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1.0 Introduction Electronic Commerce (E-Commerce) has overnight become the dominant online activity.

ECommerce describes the buying and selling of products, services, and information via the use of Internet and the Web. E-commerce involved digitally enabled transactions. E-Commerce business model activities involved commercial relationships between businesses and individual consumers (B2C) such as Amazon.com, or between consumers and consumers (C2C) as for example sites such as eBay or similar auction sites. In addition, Business to Business (B2B) undertakings, many of which are known only to those within particular segments of the business community and Consumer-to-business (C2B) focus between consumer and business. Lastly, is a Mobile Commerce used to check bank balances and many more. 2.0 Advantages of E-Commerce 1. Ubiquity. Internet/Web technology is available everywhere at work, at home, and elsewhere via mobile devices, anytime. 2. Global Reach. The technology reaches across national boundaries, around the earth and without modification. 3. Universal standards. There is one set of technology standards, namely internet standards across the globe, disparate computer systems can easily communicate with each other. 4. Richness. Video, audio, and text marketing messages are integrated into a single marketing message and consumer experience. 5. Interactivity. The technology works through interaction with the user. 6. Information density. The technology reduces costs such as information processing, storage, and communication and also raises quality. 7. Personalization/Customization. The technology allows personalized messages to be delivered to individuals as well as groups. 8. Social technology. New internet social and business models enable user content creation and distribution, and support social networks.

3. 0 Components of E-Commerce for CimbClicks: 1. Web Browser - A software program that allows people to access the World Wide Web. Internet Explorer and Google are the two most popular Web browsers. 2. Web Servers - Computers that host the information that Internet users access via their Web browser. Web servers are special Internet computers that store and deliver (serve) Web pages. A Web page is a specially formatted document that you can view in your Web browser. A Web server can host one or more Web sites. 3. Payment System/Transaction Manager- Electronic money exchanges including via (primarily) credit cards such Visa, MasterCard, electronic checks, smart cards can use them as credit card, a debit card, stored-value money card such as PayPal, digital cash, and electronic funds transfer (EFT) such as eRemittance used to request for Bankers Cheque, Local or Foreign Demand Draft , remit funds via Foreign Telegraphic Transfer or send money overseas via CIMB Western Union Money Transfer Services. 4. Standards (existing and emerging) - Methods for facilitating e-commerce interactions include and are meant to ensure transaction security, reliability, Electronic Data Interchange, and privacy. 5. E-Commerce Software - To the end user, the most visible part of the e-commerce system is the software that puts it all together. The basic functions of e-commerce software include: customer registration and authentication, and reporting and analysis (tools to analyze the activity on the e-commerce site for customer tracking). 6. E-mail - Electronic mail serves as a support E-commerce Web sites. 7. Mailing List Server - An optional component of E-commerce is a mailing list server which automates the management of mailing lists for groups of users. 8. Search, Intelligent Agent, and Knowledge Management technologies these include the variety of software tools for "managing" information on the Net-"spiders", "bots", "inference agents" and so on. 9. Multimedia and broadband access technologies such as internet, software and others. 4.0 Types of E-Commerce for Cimb Bank Cimb Bank using types of E-Commerce such as Business to Customer (B2C), and Mobile Commerce (m-commerce).

Business to Customer (B2C) Cyberbanking Electronic banking, also known as Cyberbanking, involves conducting various banking activities from home, a business, or on the road instead of at a physical bank location. Electronic banking has capabilities ranging from paying bills to applying for a loan. It saves time and is convenient for customers. For example, about 2 cents cost per transaction versus RM 3.71 at a physical branch. It also enables banks to enlist remote customers. Cimb bank conducts electronic banking through CimbClicks. For example, customers purchase Proton cars from Cimb Bank. Cimb Bank provides loan to customers. Customers can get service of car through internet. Financial who provide loan send e-mail to the buyer to collect the cars and any update information done through ecommerce or e-mail. Mobile commerce (m-commerce). Cimb Bank creates CimbClicks and rolling out services that let customers manages their bank accounts from their cell phones or other mobile devices. Cimb Bank customers can use their cell phones to check account balances, transfer funds, pay bills, view recent transactions(last 5 transactions), make Foreign Telegraphic Transfers, reload the prepaid phone, view latest foreign exchange rates, create, view and cancel Schedule Transactions (ST), and place, withdraw or perform FD updates to the eFixed Deposit Account & view FD rates. The benefit of m-commerce can saves time in manage the accounts from the car while being stuck in a traffic jam, convenience in pay from virtually anywhere, secure in password protection via a highly secured system, and information about access the account balance and payment history. As conclusion the Electronic Commerce playing important role in organization. The benefits of E-Commerce are ubiquity, global reach, universal standards, richness, interactivity, information density, personalization/customization and social technology. Components of Electronic Commerce are web browser, web server, payment system, ECommerce software-mail, Mailing List Server, Search, Intelligent Agent, and Knowledge Management technologies Multimedia and broadband access. Cimb Bank using types of E-Commerce such as Business to Customer (B2C) involve electronic banking, and Mobile Commerce (m-commerce).

Reference Internet
CimbClicks(2009) Home Page. Retrieved from 16 February 2010. http://www.cimbclicks.com.my/index.html CimbClicks(2009) eRemittance. Retrieved from 16 February 2010. http://www.cimbclicks.com.my/eRemittance.htm CimbClicks(2009) Mobile Banking. Retrieved from 16 February 2010. http://www.cimbclicks.com.my/mobilebanking.htm CimbClicks(2009) List of Services. Retrieved from 16 February 2010. http://www.cimbclicks.com.my/listofservice.htm

Book Laudon.K.C and Laudon J.P(2010).Management Information Systems: Managing The Digital Firm, 11th edition, Pearson. Jr.R.K.Rainer.Turban.E and Potter.R.E.(2007). Introduction to Information Systems: Supporting and Transforming Business, John Wiley and Sons,Inc. Appendices

Business to Customer (B2C)

Mobile commerce (m-commerce).

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