post on Legal from My E-Comerce blog-How to lose your ID easily to fraudsters at home?

After review a post - How to lose your ID easily to fraudsters at home? from http://ecommerze.blogspot.com/search/label/Legal , I realized that many people include me are simply throw those statement and letter which are consist the personal information, details into dustbin. This action may bring kickback from some misappropriation of those personal informations. For example, people who stole personal details use the information to take a loan under innocent party's name.

Nowadays, misappropriation other personal information is getting worsen. In a survey result, most of the Malaysian are scare that their Identity Card and credit card being misappropriated. For the sake of individual interest, people must manage and dispose properly their credit card statement, copies of passport, Identity Card and some documents which have personal details. For example, those letter or documents can be destroyed before throw it. This can reduce the probability of fraudulence activities through steal what you throw in the dustbin.

Malaysia Government and those in charge governance can promote some activities such as conference, seminar regarding how to protect their personal information and they can enhance the verification of those documents when in apply credit card, loan and other.

In conclusion, we have responsibilities to protect our own private information and protect our interest. Therefore, we cannot throw anything at will because we need to protect our environment (can be recycled) and reduce the criminal activities caused by this reason.


some reference website(Chinese website):
http://search.sinchew-i.com/node/12349?k=%E6%9C%80%E6%80%95%E7%9A%84%E4%BA%8B%E6%83%85-%E8%BA%AB%E4%BB%BD%E8%AD%89%E8%A2%AB%E7%9B%9C%E7%94%A8

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

Nowadays, more and more people involve theirselves in the e-auction, though the number of fraud cases in e-aution are still staggering. 51,000 cases of internet fraud cases were reported in 2002. In 2006, that number ballooned to 97,000. (quoted from http://www.crimcheck.com/background-check-news/whats-internet-auction-fraud-and-how-do-i-prevent-it)


However, we can lower our risk by taking note few things as follow^^

1. User Identity Verification

As to provide a safe e-auctioning platform, e-auctioneer will verify their user identity. Lelong.com.my has 3 categories of application of membership. Their users have to verify as buyer, seller or a company by offering their personal information, such as Mykad or hand phone number. RM10 fee is required and all verification of the e-auction will need to be submitted online (http://www.lelong.com.my/verified).

Lelong Membership verification^^

2. Feedback forum

The Lelong.com.my allows registered buyers and sellers to build up their online trading reputation. It gives users a place to comment on their experiences with other individuals. But, beware of feedback from buyers dated only a few days following a sale — it may be a fake. Delivery usually takes several days, and most buyers typically use their products for several days before responding with comments to the seller.

3. Escrow Service

An escrow service acts as a third party or intermediary for buyers and sellers who have reached an agreement on terms of the transaction. With escrow service, both parties in the trade are protected. Lelong.com.my, eBay, Yahoo! and other large online auction sites provide escrow service.

How lelong.com.my escrow service works???

Electronic Currency--E-micropayment systems: Peppercoin

Today, ecommerce is certainly nothing new. People purchase online newspaper, digital images, games, CDs, and many other products and service every day. All of these online payments were small, typically under $5. Credit cards or debit cards do not work well.

Peppercoin(peppercoin.com) was founded by Ron Rivest and Silvio Micali with a vision to enable convenient and profitable credit and debit card use for small payments. The users do not require to deposit credit in advance. all of the things they need to do, it is just enter their credit or debit cards information with the merchant online as usual. The Peppercoin software will process the payments.

How Peppercoin works???

When a users purchase a product or service from a merchant, the transaction passes through a small-payment gateway to the payment service’s system. The gateway provides payment information into the system’s service for aggregating multiple payments by users to merchants. The user aggregation service authorizes consumer spending, integrates with credit cards or other payment instruments, and presents a summary aggregated bill. The merchant service handles the sellers’ end of the transaction. The banks that handle the money transfer have their own aggregation services.

Reference:

http://www.geercom.com/r8019.pdf
http://net.educause.edu/elements/attachments/rfi/rfi_2/Peppercoin_summary.pdf

http://www.schwartz-pr.com/case_studies_pages.php?ind=19&id=43

Review on a post on e-tailling from My E-Commerce blog- Amazon launches SMS shopping

After reviewed a post that related to e-tailing from My E-Commerce blog (http://ecommerze.blogspot.com/search/label/e-Tailing), I would like to share some personal opinion. The post i reviewed is about Amazon.com, an e-commerce giant, launches their new business practices- SMS shopping on 1^st April 2008.

