Review: New rules for cyber cafes soon

Cyber cafes in Malaysia have been causing a lot of problems especially to the teenagers. It has raised concern by the public about this issue and government has announced that there will be some new guidelines to be enforced soon on Internet and cyber cafes in order to control these businesses. The guidelines that are been announced are:

1.Have to close by midnight daily.
2.Banned from using tinted glasses in their premises. (must be able to see through from the outside)
3.Only allowed to operate from the ground floor.
4.Those under 12 years old must be accompanied by parents or guardian and only allowed to stay up to 10.00pm.
5.Prohibited from providing gaming activities, gambling, pornography, music and publications with negative element.
6.Cigarettes and alcohol to be prohibited from being sold.
7.A book log to record the entry and departure time of the patrons.

The guidelines above are meant to solves the problems that caused by the people and teenager in cyber cafe. It has been reported that students are found to skip their class in school and stay in cyber café to play games with their friends. Most of their parent did not aware of their children daily act and thought their children were in school but actually not. Students also usually affected by their friends turn into a problematic teenager and cyber cafés are usually the hot spot for them to turn bad. Therefore, government and society are very concern about this issue.

Besides that, it has been found that teenagers surf on those pornography websites and gamble on the net in cyber café. They choose to do it in the cyber café because their parent is not around and they could do whatever they want. The main problem is that the management of the cyber café did not take any action and ignore them from those activities. If there is no action taking on this problem, we believe that it will get worst for the society as well as the next generation.


Furthermore, we could always see that people tends to smoke in cyber cafes, which is an indoor air-conditioner room. It will affect the health of those non-smokers by inhaling those second hand smokes. So, cigarettes and alcohol have to be prohibited from being sold.


Moreover, there has been a few case of fighting in cyber cafes due to several reasons like got insulted after losing a game from their opposition and the others. Hence, tinted glasses are banned to use for cyber cafes premises. It is because the situation inside the cafes must be able to see through from outside to prevent any fighting incident happen inside. It is happened because no one is watching towards them and prevents this incident to happen. Hence see through glasses is required so that people from outside is easy aware situation inside the cafes.

Hence, governments should implements those rules quickly and take serious action on this issue before it worsens. Public should work together with the governments to deal with this.

E-government: It implementation so far and citizen adoption strategy

Electronic Government (e-government) was launched to lead the country into the Information Age. It is defined as a way for governments to use the most innovative information and communication technology to enable the social and economic development.

The vision of e-government is a vision for government, businesses and public working together for the benefit of Malaysia and all of its citizens. 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.

The 7 pilot projects of the Electronic Government Flagship Application are as follows:

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 (ELX)
7. E-Syariah

Hence, through the introducing of e-government application, citizen is allowed to adopt the e-government strategies in many ways. Government has to increase citizen’s confidence towards the government by enhancing several strategies on e-government.

Firstly, citizen is able to access to government information more easy and convenient by using e-government. In addition, the government website is providing some guidance to citizens who need assistance for government information search or to make online transactions. By using the e-government, citizens can pay government bills, pay for fined, pay for loan or even find out more government new policies.

Secondly, citizens can enjoy the online services for free which provided by the government. Thus, government personnel will need to capture the knowledge and practices gained from the citizens. This will ensure that the government has the capacity to maintain the online service delivery processes, and in the long run continue to get on improvement initiatives. In addition, public confidence in online service delivery will be a key factor in the success of e-government. Hence, data security and protection of individual privacy are becoming increasingly important for all the citizens by using the internet.

Furthermore, e-government has delivered all the government services to citizens. E-government has providing a single shared platform for the delivery of government information and services. Besides that, if there have any updated news about the government policy, citizens are able to find it out through the e-government. Hence e-government is providing added convenience to the public in the usage of government services. For an example, people who wish to apply loan from PTPTN, they can download the application form from the website. Hence, the officer will process the application. It is much faster than fill up the form and handling it by queuing.

Moreover, government is providind a portal for processing government information between citizens and businesses with government. Besides that, it also facilitate citizen participation in government, creating digital citizens in a digital democracy.

