25 June 2008



3rd party certification programme is performed 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 (CAs), who issue digital certificate to provide verification that your website does indeed represent your company. One of the certificate authorities is MSC Trustgate.com Sdn Bhd. It is a licensed CA in Malaysia which incorporated in 1999, under the Digital Signature Act 1997 (DSA).

Besides, VeriSign Secure Site is use to ensure data confidentiality and integrity, all information transmitted over the Internet is encrypted using the 128-bit Secure Sockets Layer (SSL) protocol from Verisign Certificate Authority. SSL is a secure way of transferring information between two computers on the Internet using encryption. Strong end to end encryption is also adopted within the bank’s computer networks and resources. SSL helps you deliver a secure and convenient way for your customers to interact with you over the Internet. When you display the VeriSign Secured Seal, your customers will recognize the most trusted security mark on the Internet and gain the confidence to complete their transactions with you.

Lastly, by applying 3rd party certification, there are more safeguard for online shopping, which means the customers can shop safely. In addition, the confidentiality of customers towards the internet will also be enhanced and hence the organizations will be able to earn more profits.

24 June 2008

Personal and financial information means any record containing a customer of a financial institution, whether in paper, electronic, or another form, that is handled by behalf of the institution or its affiliates. Data can be defined, or classified, with labels such as public, personal, sensitive, confidential, secret, top-secret, or other categories. The more valuable or sensitive the data, the more it needs to be protected. By classifying the data you handle you are performing the first step of protection - by knowing what your data is you can then implement specific kinds of controls for that data.

Here are a few approaches on how to safeguard our personal and financial data:

· Avoid using passwords that are easy for someone to guess, such as the name of your favorite pet or your date of birth. Never write this information down and never carry it in your wallet or briefcase.
· Regularly scan your computer for spyware - Spy ware or adware hidden in software programs may affect the performance of your computer and give attackers access to your data. Use a legitimate anti-spyware program to scan your computer and remove any of these files
· Do not reveal any personal information or particularly passwords to anyone. After using any of the Financial Data Center or member services, must remember to log out properly before leaving the Financial Data Center.
· Establish guidelines for computer use - If there are multiple people using your computer, especially children, make sure they understand how to use the computer and Internet safely. Setting boundaries and guidelines will help to protect your data
· Follow corporate policies for handling and storing work-related information - If you use your computer for work-related purposes, make sure to follow any corporate policies for handling and storing the information. These policies were likely established to protect proprietary information and customer data, as well as to protect you and the company from liability.
· Avoid unused software programs - Do not clutter your computer with unnecessary software programs. If you have programs on your computer that you do not use, consider uninstalling them.
· Pay attention when using an ATM and keep your eyes peeled for anyone who seems a little too interested in your transactions. Use your free hand to shield the keypad when entering your PIN. Besides that, banker can add on fingerprint scanning on ATM machine.
· Keep software up to date - Install software patches so that attackers cannot take advantage of known problems or vulnerabilities
· Use and maintain anti-virus software and a firewall - Protect yourself against viruses and Trojan horses that may steal or modify the data on your own computer and leave you vulnerable by using anti-virus software and a firewall. Make sure to keep your virus definitions up to date.
· Follow good security habits - Review other
security tips for ways to protect yourself and your data.
· Keep your card close. Whether you are out shopping or eating out, watch how clerks handle your card. Then take your receipt with you and never throw it away in a public place.
· If share information with another user or use our services on a public computer such as in a public library, school computer lab or Internet cafe, must remember to close the browser window. That is to prevent other users from reading your personal information and mail.


19 June 2008


eBay is The World's Online Marketplace, enabling trade on a local, national and international basis. With a diverse and passionate community of individuals and small businesses, eBay offers an online platform where millions of items are traded each day. In addition to its original U.S. Web site, eBay has established localized Web sites in thirty other countries.

Millions of collectible, decor, appliances, computers, furniture, equipment, vehicles, and other miscellaneous items are listed, bought, and sold daily. In 2005, eBay launched its Business & Industrial category, breaking into the industrial surplus business. Some items are rare and valuable, while many others are dusty gizmos that would have been discarded if not for the thousands of eager bidders worldwide. Anything can be sold as long as it is not illegal and does not violate the eBay Prohibited and Restricted Items policy. In June 2006, eBay added an eBay Community Wiki and eBay Blogs to its Community Content which also includes the Discussion Boards, Groups, Answer Center, Chat Rooms, and Reviews & Guides.

