Friday, May 01, 2020

Going Cashless


Transaksi atas talian semakin kerap digunakan oleh kita semua. Lagi-lagi dengan kadar celik internet di negara ini yang semakin tinggi. Mungkin tidak sehebat negara seperti Korea Selatan, namun semakin ramai rakyat Malaysia terdedah dengan akses internet. Akses internet tidak semestinya melalui jalur lebar di rumah, tetapi juga melalui mobile internet. Kadar pemilikan smartphone yang tinggi juga memainkan peranan. Apalah guna smartphone jika ianya tidak disambung dengan internet.

Internet digunakan atas pelbagai tujuan. Yang paling kerap adalah social media seperti Whatsapp, Facebook, Twitter dan Instagram. Online shopping juga antara punca utama kita menggunakan internet. Ada pelbagai medium online shopping platform di Malaysia seperti Lazada dan Shoppee. Kalau old school sikit ialah Mudah.my atau melayari forum-forum seperti Lowyat. Facebook juga dipenuhi pelbagai grup menjual barang. Tak ketinggalan juga ada yang mengiklankan produk masing-masing dalam grup whatsapp. 

Saya pula membahagikan penggunaan internet saya kepada 5 perkara yang utama. The first one is surely for communication purpose which is Whatsapp. Kerja saya agak banyak menggunakan komunikasi dua hala and one of them is using Whatsapp. Kadangkala pelaporan kerja kepada boss dibuat menerusi Whatsapp. Email juga digunakan namun kebanyakan email hanyalah susulan dari hebahan awal di Whatsapp. Lately ni, spreadsheet dan laporan dalam bentuk words pun dah mula diattach pada Whatsapp.

Kedua, pembayaran bil. Majoriti bil saya dibayar menggunakan transaksi online. Boleh dikatakan hampir 100%. Bil juga diterima secara online. 

Ketiga, social media. Facebook, instagram dan twitter bukan sahaja tempat berhubung dengan rakan-rakan, tetapi juga tempat menambah kenalan. And for sure saya melihat laporan awal news from twitter especially from news official accounts. 

Keempat, online shopping and services. Kadangkala agak sukar mencari barang-barang yang saya perlukan. Terpaksa ke kedai sana sini untuk mendapatkannya. Menggunakan online platform, just enter the keyword and you will be presented with various online seller yang menjualnya. It will be delivered straight to your door. Cuma kena bersabar. Services such as Grab sememangnya perlukan akses internet. Even GPS sekarang pun boleh connect to internet service, such as Waze and Google Maps.

Kelima, information searching. When I need some clarifications regarding certain matters, I will search the internet. Sometimes kalau just for basic understanding, wikipedia is the place. To go deeper, sources dalam wiki akan saya gali. For my work, I need to use academic research and articles. So I just log on to my library portal and search their database. It's a habit for me to browsing through research paper and articles to read interesting findings from all over the world. 

Cashless society is somewhat related to internet as we need it in order to perform our cashless transactions. 

Sila lihat laporan media di bawah. Laporan asal dari Bernama dan dipetik oleh beberapa media seperti dari The Sun Daily dan Astro Awani Online. Sinar Harian juga tidak ketinggalan melaporkannya. 


MCO best time to achieve cashless society goal
SEREMBAN: The implementation of the Movement Control Order (MCO) to curb the spread of the COVID-19 infection since March 18, has affected the people‘s daily routine in every aspect of life including shopping transactions.
The movement restriction has forced the public to practice the cashless transaction method and as time goes by, they are getting familiar with it.
Hence, the MCO which has been extended until May 12 is seen as the best time to achieve the government’s intention to create a cashless society.
Although some people prefer to make payment in cash, many are getting familiar with the e-payment for all sort of things such as paying for utility bills, food, insurance renewals and so on.
A senior lecturer at Faculty of Information Management, Universiti Teknologi Mara (UiTM) Puncak Perdana campus in Shah Alam, Selangor Dr Mohd Nizam Yunus said online purchasing was currently on its peak as the public was concern about the possibility of banknotes being contaminated with COVID-19 virus as well as to comply with the MCO guidelines by staying at home.
“I do agree that MCO is the best time to educate the public on the benefits of online payments. I think one of the new normal resulted from this pandemic is doing things online particularly financial transactions.
“We could also see a trend of home-based traders receiving payments via Internet banking transactions, this has shown us that there is a strong trust between buyers and sellers during this MCO period,” he told Bernama here.
However, he also highlighted that to achieve the cashless society goal, it had to be supported by a stable Internet connectivity.
Another senior lecturer from the same faculty, Dr Muhamad Khairulnizam Zaini said online purchasing and e-payment was a positive trend that will lead to the evolution of a cashless society in shaping a modern and more efficient country.
“Cashless transaction is a common practice in many developed countries. Hence, following the trend is a good start for Malaysia in our pursuit to become a developed and competitive country.
“For the time being, I believe that the people are familiarising themselves with the cashless transaction in their daily activities,” he said.
Meanwhile, A&J Burger Grill and Western restaurant owner Mohd Johar M. Jaffar, 37, said throughout MCO, he had been utilising online payment transaction but still accepting cash payment.
“Most customers are using the online transaction to pay for their order... some still prefer cash payment, which involves about 30 to 40 per cent of customers,” he said.

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