For this SMS shopping, I am very interesting in this practice. This is the first time I heard about SMS shopping. In Malaysia, I never heard SMS shopping from my family members, friends and anyone around me, maybe one of the reasons is Malaysian basically do not have those habit perform their business transactions not so directly and thus do not have interest to know such practices.

E-tailing, also well known as online retailing become more and more popular because there are less costly and have a bigger market. However, the more popular the online retailing represents the more competitive in such market. Online retailer need to launches more special idea and those practices to differentiate them self with others that can bring convenience to the customers just like the SMS shopping above mentioned.

As a new generation, I would still like to try this “SMS shopping” although I also lack of confidence to perform such business transaction just like most of the Malaysian. The reason is, why not we try? Maybe we will love it after we try………….

If you need further information, please visit: Amazon.com website.

The application of pre-paid cash card for consumers

Pre-paid cash card is one of the payment services that allow us to transform cash into card and enjoy the convenience that no need to bring along a lot of cash and lesser the troublesome of exact fares.

One of the well-known pre-paid cash card in Malaysia is Touch-n-Go which either can be a card or built in the Identity Card with 64k chip. Touch-n-Go mostly uses in the Malaysia transportation such as public bus, trains, Highways’ Tolls and car park with its linked network. Recently, this card’s functions were expanded more widely in making payment transactions with A&W, Burger King, Dunkin’ Donut, 7-Eleven, Carrefour hypermarkets, Caltex convenience stores and Cineleisure.

Compared the Octopus application in Hong Kong with Touch-n-Go, Octopus is more advance and innovative. Even the vending machines also can be paid though this payment service. The most interesting is the Octopus may either in the card form or accessories for example the key chains, plush toys and jewelry.

In Taipei, well-known pre-paid cash card is EasyCard, which completes the payment transactions with the wireless signals through Identity Card memory chips and induction circuits implanted in the card. This card mostly be used in the transportation services.

In Singapore, EZ-Link Card also same functions as the card mentioned above, it can be used in various services and industries such as restaurant, convenience store, government services, shopping mall, academic and transportation.

The following website hope may help you for further information~~

Touch-n-Go:
http://www.moha.gov.my/eng/system/print_details.asp?tt=content&contentid=445

http://ecommerze.blogspot.com/2008/04/using-touch-n-go-card-to-buy-fast-food.html

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

http://www.touchngo.com.my/WhatTNG_card_TNG_4.html

http://thestar.com.my/news/story.asp?file=/2008/4/12/nation/20902911&sec=nation

Octopus:
http://www.asiarooms.com/travel-guide/hong-kong/getting-there/hong-kong-transportation/octopus-card.html

http://www.thingsasian.com/stories-photos/2582

http://www.contactlessnews.com/library/2008/05/12/octopus-extending-tentacles-outside-of-hong-kong/

EasyCard:
http://www.taipeitimes.com/News/taiwan/archives/2008/06/13/2003414650

http://www.trtc.com.tw/e/service.asp?catid=%E4%B9%98%E8%BB%8A%E6%8C%87%E5%8D%97&small=%E8%BB%8A%E7%A5%A8%E7%A8%AE%E9%A1%9E

EZ-Link Card:
http://sun.systemnews.com/articles/103/1/news/16948

Credit Card Debts: Causes and Prevention

Credit card becomes more popular in these few years. Credit card is very convenient in trade but the credit cards also arose some problems since it’s under control such as credit card debts. In these few years, many people had declared bankrupt, the majority caused by credit card debts.

Causes of credit card debts:

1. Credit card users are poor in money management. Those users didn’t have proper plan about their existing income and expenses before make decision to spend the money.
2. Credit card users use debts to pay debts. The users used credit card to pay off their spent or expenses. This will have snowball effect.
3. Credit card is providing future money of Credit card users’ services; it is also borrowing money activities. The application of credit card is easier than previously.