EBay has a robust mobile offering, including
SMS alerts, a WAP site, and J2ME clients, available in certain markets Best of eBay is a new specialty site for finding the most-unusual items on the eBay site. In 2007, the total value of sold items on eBay's trading platforms was nearly $60 billion. This means that eBay users worldwide trade more than $1,900 worth of goods on the site every second.
eBay offers various online help features, including a library of self-help resources, e-mail contact forms and "Live Help," which lets users chat with customer service representatives via instant messaging. Although this is not available to users on international sites such as eBay.co.uk, members of international eBay Web sites are welcome to utilize eBay.com's Live Help service. eBay does offer some phone support to its customers although this is limited to sellers of the rank "Bronze PowerSeller" and above, the company's term for members who sell at least an average of $1,000 worth of goods per month on the site, as well as to eBay Store owners. PayPal is an e-commerce business allowing payments and money transfers to be made through the Internet. It is also a European bank based in Luxembourg. It serves as an electronic alternative to traditional paper methods such as cheques and money orders. PayPal performs payment processing for online vendors, auction sites, and other corporate users, for which it charges a fee. It sometimes also charges a transaction fee for receiving money (a percentage of the amount sent plus an additional fixed amount). The fees charged depend on the currency used, the payment option used, the country of the sender, the country of the recipient, the amount sent and the recipient's account type. On October 3, 2002, PayPal became a wholly owned subsidiary of eBay PayPal enables any individual or business with an email address to securely, easily and quickly send and receive payments online. It has 149 million registered users and is accepted by millions of merchants worldwide - on and off eBay. PayPal's Q1 2008 global total payment volume of $14.4 billion accounted for nearly 9 percent of worldwide eCommerce. Acquired by eBay Inc. in October 2005, Skype is the world's fastest-growing Internet communication company that has revolutionized the way people talk online. With more than 309 million registered users as of early 2008. In addition to its presence on eBay, Skype has relationships with a growing network of hardware and software providers. Other key acquisitions have strengthened eBay Inc.'s portfolio of ecommerce companies, Stubhub, a leading online marketplace for the resale of event tickets; rent.com, the most visited online apartment listing service in the U.S.; StumbleUpon, an online solution that helps people discover and share content on the web; and market-leading online classifieds sites including LoQUo.com, Intoko, and Netherlands-based Marktplaats.nl.

18 June 2008

Electronic commerce, commonly known as e-commerce, is the process of buying, selling, transferring, or exchanging products, and/or information via computer networks, including the Internet.
The meaning of electronic commerce has changed over the last 30 years. In the 1970s, electronic funds transfer(EFT) which could be routed electronically from one organization to another. After, electronic data interchange(EDI), a technology used to electronically transfer rountine documents. It allows businesses to send commercial documents like purchase orders or invoices electronically.At the 1992, CompuServe offers online retail products to its customers. This gives people the first chance to buy things off their computer. At the 1994, Netscape arrived. Providing users a simple browser to surf the Internet and a safe online transaction technology called Secure Sockets Layer. At the 1995, two of the biggest names in e-commerce are launched: Amazon.com and eBay.com. DSL, or Digital Subscriber Line, provides fast, always-on Internet service to subscribers across California. This prompts people to spend more time, and money, online at the year 1998.
In the year 1999, the emphasis of EC shifted from B2C to B2B, and in 2001 from B2B to B2E, e-commerce, e-government, e-learning, and m-commerce. In 2005,social networks started to receive quite a bit of attention, as did 1-commerce and wireless applications.

E-commerce forces you to become efficient and to provide value; if you don't, your failure will be swift. The new business paradigm that has resulted from B2B e-commerce technology has a tendency to weed out low-value players quickly, simply because the technology has created a more level, and infinitely larger playing field. If you participate in an open electronic venue, then you will undergo intense scrutiny. If someone else is selling the same product for a half cent lower, then your buyers will know about it immediately.

Many electronic venues have feedback mechanisms as well.eBay is perhaps the best-known example of this. When somebody buys something on eBay, they have an opportunity to rate the seller and make comments. These comments are readily accessible to any other potential buyer, who may review them before making a purchase. This sort of mechanism keeps you honest, but it also is very unforgiving. Botching two or three deals could greatly diminish your chances of selling much there ever again.