Finally, the implementation of any e-government initiative requires a focus on continuous improvement efforts. The usage and adherence to global benchmark practices are on the rise, but will need to become further embedded in many e-government projects.

Reference:

http://www.pmo.gov.my/ucapan/?m=p&p=paklahtpm&id=3332

Review a local, transactional e-commerce site

Today, i will like to introduce a well know bakery shop- Q JELLY BAKERY SHOP. Previously known as Homemade Jelly Cake. The 1st booth located in Sunway Pyramid in year 2000. The jelly cake was made by seaweed, low cholesterol and rich in vitamins and nutrients. The customer can order jelly cake online or drop by to their outlet.(http://www.qjelly.com/)

There are almost 1000 types of jelly cake that are available for the customer. All the design are cute, colourful and look tasty. The website separate their product into different categories: Disney Cartoon Character, Full Moon Package, Greeting Season, Kids&Novelty, Wedding, Zodiac and more.

If you are interested on their product, you just need to click on it and it will provide product description and the image. Some of the products may have promotion if you are the member. The website provide and facility. The instant buy is where you confirm of your choice and need to fill up your billing information and delivery methods. While the "Add To Chart" are suitable to the customer who cant make the decision because there are too many choice but cant pay for all. You can choose the jelly cake as many as you like, and later only decide which design is the perfect and suit for your needs.

The website also provide "F&Q" for the customer. Most of us will worry is the jelly cake colouring. The colours the use by the bakery shop are approved for use which regulated by The Food Drug Administration (FDA) in the United State. It also provide some tips on how to store the jelly cake. It also stated whether the jelly cake is Halal or not and the ingredients will list out to the customer. Therefore, for who suffers from any form of food allergy or vegetarian are advised by the company to read on the list before consume.

If the F&Q do not provide sufficient answer, you can contact them via outlet, phone enquire or email. If you wish to get some hot news from Q Jelly Bakery Shop, they have a features that the customers can subscribe their Newsletter. They will send the latest product to your mailbox.

So, with this convenience website, you can buy a jelly cake online for your lovely family or friends. Try out the cute, colourful and tasty jelly cake for birthday, anniversary and special occasion. Just make some different for the celebration.

A discussion on E-learning offered in Malaysian universities

Prons and Cons E-learning among students perspective


E-learning stand for electronic learning and it is determined by a delivery of training or education program through electronic. In the other words, e-learning is transfer of skills and knowledge and knowledge passed through the internet and network or standalone (independent) computer. The electronic device involved computer or electronic device such as mobile phone. For instance, Universities Malaya is one of the universities using e-learning which means a web-based learning management system with learning contents management capabilities.

This is exhibits:

1. This is the system which UM can be accessed via the following URL Addresses.
   For UM staff:
   http://elearning .um.edu.my/ Use UMMail Username and Password
2. For UM Students
   http://elearning .perdana.um.edu.my Use Perdana Mail Username and Password

In no particular order, there are certain pros on E-learning perspective among the students.

1. Electronic learning solutions improved collaboration and interactivity among students. Teaching and communications techniques create an interactive online environment such discussion group and email. Distance education encourage more critical because students enable study anywhere as long as there ability access into a computer with the network connection.


2. Besides that, e-learning provide flexibility to join discussion any hour of the whole day. Students can proceed their assignment or tutorial and they access learning materials at any time and as much as they need. This is known as “just in time and just enough”.
   
3. Another benefit of e-learning is the accessibility is provides. This is due to students can learn form anywhere and done from any place. Student enable complete their program at their own space and own place as well.


4. Furthermore, students can accommodate different learning styles through different activities. Students are not restriction use e-learning to complete their tasks but are encourage. Since the technology is get greater improvement and provide us convenience to interact and discussion among students and lecturer as well.

However, there are various negative ways to looking at the e-learning prospective among students.

• Students may get isolated from lecturer or classmate during discussion. This is due to students are not face to face with lecturer or classmate and get misunderstanding what they are discussion at the same time.


• In addition, lecturer may not always be available when students need their help to complete their tasks at anytime. Therefore, students force to make appointment or send by mail to inform the lecturer when they needed.


• Sometimes, students do not know well the computer files and online learning software. Hence, students are involved complex management of computer files and online learning software. This might waste the students “gold” time to submit their deadlines of the assignment.