Prevention of credit card debts:

1. Bank can increase the qualification of apply the credit card.
2. Credit card users need to improve their money management skills through attend some conference, read some related book and etc.
3. Credit card users can use cash to pay their spent if cash is available to the amount, reduce the usage of credit card.
4. Credit card users can regularly to pay their debts when the statement is received. This can reduce the interest charge of bank; either is in full or part of the amount.

credit card is a useful cards also can be a trouble cards, please think carefully before you use.
If you face credit card debts problem, you can link to this website.this maybe can help you.
http://mycreditcardsolution.com/malaysia-credit-card-debt-solution-website/

The treat of online security: How safe is our data?

As time goes by, more and more business conduct relies on the internet to operate and conduct business. However, in 2007, the Computer Security Institute (CSI) reported that the average annual loss reported by US companies is more than doubled, from $168,000 in the report in 2006 to $350,424 in the survey of 2007.

Treats & attacks
There are many threats to e-commerce that may come from sources within an organization or individual. The followings are some of the potential security threats that can be found:

1. Phishing - an attempt to obtain sensitive information (eg.usernames, passwords & credit card details), by masquerading as a trustworthy entity in an electronic communication.
2. Virus - a program or piece of code that is loaded onto your computer without your knowledge and runs against your wishes.
3. Trojan Horse - A destructive program that masquerades as a kind application. Unlike viruses, Trojan horses do not duplicate themselves
4. Worm - A program that duplicates itself over a computer network and usually performs malicious actions

Here’s some useful security tips to share^^

1. Turn on Windows' automatic-update function to get Microsoft's regular security patches.

2. Don't give away any personal information on social networking Web sites (eg. MySpace or Facebook profile).

3. Use one of the many antivirus, antispyware, and firewall programs on the market.

Reference:

http://www.technewsworld.com/story/31171.html

http://www.businessweek.com/technology/content/nov2007/tc2007119_234494.htm?chan=technology_technology+index+page_top+stories

http://www.networkworld.com/news/2006/012006-fbi-security.html

Phishing

Phishing(fish for information) is one type of criminal activities which use social engineering technique attempt to trick people in order to get the personal sensitive information such as account username, password, credit card information fraudulently through the internet.

User receives an e-mail that is pretend a true company or bank like paypal, ebay, HSBC bank and etc sent by phisher. In the e-mail, it provide link to a fake spoof websites. The users feel that they are login in to the real company or bank’s website. The user unknowingly provides the personal information to the phishers.

Some identification of phishing mail:

1."Dear customer"- normally,if the company or bank send to you,they will use your full name.

2. most companies wouldn't ask or confirm personal information through the e-mail or phone.

3.most companies wouldn't require customers to reply in a short period.

4.you can type the company's website yourself , it is more safety than click the link in e-mail.

5.e-mail maybe in poor grammar or misspelling.

Some latest examples:

prevention methods:
1. Use firewall, anti-virus and anti-spyware software to protect your computer system. Some phishing e-mail contains virus, trojan, other threats.
2.To ensure your browser, system software and other applications have the latest security updates available. it can reduce the risk.
3.alert the address of the page should start with "https://" not just "http://" and the Lock icon should be displayed in the browser's status bar.
4.Don't want click on the link in the e-mail which is to access banks or companies' websites in order to login in with personal information.Eg. passwords, username
5.Use anti-phishing software which can disable all links in suspected phishing emails or can check with some websites help you to determine whether it is a phishing mail.


Some reference websites:

http://anti-phishing.org/

http://www.millersmiles.co.uk/

How to safeguard our personal and financial data?

The internet security issues are always being discussed due to the development of technology. Besides provides convenient, internet also become a channel for illegal activities such as unauthorized access to others information. The following are some of the suggestions that can be used to safeguard our personal and financial data.

For individual, we are always advised to keep our password and username privately and only enter it in the secure and creditable website. Before give out our information and password, it is better for us that read the website's Privacy and Security Policies and look for the “locks” icon, especially for the financial site; we should trust the “https” website rather than the “http” and check the valid certificate icon. Beside that, the software such as the firewall, antispyware and antivirus programs are also able to increase the security level by filter the unauthorized websites. Other than that, to prevent become a victims, you are advised not to open any mystery attachments because it might be a trap to lure you.