Failure cause in today's electronic economy are a lot different than they used to be, and long-standing relationships may fall apart in the face of intense scrutiny and heightened competition. Some common factors involved in failed B2B e-commerce initiatives include:

  • Relying on long-term relationships -- Getting comfortable and assuming that a business relationship, because it has existed for years, will continue to exist. Long-term business relationships are a thing of the past in the electronic world, and the ability to see everyone's wares at once makes us fickle.
  • Focusing too much on the "e" in "e-commerce" -- Customers still need personal attention; this is why successful e-businesses have multiple channels of communication, not just the Web. The whole concept of e-commerce is so electronic, there is a natural tendency to overlook the actual human customer at the other end of the transaction.
  • Vertical integration -- Trying to do everything under one roof. More companies are outsourcing technical support, fulfillment, security management, Web hosting, and almost everything that doesn't have to do with their core businesses. Companies that do this are nimble and efficient, and they run rings around huge, monolithic companies that try to bring everything inside.
  • Attempting to hoard information -- You can't keep secrets in an electronic marketplace. Whereas a traditional company may have flourished by keeping information on a "need to know" basis, this no longer works. Information is the fuel of the new economy, and you, as a business participating in B2B e-commerce, have to kick in your share.

17 June 2008



E-commerce can be define as the process of buying, selling or exchange products, services and information via computer networks.

Now, let get started to discuss how e-commerce can reduce cycle time,improve employees' empowerment and facilitate customer support :-
1) E-commerce can reduce cycle time
The cycle time is the time it takes to build a product. Because E-commerce enables greater efficiency in coordination of the entire production process, it also acts to reduce time. One of the following example can be seen is the Dell Computer Company. Dell Computer Company website allow the customer to enter the order status information through online. So that the customer easily track their product orders and more rapidly gain access to routine technical support information. Besides that, when this website is available online, the customer do not need to queue up to buy the computer or its accessories. This can help customer to save their valuable times even the costs. Furthermore, online catalogs can provide considerably more information and be more current than their paper-based counterparts. Even in cases where sales representatives travel to visit clients at their facilities, they can have absolutely current information about products, inventories, and order status through the use of such technologies as laptop computers combined with modems. Now let us look at the Dell Computer Company again. Although Dell Computer Company has a number of standard designs, each computer assembled may be customized by the customer. Recently, Dell has developed sets of standard packages for each of its large customers through its Premier Pages program. This program provides paperless purchase orders, approved product configurations, global pricing, real-time order tracking, purchasing history, and information on Dell's account team for each major customer. Besides that, E-commerce are provide 24-Hour Access which is the online businesses never sleep as opposed to brick and mortar businesses. E-commerce allows people to carry out businesses without the barriers of time or distance. One can log on to the Internet at any point of time, be it day or night and purchase or sell anything one desires at a single click of the mouse. Moreover, E-commerce can help to reduce cycle by quicker delivery. Quicker delivery allows quick delivery of products and services especially with digitized products.

2) Improve employees' empowerment
E-commerce can help to improve employees' empowerment by giving the training to them. Some company will recruit their employee by giving the benefit and bonus and select their employee by giving the test to them base on online basis. Employees will have more authority and power to make their decision through E-commerce. It provides more information to employees when their employees are face the difficulties, so E-commerce can help the employee to access the information which are needed.

3) Facilitate customer support
Consumer behavior is more complex today than ever before. If the customer is satisfied your services provided, they will be a loyalty customer for the company and vice versa. Nowadays, many companies will have their own website. This website is try to attract their customer to purchase their product online. Moreover, like McDonald and Domino Pizza, they provide a delivery of fast food service to increase the customer satisfaction. The customer can place a order online or make a phone call in order to get a foods. In addition, many of the company will provide a FAQ in their own website. This system will answer the questions which are normally been ask by the customers. Some more,FAQ system can bring more convenience and satisfaction to their customers. All this kind of system can bring the good image to their own company.

11 June 2008

Hey guys, I am Naghini D/O Sriarasaratnam. I am from Kuala Lumpur currently doing Bachelor of Commerce (Hons) Accounting in Universiti Tunku Abdul Rahman (UTAR). I was born on 29th of August 198.... I am the eldest in my family. My family members consist of dad, mom, younger sister and of course me. I started my school life in SRK (P) Methodist 1 then continued my secondary level at SMK (P) Methodist kl and currently I am in UTAR. I love reading story books and listening to music. My favourite author is Sidney Sheldon and I am an ardent fan of him.

The top 5 websites that I always visited are http://www.yahoomail.com/. This website allow me to check and send mails. second is http://www.friendster.com/ allow me to keep in touch with friends. Next is http://www.thestar.com/ because this website for me to keep up with current issues. Besides that, http://www.indiamoviezone.com/ can allow me to download songs and movies. Last is http://www.google.com/ . This website can help me to look for information.

The top 5 Internet activities chatting on MSN or Yahoo Messenger,playing online games, watch movies online, looking for current information on certain issue, listening to songs.