The pros and cons of e-learning perspective alter depending on program goals and organizational infrastructure and culture. By the way, there is no argument that e-learning pros and cons since e-learning is rapidly growing as form of training delivery. Students should be imposed the e-learning at the right ways, right place and right time.

related link:

http://www.newman.ac.uk/Students_Websites/~m.m.friel/index.htm

http://ict.um.edu.my/abtelearning.html

Corporate Blogging: A new marketing communication tool for companies

Nowadays, corporate blogginged to its customers through internet. A corporate blog is available and used by an organization to reach its organizational goals. The advantage of blogs is that posts and comments are easy to reach and follow due to centralized hosting and generally structured conversation threads. Although there are many different types of corporate blogs, most can be categorized as either external or internal. Please look further explain at http://en.wikipedia.org/wiki/Corporate_blogia.org/wiki/Corporate_blog.

One of the most effective marketing strategies is “show it out, don‘t tell”. We can use corporate blog to demonstrate our industry expertise and experience by use commentary, guides, analysis and so on. Be remembering in your mind, the quality of your blog content same as the quality of your organization.

Blogging allows companies to advertise their product and services through online. Companies introduce their new development product and services in corporate blogging, make your product and services well known publicly. Giving customer a channel to interact and get know of the product and services in a form that they are familiar and comfortable with.

Besides that, corporate blogging is to establish two way conversations between customers and customers or customers and businesses. Customers can learn more about the comment’s of company’s quality of product and services from other customers. On the other hand, company will also get the feedback from customers. This is the one way company can improve their marketing strategy.

Companies communicate with their customers in a more personal and direct way when using corporate blogging. Blogging become more and more essential communication between and customers. If customers have any inquiry about the product and services, they can deal directly with companies by using blogging.

Corporate blog examples

Jonathan’s Blog - The blog of Jonathan Schwartz, CEO of Sun Microsystems. Although John is the CEO of a USD$15 billion company, he blogs just like a regular guy.

The Official Google Blog - My favourite corporate blog, the Google blog gives you a peek into the internet giant’s products, technology and culture and frequently features managers and engineers blogging about the projects they work on.

English Cut - Thomas Mahon isn’t nearly as big as Sun or Google, but his blog has made him a very successful small business. He tailors Prince Charles’ suits!

Blue Flavor Blog - Blue Flavor is another successful small business that effectively employs a thought leadership strategy in their blog.

Seth’s Blog - Best-selling author Seth Godin’s blog is another example of a blog employing a thought leadership strategy and reinforces Seth’s reputation as a writer, speaker and consultant.

Kid Chan Studio Blog - A good example of a corporate blog from a Malaysian company.

Exabytes Blog - Another Malaysian blog, the Exabytes Blog does a good job of humanising a ‘virtual’ company and notifying readers of special offers.

In summary, corporate blogs are a new, powerful marketing communications tool for any organization. For example, small or large, profit or non profit organization can use corporate blogging as their marketing communication tool. If company done blogging successfully, maybe help companies gain greater profit.

Beginners Guide to Corporate Blogging (For your information)

http://www.corporateblogging.info/basics/corporatebloggingprimer.pdf

Related link

http://www.starnine.com/blog-marketing/

Mobile payment systems in Malaysia: Its potentials and consumers' adoption strategies

Mobile Payment is paying for goods, services or bills with a mobile devices such as mobile phone, Personal Digital Assistant (PDA), or other devices. The phone network can be used solely as the channel to authenticate the customers, or the payment can involve a debit to an account held by the customer with the mobile operator or other services provider.

In Malaysia, they are several service providers which are:

Mobile Wallet is enables it networks of users to make payment to any Mobile Wallet's appointed network of merchants to accept MW points.

Mobile Money unlocks the power of the mobile to make payments at anytime, anywhere using only a mobile phone coupled with 6-digit security PIN via SMS.

SCAN's Mobile Payment System(MPS) is designed and built by SCAN, the leading ICT Security Solution Provider where the payment can make via mobile network coverage for sending or receiving SMS.