For the organization, it is essential to protect customers, employees and organization information confidentiality. Ways to enhance security included set up an authorization such as password to authorize certain people to access certain database, set up authentication to allow authorized employees to maintain the database or server and function with the useful and up to date antispyware and antivirus software. Furthermore, the business with e-payment, its website must contain an encryption function to protect the payment transactions undisturbed.

The following links are other guidance that may help in protecting your information when using the internet, hope these are useful to you:

• http://finance.yahoo.com/banking-budgeting/article/103893/Six-Ways-to-Safeguard-Your-Online-Assets
• http://www.msisac.org/awareness/news/2007-03.cfm
• http://www.us-cert.gov/cas/tips/ST06-008.html
• http://www.pueblo.gsa.gov/cic_text/computers/shoponline/shoponline.htm
• http://www.privacyrights.org/fs/fs23-shopping.htm
• http://www.creditcards.com/credit-card-news/safeguard-personal-information-online-1282.php

The application of 3rd party certification programme in Malaysia

When conducting e-commerce transactions, do you have sufficient confidence on the security? Can you sure that the web page is the official web page? Therefore, there is a practices called certification programme. This is performed by the third party in order to verify and authenticate the web site.

The “third parties” who issue the digital certificate to verify and authenticate the website is called certificate authorities. Digital certificate actually can be considered as an electronic “credit card” that establishes the credentials when conducting business or performing transactions on the Web and normally it contains the holder’s name, validity period, public key information and a signed hash of the certificate data. There are some famous certificate authorities (CA) such as VeriSign and MSC Trustgate in Malaysia which is established in 1999.

____________________________________________________________________________________
VeriSign- www.verisign.com



MSC Trustgate- www.msctrustgate.com



____________________________________________________________________

Normally, the certificate requestor’s computer generates the public and private keys. After that, the company keeps its private key in its local system and sends the public key to the CA just above mentioned. Then, the CA will verify the company’s identity and make sure that the requested certificate is valid for the given requestor. If it is permitted, the CA signs the public key and binds it to a certificate. Lastly, the CA will issues and manages the certificate until its expiration or in the situation of revocation.

Basically, the application of third party certification programme is able to enhance the reliability of the e-commerce site and therefore improve the customer trust.

Notes: In my opinion, we need to confirm that we are performing the transactions in the “real” website when we are conducting the e-commerce transactions, one of the method is we can check the website have the certificate icon or not, or the website have been verified by those CAs or not.

An example of an E-Commerce success and its causes--GAP.COM

“This is about being clicks and mortar – letting customers access the Gap brands, whether in the store or online”
– Ron Beegle, E-VP, Gap Inc.Direct

Link: www.gap.com

Being the first bricks-and-mortar retailers to venture online, today, Gap Incorporation is one of the world’s largest specialty retailers. Out of US$15.8 billion revenue in year 2007, US$903 million was contributed through e-commerce.

Company Background

In 1969, Don Fisher and his wife Doris opened the first GAP store in San Francisco. The company took name from “generation gap”. Within a year, GAP reached $2 million sale. Stayed ahead of industry trends, Gap began to develop its online strategy. An online store was introduced in 1998 at www.gap.com, GapKids and BabyGap went online, followed, in1999 by BananaRepublic.com and oldnavy.com.

Causes of success

Gap was in retail industry for around 40 years. People trusted the brand. Customers already knew products, sizes and styles. This relieves the fear of buying clothes online. Secondly, company was spread all over the world which made online customers reachable by offline stores. Customers can return online products that did not fit to any Gap store whereas pure-plays customers had to mail back products. Company saved 49.9% of total costs for a Bricks-and-Mortar department stall.

Assessment of Typical Expenses of a Bricks-and-Mortar Department Store

An example of an E-Commerce failure and its causes-- Kozmo.com

Kozmo.com was one of the failure cases in the E-commerce industry and was founded in 1997 by investment bankers Joseph Park and Yong Kang with $4.5 million capital which rose from private investors.

The mainly service is delivering the goods with an attractive idea that is free of delivery charge. Customers can order wide variety products such as video, books and snack food from internet and it would be free delivered to them within one an hour even during the rainy day. It was attracted a lot of customers at that time, unfortunately, a tragedy was fall to Kozmo.com because of this attractive service provided.