Let bygones be bygones.......Live life to the fullest as though there is no tomorrow....

My name is Ng Lee Ting and I’m 20 years old now. I had born on 17 October 1987 at Batu Pahat, Johor. I finish my diploma and further my study at UTAR now. My hobbies are reading books, watching movies, exploring internet, singing, chatting with friends and many other activities. I like to shopping during leisure even if just simply walking around the shopping mall. The drink I like most is Ice Lemon Tea and my favorite food is French fries. The top 5 websites that I visited the most are http://www.google.com.my , http://www.yahoo.com/ , http://www.friendster.com/ , http://youtube.com/ and http://www.jbtalks.cc. I like to search various data and information from http://www.google.com.my and http://www.yahoo.com/. However, I usually will explore the other 3 websites mentioned above during leisure as entertainment. I can discover many interested things and event that happen around the world from forum. Some interested videos can be found in the internet too. Besides, I can connect to my friends who stay in different areas by friendster as many of my friends sign up for friendster. My top 5 internet activities are such as chatting with my friends through MSN, searching information from search engines, read latest news from internet, check my new e-mail received in my mailbox and watching movies from internet.



My name is Leong Kam Wan and I am 21 years old. I am a female and I was born on 4 April 1987 at Hospital Kuala Lumpur. My hometown is at Seri Kembangan, Selangor. Currently I am pursuing my degree course which is Bachelor of Commerce (Hons) Accounting at Universiti Tunku Abdul Rahman (UTAR), Bandar Sungai Long. I have a well- off homes and I am the eldest in my family. My family members includes of my parents, 2 younger brothers and 1 younger sister. I love pink colour so much, almost everyday I also wear pink colour t-shirt go to school. My favorite foods are KFC, “roti telur”, and I like to drink coca-cola and soya milk. Toyata Camry is my dream car, I hope I can own it one day when I starting with my career after i graduate. My dream house that I want is having a swimming pool in front of my home because my hobby is swimming. Every weekend I sure will go swimming with my sister at swimming pool which located at Serdang. My ambition is to become a professional accountant in the future.

The top 5 websites that I visited the most are:

1) www.friendster.com
This website can help me to keep in touch with my friends.
2) www.baidu.com
This website can help me to reduce my stress when I listening
the song and music which applicable at this website.
3) www.yahoo.com
Normally the reason for me to visit this website is because this
website provide the international news. I will open this website
everyday to looking for the current international news.
4) www.google.com
This website can provide me all the information when I face a
difficulties to understand something...
5) www.world2.com.my
This website is a 'Perfect World' online game forum. I alwaysa
come to this website to search the information about the game.
Sometime I will post the comment into this website in order to
give some idea as well as comments to the players in this online game.

The top 5 internet activities that I like the most are chatting with friends through MSN or Skype, playing 'Perfect World' online game, check mails, view my friends' blogs and watch online movies.

Lastly, I am a friendly girl. If you face any problem, you can come to me, I will be a good listener.
Be happy always =.=

10 June 2008





My name is ANG YEE LING. I am 21 years old. I have a diploma qualification and also be selected to join national service at Kem Warisan, Masjis Tanah. My hometown is Johor. I have a lovely family. My family has 5 members. The 5 of website which i always visit are http://www.friendster.com,www.yahoo.com,www.utar.edu.my,www.emeimei.com,www.google.com/. i like sulf the first website because i can add many friends,give comment or send messages to my friends.i aslo can edit the profile. The second website is because i can send email to everyone and also received email.It is very useful for everyone. The third website is my universities's website which i can check any new information from my school,check my result.Next,the website is similar to friendster website,but it has a forum. The last is i can find information from this website. The internet is very useful.i can download and uploading any file,chat with friends on msn,play online game,searching information,listen music.


I am a year 3 semenster 1 student at Universities Tunku Abdul Rahman. I am taking accounting course. I am going to graduate on May of 2009.It is so happy because it is just left about 1 year to graduate. Ha. I am appreciate all the things happen at here and nice to recognize many friends who is always treat me very good. I want to say thank you at here. After graduate, I think I will work at Singapore and continues to study at the same time. But it is no sure yet.



The earthquake at Sichuan is big and serious news in this year. I watch the news from television Program and see the people at Sichuan who are very suffer and cry at that time, I also feel very want to cry because it was a lot people died. But luckily, all people from the world come and help them and donate money for the people at Sichuan.



Last, I just want to say try to enjoy personal live, be truth to ourselves. I wish my friends and my family always happy and healthy. Good luck and happy always. Wow, finally finish. Ha.