Maxis Communication Bhd in collaborations with Nokia,Visa, Maybank and Touch 'n Go has launched Maxis Fast Tap, an integrated mobile payment services that utilises Near Field Communication (NFC).

Potential of Mobile Payment and consumers' adoption strategies

In Malaysia, 88% of the Malaysian population subscribing to mobile services. With a huge amount of mobile phone subscribers in Malaysia, there are opportunities to accelerate the migration to electronic payments. It also support with the banking system in Malaysia has 55 million deposit accounts. The high percentage of mobile phone subscriber and the high rate of participation of the population in the banking system are important pre-conditions for significant use of mobile payment.

Mobile payment increase operational efficiency and improve productivity levels through expedient payments and receipts of funds. It speed up the payment process and convenience of making payments from any places or time. It also reduce costs through the reduction or redeployment of resources used for handling cash and cheques.

For example, Visa launched the Visa payments services for point-of-sales transaction via NFC. In Malaysia, this service is provide under Maxis Fast Tap. Maybank Visa holders need to download theirs Visa payWave credit account details to their Nokia 6212 handset over the Maxis wireless network. The user can begin make purchases at any merchant outlets which accept Visa payWave once the account has been personalised in phone. For any successful transaction, the purchases amount will appear in the consumer's credit card statement.Beside that, the Touch 'n Go services allow the user to pay for metropolitan transit system, bus terminals, highways toll, car parks and more.

The following services provider are mainly using SMS to make a payment. With the payment via SMS, the user can easily do the transaction in anywhere and being secure with the security PIN number.

With SCAN's Mobile Payment, the users no need to login to the online banking sites. The users can transfer money,pay bills,meals or taxi rides as long as both parties have mobile phones and bank accounts.

Another mobile solutions provider Com2U Sdn Bhd gas launched 'moneyMe' which allow a mobile subscribers of Maxis,Digi and Celcom to securely transfer money within Malaysia and to Indonesia. The service allows instant money transfer using SMS and not requires registration and subscription fees.

The mobile wallet able the users paid bills such like phone bills, utility bills and education fees. It provide MW KIOSK services to reload the mobile wallet. It provide the user to set out the monthly expenses and e-reload the mobile immediately.

To adopt more consumers, the company should ensure the users have clear image on how the mobile payment take place when making payment. Before the users sign up the facility, the provider should explain clearly to consumers. The users also had to frequently check their account balance.

The mobile payment service providers must provide a secure payment process to make sure all the transaction is paid to authorise person. This problem might occur when the consumer lost his phone and make fraud payments before the owner notice. How this problem to be solve and who are being responsible. The company should develop solutions when this problem occur.

To attract more users, the mobile payment company should collaborate with more merchant or bank. This will convenience the users to make payment any merchant shop and reload at any bank. As the result, it will increase more users to sign up the facilities. The company can also having some reward to their consumers as they sign up the services and provide some bonus point to each money they consume.

In my opinion, there were some disadvantages. Firstly, the Maxis Fast Tap only allow the user to have the service using Nokia 6212 phone. This is inconvenience the user who has other phone model. Secondly, when the user lost the phone and there were some payment make by unauthorised person, who going to be responsible. This question had been arise past few years in credit card payment. Lastly, the service providers should always update the security system and cooperative with bank and Bank Negara Malaysia.

References:
http://www.theedgemalaysia.com/technology/16929-visa-rings-in-on-mobile-payment-space.html

http://www.mobile88.com.my/News/read.asp?file=/2007/11/9/20071108201348&sec=News

http://newscentre.msc.com.my/articles/620/1/Malaysias-first-operator-independent-mobile-payment-service/Page1.html

http://www.neowave.com.my/mobilemoney_overview.asp

Application of pre-paid cash card

There are various types of cash card in the market which enables the people to have many functions and benefits with their payment in a transaction. The most common cash card that people using are credit card which is a card enables us to purchase something and pay the bills later.

In contrast to credit card, there is also a cash card named prepaid cash card, which is also known as debit card in the current market. Debit card has become more and more popular around the world today because it brings benefits to people and it is convenient.