Although the Kozmo.com received a lot of business, but the company was still unable to cover its expenses and costs. It was obviously showed that they can not afford the delivery cost after expanding its business to seven cities. The most significant is in year 1999, it had $3.5 million in their revenue but it faced a net loss about $26.4 million. The company tried to cover it with a charge on partly transaction, but it still unable to change the fate of the Kozmo.com. In the April of year 2001, the company ran out of its money and lay off its employees.

The main causes are the delivering fee was hard to be covered from the gain of selling the product and it was too difficult to expand its business to larger market. The analysts pointed out that the Kozmo.com must increase its customers' average orders and create an efficiency route structure that messengers can make multiple deliveries on something approaching a door-to-door basis. It is truly a loss of internet user that unable to enjoy this convenience service.

References:

http://www.cyberspacers.com/news/dot_com_flops/
http://www.cnet.com/4520-11136_1-6278387-1.html
http://www.ecommercetimes.com/story/6568.html?welcome=1213463999
http://tim.blog.kosmo.com/blog/_archives/2005/8/8/1119285.html
http://www.thestandard.com/news/2008/05/29/where-are-they-now-kozmo-com
http://news.zdnet.com/2100-9595_22-517775.html

Identify and compare the revenue model for Google, Amazon.com and eBay

Nowadays, Google, Amazon.com and eBay are most popular website or company in the internet. Many people feel curious that how those companies to generate huge income through internet. Now, let me tell you all about the five revenue model of those companies.

-Sales revenue is the income receive from sales of goods and services.
Google doesn’t have focus on the sales in their website, thus do not have sales revenue.
Amazon.com. has selling books, CDs, and videos through the website.
eBay has Marketplace where goods trading take place.
In sales revenue part, majority revenue of Amazon.com is come from this area.

-Transaction fees are the commission earned based on the volume of the transactions.
Google’s business less involve in the sales transaction.
Amazon.com collects fees only when the item sells.
-http://www.amazon.com/gp/help/customer/display.html?nodeId=1161240
eBay may earned transaction fees from each successful transaction made by the bidders or sellers.
-http://pages.ebay.com/help/sell/fees.html
In transaction fees, ebay’s transaction revenue are more than Google and Amazon.

-Subscription fees are the fixed fees paid to get some services on monthly or yearly basis.
Google: For Premier Edition of organization package in gmail, it needs to pay $50 per user account on yearly basis. Other services no need to pay the fees.
Amazon.com: Some Digital Content made available to audience are on a subscription basis, this including, but not limited to, electronic newspapers, magazines, journals and other periodicals. Amazon has the right to change subscription terms and fees from time to time.
-http://www.amazon.com/gp/help/customer/display.html?ie=UTF8&nodeId=200144530&qid=1213378239&sr=1-2
-http://www.amazon.com/gp/help/customer/display.html?ie=UTF8&nodeId=200169380&qid=1213378239&sr=1-1
eBay: eBay Stores offers three subscription tiers with features designed to boost your success through every stage of business growth.
-http://pages.ebay.com/storefronts/Subscriptions.html
Amazon and ebay’s subscription fees are more than Google.

-Advertising fees are the advertisers paid the payment to publisher because advertisers want to offer their goods or services to public and post the advertisement on publishers’ website.
Google: Most of the revenue of Google are come from advertising fees, the services provided is Google Adwords.
-https://adwords.google.com/select/Login
Amazon.com. allows merchants to upload the product catalog feeds and bid for advertising space on the Amazon.com website.
-http://www.amazon.com/Advertising/b/?node=276241011
eBay also allow advertiser to publish their advertisement on eBay’s website.
In the revenue of Google, it is about 99% come from advertising revenue.

