Electronic learning, known as E-Learning is a term for all types of technology-enhanced learning , where technology is used to support the learning process. Often the medium of instruction is through computer technology, particularly involving digital technologies. It does not require any face-to-face interaction throughout the learning process. It has been implemented by several colleges and universities in Malaysia, such as Open University Malaysia, Multimedia University, University Tun Abdul Razak and so on.

There are ample of PROS can be derived from e-learning:

1) Ease of Accessibility
E-learning has shown its great advantages through its accessibility to all students irrespective
of their residence. It help students to communicate with their lecturers and tutors, get clarifications regarding their subjects and study and access teaching materials through Internet. What you need is just have a computer and a line connectivity.

2) Flexibility
Another advantage of e-learning is its time flexibility. Students may be able to get online resources and communicate with his lecturers, tutors or classmates at anytime, anywhere, even during midnight as the resources can be access for 24*7*365. Despite, students can arrange their timetable according to their own time when he or she is available.

3) Low Cost
E-learning has been becoming more and more popular among students because they can afford getting higher education degrees at respectable universities and colleges by saving extra expenses for traveling, accommodation, food and high fees for tutors. E-learning can offer such students much easier and affordable way to get a good education and a prestige higher degree.

However, there are several CONS in implementing e-learning too:

1) Lack of Communication
Lack of face-to-face communication with lecturers and tutors leads to a lack of understanding between a student and a tutor. While a tutor cannot easily feel a student’s demands, interests and motivations, a student can simply be lazy being non-motivated enough and having free time schedule for his e-learning. This may result a low scope of the student’s knowledge and the teacher’s accusation in lack of proficiency.

2) Language Barriers
The extensive use of English in e-learning contents is also one of the factors that has hindered the success of e-learning. this is obviously occur in Malaysian universities, especially to the student who is weak in English, they need to refer to a dictionary whenever they are learning. This may cause the student to loss interest in studying and become lazy and unmotivated.

3) Bandwidth Issue and Connectivity
E-learning requires a rich combination of multimedia components.However, due to bandwidth and connectivity limitations, downloading of the e-content to the students will be slow. This creates frustration and boredom among students and affects the ease of learning. This issue happens in most of the Malaysian universities regularly.

Related links:
http://en.wikipedia.org/wiki/Electronic_learning

http://asiapacific-odl2.oum.edu.my/C33/F80.pdf

http://writingandsnacks.blogspot.com/2006/08/pros-and-cons-of-e-learning.html

Prepared by Chong Hui Qi'

Nowadays, definitely everyone will has a mobile phone by his side. mobile phone is no longer a luxurious but a daily needs in this generation. Widely known, mobile phone features has been expanded from dialing and answering a call to sending and receiving a message, having a radio, MP3 to payments. Mobile payment, widely known as M-payment can be defined as making a wide range of payments through a mobile device, such as a cellular telephone, smart phone, personal digital assistant( PDA), or any other wireless devices without any cash, credit cards, checkbooks, or having to go online either. What is required is just your mobile phone and you do not even have to be at the point of purchase to pay. You can pay from wherever you are, whether at the office, in the car, at home or just about anywhere!

This brand new system is going to take the lead in the near future. It is an innovative closed loop payment system where consumers will be informed via SMS each time he or she makes a payment. In short, it simply means that it brings payments to you instead of you having to go to make payments, that's why it is also named as Mobile Money. Was Mobile Money safe? Mobile Money is convenient yet secure and rewarding. It is designed with 9 levels of protection to enhance security and to minimize fraud. Each transaction will also be rewarded with instant cash rebate and the “e-cash” accumulated can be used to make purchases at any “Mobile Money” retail outlets. At the same time, participating outlets are also running their own loyalty programmes and offering bonus points to their “Mobile Money” customers, further enhancing the benefits of paying via this mobile payment system.



Mobile Money is a PIN-based mobile payment solution to address the limitations and bottlenecks created by cash, cheques and credit cards. It unlocks the power of the mobile phone to make payments, allowing registered users to pay for goods and services at anytime, anywhere using only a mobile phone secure with a 6-digit security PIN via SMS. This gives the freedom to shoppers to buy products online and pay the merchant using his or her mobile phone without being physically present at the store. Indirectly, crime rate and robbery case might decline due to lesser cash in hand.



There are a great room of potential for this payment system to grow more rapidly. With the mobile payment system, consumers no longer need to carry cash, credit cards, or clicking through ample of different websites or going to the outlets looking for parking and queuing up to pay bills. Thus, it is extremely convenient! What you need to do is to get yourself registered to the Mobile Money service provider and top up with M-payment” instantly and you can start paying your bills or doing remote shopping by just typing a SMS code, and your transaction is done! Anywhere, anytime, anyone!

In order to pay using mobile payment, a shopper must have either a savings, current or credit card account within the related bank. It functions like a credit card. It is advised to have sufficient money inside the shoppers' account so that the transaction can works successfully. The shopper will be billed by the bank accordingly by month's end. In addition, it functions as a debit card if it is tied to shopper's savings or current account. The amount will be deducted immediately from the account upon successful transaction. By doing so, the frequency of bounced cheque and the amount of credit card debts will considerably decline.

As long as the mobile payment system perform as well as it designed to, Malaysians will adopt this new convenient payment method. Moreover, in order to make this payment system being adopted quickly, mobile payment service providers should work hand-in-hand to do aggregate advertising and educate all Malaysians with the benefits of M-payment and lastly please bear in mind that " Your mobile phone is your credit card".

Related links:

http://www.hlb.com.my/news/2005/corn143.jsp?flag=092005

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


Prepared by Chong Hui Qi'