Prepaid card offers the same ability as credit card to purchase a product or services but with a crucial difference, which is we can only spend the amount we have in our account balance while credit card we can spend up to the limits that allowed by the financial provider. This also means that by using prepaid card, we will not running into debt and the risk of unable to pay off the bills.

Prepaid cash card are offer by most of the banks around the world and we will be given our pin number for the card when we apply for the card. As long as our prepaid cash card has money credited, we can use it to purchase goods on the street, online purchase or paying bills as well as cash withdrawal from ATMs.

Prepaid cash card benefits us with the risk of losing our cash on hand. For example, if we lost our purse or got stolen, our cash in the purse will gone but if we have the card with us, we have the choice to not hold so much cash on hand. If our purse got stolen, we can call to the bank to stop the card to function immediately.



Apart from this, it also enables us to control and budget our spending more easily. This is because we will be provided an online statement which we can view it anytime to look at what, where and when we bought something. In other words, we can trace our spending by using prepaid cash card and thus we can have a better control of our spending.

Furthermore, we would not have to worry when we are lack of cash when in other countries because the card can be use worldwide to purchase a good or withdraw moneys.

In conclusion, prepaid cash card very popular and getting more and more users because it is safe to use and it has bring us with a lot of benefits and functions.

Refer to:

http://www.moneysupermarket.com/c/prepaid-cards/guide/

Credit card debt: Causes and Prevention

The causes and prevention of credit card debt



I believed that nowadays consumer might have a credit card on hand. Especially for employees whose salaries become RM 1500 above every month. Credit card debt is consumer debt which has to pay off every month. Credit card debt also called as revolving debt. The credit card debt included mortgages, household and monthly expenses. Consumer had excessive debt since they bought more than they could pay off every month. Furthermore, they only simply paid for the minimum amount of the month and accrual to the next month. This might due to credit card debt fueled continued economic growth.


In no particular order, there are certain common causes of debt includes medical problems, relying on credit cards, allowing for “fun” within the budget, reduction in income and failed business.





Medical problem considered is a debt to the consumer because the illnesses and unexpected medical emergencies could result the huge amounts of medical debt immediately. Consumer can not prevent using credit card such expenses during an emergency.

Another cause is consumer too relying on credit cards. Exactly, credit card is valued for consumer convenience, however, consumer using credit card as extra income. If consumer is purchase term are not meet their needs but request, then may be on the verge of serious debt trouble.

Besides that, allowing for “fun” within the budget is indicating consumer is spending the entertainment expenses for the first to go. Even though they are tight in money and expenses should have to be cut.

Failed business is a cause of debt which means people whose start-up a business fail and face the financial position. Particularly for small business, the business owner become personally liable for the debt incurred on behalf of the business.

In addition, people loses some portion of income that they is used to, it can be tough to adjust. Since people are spending their income as usual in daily. If people continue spend the same amount with reduction in income, definitely the income could not cover the expenses and people will in doubt.

Since the credit card debt causes is increasing in economic, however, there are some ways to prevent the causes of credit card debt growth.

Debit card is one of the benefits to avoid credit card debt. Consumer purchase the item paid through debit card and the expenses amount directly linked to the checking account. This due to most people cut down on frivolous purchases as opposed to using a credit card.



Besides that, pay everyday charges and bill with cash term. Reserve the credit card for emergency purposes only. The best way is people pay off the credit card every month on time, it will be building positive credit as well.





Understanding the card as well as understand the credit card benefit, minimum payments and limit of the amount. Nowadays people know how to apply and how to get approved for a credit card but has no clue what is the interest rate is. Therefore, the knowledge truly is the power and stated “the more people know the less likely people are push themselves into a corner”.

In effect, the uses of credit card have both positive and negative ways. People should be known how efficiency to use credit card and how to prevent has a credit card debt. Therefore, people must consider and responsible in debt before apply and approve a credit card.



related link:
http://www.ehow.com/how_4512115_avoid-credit-card-debt.html
http://www.debthelp.com/kc/247-top-20-causes-debt-part-ii.html

Electronic Currency

Electronic currency also called e-money, electronic cash, electronic money, digital money, digital cash or digital currency. Usually involve used of several systems, such as internet, computer network and digital store system. It is also refers to the money or scrip which is exchange by electronically.