-Affiliate fees are the commissions received by companies for referring customers’ link to others' websites and helps in promoting the products and services. These fees include cost per thousand impression (CPM), cost per click (CPC), and cost per acquisition/action (CPA).
Google: The google adsense is a program which includes AdSense for search and AdSense for content. Google affiliate revenues are generated by those activities.
-http://www.webmasterradio.fm/Internet-Marketing/Blog-Buzz/Affiliate-Policing-and-More.htm Amazon.com: Amazon associate affiliate program is a site that links to products for sale on Amazon and can fetch the site owner a 15 percent commission on every new item sold at a discounted price.
-http://affiliate-program.amazon.com/gp/associates/join
eBay: In eBay, if someone clicks the link and wins the auction; both side can get commission.
-http://www.imgiver.com/index/internet-marketing/article/ebay-affiliate-fees/
These three companies have affiliate income.
*Those website as a reference…

The history and evolution of E-Commerce

E-commerce is also known as electronic commerce. It is the process of buying, selling, transferring or exchanging the products, services, and/or information over the electronic system like internet and/or other computer networks.
The meaning of e-commerce has changed over the last 30 years.
Originally, e-commerce refers to the facilitation of commercial transactions electronically, using technology such as Electronic Data Interchange (EDI) and Electronic Funds Transfer (EFT) which are both introduced in late 1970s.
In 1980s, credit cards, automated teller machines (ATM) and telephone banking are also accepted as forms of e-commerce.
From 1990s onwards, enterprise resource planning systems (ERP), data mining and data warehousing would also additionally be included in the meaning of e-commerce.

There are several steps involved in the history and evolution of e-commerce:
1st step=>
Development of Electronic Data Interchange(EDI)- EDI is a set of standards developed in 1960s to exchange the business information and execute the electronic transactions. But, there are numbers of EDI formats to be used by business and hence the companies is unable to interact with each other. In 1984, EDI was standardized through ASC X12. This enable the companies to complete transactions with one another stably and reliably.
2nd step=>
Development of online retailing- In 1992, CompuServe offers online retail products to its customers. This is the first time that the people are able to buy things off their computer.
3rd step=>
Development of web-browser- In 1992, Mosaic web-browser was available and it was the first “point and click” web-browser. After that, Netscape browser was introduced in 1994. It provides the users a simple browser to surf the Internet and a safe online transaction technology called Secure Sockets Layer.
4th step=>
Two of the biggest names in e-commerce are launched- Amazon.com and eBay.com were launched in 1995.

5th step=>
Development of Digital Subscriber Line (DSL) - DSL allowed quicker access and a persistent connection to the internet. This stimulates people spend more time and money online.
6th step=>
Retailing spending over the internet- In 1999, retail spending over the Internet reaches $20 billion, according to Business.com.
7th step=>
Hackers’ Attack to the e-commerce players- In February of 2000, some major players of e-commerce such as Yahoo, eBay and Amazon were attacked by the hackers. The attacks represent the need to improve the security in the development of e-commerce.


Current step=>
E-commerce applied broadly compared with old time; however the development of e-commerce is embarrassed by the security issue.

Reference:
History of E-commerce- www.ecommerce-land.com/history_ecommerce.html
History of E-commerce- www.flysyk02.netfirms.com/Ecommerce/History.htm
Electronic Commerce- http://en.wikipedia.org/wiki/E-commerce

Who am I??

I am Mei Jin from Johor. My secondary school is Foon Yew High School and now I am the student from Utar of Y3S1 Accounting Tutorial Group 1 and will be graduated in the following year. My hobbies are playing badminton and watching drama. Beside that, I also like to spend my free time with my computer either surfing website or playing computer game. (Tell you a secret…I got quiet a lot of mini games…^^).My favorite animal are panda and hamster. I rear hamsters before, but very sad……they all died with same diseases. For panda, it is very impossible for me to rear it, because they will cost me a lot on their favorite bamboo.^^

The following are the top 5 websites that I visited mostly:

1. www.facebook.com

This website allows us to know other people and it contains a lot of link application which included mini games, e-cards, horoscope analysis and etc.

2. www.hotmail.com

I check my email recently with this website.

3. http://s3ac2fy2005.unrealblogs.com

This website is created by my classmate in secondary school. It is a place for all my secondary school classmate to communicate with each other.

4. www.sinchew.com.my

I can get the various news same as the newspaper from this website.

5. www.google.com

It is a very good search engine for me to search information, article, pictures and etc related website link.

The top 5 activities which I always do by using internet are chat with my friends with MSN, play online games such as Dota, gather information for my assignment, watch the online drama with ppstreamplayer and read the online newspaper.

This is my first time to write a blog, thanks for your patient to read it and feel free to give me comment.^^