By using the e-currency service on the internet like e- gold and paypal provide a convenient, secure, and cost effective for people. E-gold is a digital gold currency operated by Gold & Silver Reserve Inc. under e-gold Ltd., and is a system which allows the instant transfer of gold ownership between users. Besides that, E-gold is payment system that can let people to use gold as money.


On the other hand, PayPal is how business transaction parties send and receive money online. PayPal is substitute traditional paper methods such as checks and money orders. We can use it to make payments globally through the internet.



Pro of E-currency
The using of the E-currency services, people no longer use their credit card making online payment. Since there is the risk of expose of their credit card confidential information. While E-currency can help us avoid this kind of problems.

The E-currency system are using through the internet, provide convenience for all the users. Since the internet can accessed anywhere in the world. For example, when user wants to make payment into the bank, they do not have to actually go to the bank to make such payment. The online system also provides convenience to the user, as he or she does not have to queues, waiting for the payment.

Cons of E-currency
One of the major cons of E-currency system is fraud. If the private key is misplace by the consumer, and used by a perpetrator to withdraw funds. In this case, the bank wouldn’t even know, hence the consumer will be liable by self. Due to this reasons, of course, the risk is even greater in traditional forms of payment.

In fact, E-currency system depends a lot on the technology. We will worry that, if the power failure, unavailability of internet connection, undependable software and loss of records, especially when we rush to do the transaction. All this problems will add difficulties to users.

In conclusion, more and more advanced technologies provide a lot of convenient for us. However, we need to be carefulness when we using it, to avoid other people stolen our confidential information.

Related link:

http://www.e-gold.com/benefits.html

http://www.buzzle.com/articles/pros-and-cons-of-electronic-cash.html

http://www.latestbusinessupdates.com/3-top-advantages-and-disadvantages-of-the-electronic-currency-payment-system.html#more-218

The application of third party certification programme in Malaysia

Third party called certificates authorities. A certificates contains holder’s name, validity period, public key information and a signed hast of the certificate data.

Third party certification programme is an authority and authentication that ensures trust, privacy and safety between each individual, company and entities.

Defenses of third party certification programme

• Confidentiality – it is refers to information held by an organization that it necessary to protect securely. For instance, bank must protect clients’ sensitive personal information. Clients want to be assured that information they provided for processing or storage is protected and only accessible to authorized users.
• Authentication – it is requires evidence such as password or signature.
• Availability – tools such as software and hardware help ensure availability.

VeriSign is the best known of the certificates authorities. VeriSign provides several of security and telecom services such as digital certificates and e-payments. VeriSign is the leading Secure Sockets Layer (SSL) which is certificate authority enable secure e-commerce, communications and interactions through web sites, intranets and extranets. SSL defined a protocal that utilizes standard certificates for authentication and data encryption to ensure privacy or confidentiality. Actually SSL is renamed as Transport Layer Security (TLS), however, many people never changed and still use it as SSL. For instance using SSL such as Maybank online credit card payments.


VeriSign Secured Seal is part of VeriSign®SSL Service. SSL assist deliver a secure and convenient way for everyone to interact over the internet. In addition, VeriSign Secured Seal is the most trusted security mark on the internet and gain confidence to complete everyone tasks or transactions.


Webtrust is a certification authorities that protected against unauthorized access. Since the information or transaction share with a website can be misused or stolen. The trust service security priciple addresses concerned by ensuring that business maintain secure sites for e-commerce such as e-payments.

Public key infrastructure (PKI) defined a scheme for securing e-payments using public key encryption and several technical components. It refer such as digital signature. Digital signature is a term used for marking or signing an electronic documents. It is based on public keys for authenticating the identiy of the sender of a message or document. There are exhibit shown that the process of digital signature.


In effect, third party certification programme is play a significance role for organization in Malaysia. They are provide trust, privacy and safety ensure that client’s personal information or transaction is protected and availabitlity over the period. Hence, the effectiveness of third party certification programme in enhancing security is sustaintable.

Reference:

http://www.verisign.com/

http://www.webtrust.org/index.cfm/ci_id/44946/la_id/1.htm

http://www.webtrust.org/index.cfm/ci_id/44946/la_id/1.htm

Phishing : Examples and its prevention methods

Phishing is attack technique where the attackers send an email or instant messaging declares to be from an existing financial institute or e-commerce provider. The email often uses fear tactics in an effort to attract the intended victim into a fraudulent website. The fraudulent website will look similar with the true website.

It will require the victim to login to their account, in addition to enter sensitive financial information such as their bank PIN number, credit card details, Social Security number and more. Normally, the email request the user to update their credit card information or else their account will be terminated. By other way, it will offer a service to protect their credit card from possible fraud. After that, the information that receives will sent to the attackers who then use it to create credit card and bank fraud.

By the way, it also create fraud where the phishing email will send to the user and tell him that he was won in a competition of lottery. It will need the winner to provide certain personal information in order to get the reward.

The following are some example of phishing.

http://antivirus.about.com/od/emailscams/ss/phishing_2.htm

This is a phishing scam which sends to Washington Mutual Bank customer. It requires the customer to verify their personal data since the bank is updating their system.

http://netforbeginners.about.com/od/scamsandidentitytheft/ig/Phishing-Scams-and-Email-Cons/Internet-Scams--lottery-3.htm

This email trying to get the victim personal data where saying he had won the lottery and need the victim to provide personal information to make sure the reward will not be double claiming.

Figure 1(a) - Maybank 2U Portal

Figure 1 (b) Maybank 2U Login Page

Figure 2 (a)- Phishing Site

Figure 2(b)- Phising Site Login Page

http://www.ictsecurity.gov.my/readTxtFile.jsp?URLLINK=MaybankPhishing.pdf
The figure 1 is the real website of Maybank, while the figure 2 is the phishing website of Maybank. To differentiate these 2 website is to refer the address bar . (http:// is the correct URL prefix)

To prevent the phishing website and email. There are several prevention software or some tips when receiving the phishing website.

Phishing Detector v1.0 is a anti-phishing tool that detect phishings, email frauds and spoofed emails at the inbox with one click. It able to detect the phishing email that come from eBay, PayPal and others financial institute.







Tipping Point's Phishing Protection is using combination of vulnerability filters, signatures, and behaviour-based protection technique to detect and prevent phishing. TippingPoint anti-phishing filters block at every phase of phishing attack.






NETGATE Internet Security v2009 is a complete security protection software which can detect most of the serious Internet threat. It include spyware, viruses, torjans, phishing, spam and more. This protection will make the user more convenience since it consists all the features in one.

If receive an email or pop-up message that ask for personal or financial information, do not reply it and click on the link that provided. The legal financial institutes or website will not ask their customer to provide any confidential information via Internet. Normally, the Internet criminal will not type the receiver's name, this due to they will send the phishing email in bulk. Be careful when email with some attachment or downloading files, it might contain viruses or phishing.

It will easy to determine the phishing email and website. As a user, we need to always alert where there are suspicious of any email with urgent requests for personal financial data. They will make you to feel it is urgent and important. A phishing email is to trick you into providing the information. If you feel you might to reply on it, you better call for your financial institute to ensure the genuine of the website.

It also can prevent by using anti-virus and anti-phishing software. However, it will more effective with the software is update frequently. Beside that, we should not email our personal information to anyone or fill up form in email messaging. If have to do so, make sure the website is secure, look the security look and URL for a website that begins with "https", the "s" stand for secure. Furthermore, always review credit card and bank account statement to check any unauthorized charge. If anything that you do not recognize transaction, contact your bank immediately. Lastly, remember to report phishing email or phishing website to the respective organization.

In my opinion, we should always alert on the phishing website and email. We should not provide our personal information to any people via Internet. We must always aware the URL of the website, to ensure it is secure. If unfortunately that you have trick in phishing, you must report to http://www.antiphishing.org/ or visit to Government Security Web Portal(http://www.ictsecurity.gov.my/)

References:
http://www.cyberoam.com/phishing.html
http://en.wikipedia.org/wiki/Anti-phishing_software
http://www.antiphishing.org/consumer_recs.html
http://www.onguardonline.gov/topics/phishing.aspx
http://www.filebuzz.com/files/Phishing_Prevention/1.html