(Jutta Jerlich, Mag, 2008)The critical factor in any e-business, e-commerce and e-learning is the missing human interaction that is created on the basis of trust and common values.
Trust could be defined as the consumer’s willingness to risk the loss of time, money and personal data (Nielsen Norman Group, 2000), in a situation involving uncertainty.
We all know that in the electronic business environment, the face to face communication between parties is lacking and being replaced by the human machine interface. A successful electronic commerce will now depend on the trust imposed between the communicating parties in product and services exchange w/c is the focused of this kind of industry. TRUST is considered as the essential factor in buyer-seller relationship, so there should be a alternate consideration when conducting it using electronic media technologies because its not the same as performing trust in physical or face to face environment.
What is trust in electronic commerce environment?
(Jones, Ambrose, Rai, 2003) One broad definition of trust is the willingness of a buyer to be vulnerable to a seller's non-desirable actions while expecting the seller to perform actions that are beneficial to the buyer without the buyer having to monitor these actions. Buyers look for signs from sellers that increase their trust, and sellers look at ways they can help build buyers' trust. Traditional trust-building mechanisms include physical presence, past actions, and legal and regulatory frameworks. The emergence of online businesses has brought about new challenges for building trust, in both B2B and B2C business environments. The evolution of new e-business models and the advances in information technology have raised more challenges than solutions for establishing and maintaining trust in the electronic marketplace. Both academicians and practitioners are looking for clearer answers to enhancers and suppressors of trust,...
Based on what have stated a while ago, building trust for successful electronic commerce business transactions depend for both the buyer and sellers side. It is in their hands for making it possible, they have to work hand in hand for it. As what have mentioned, they buyers is looking for signs in where they can trust the seller,at the same time the seller have to find ways on how to show that signs to the buyer. That commonly the starting stage in building good e-commerce relationship between buyers and sellers, and thats how trust is build between both of the parties. If it started that way, the possibility of a long and continuous transactions were made for each one benefits. However, the maintenance of a good relationship is not under control for both parties. Why? Its because trust is not established physically making it hard to detect or predict if theres changes before one will experienced the worst effect of it.
The majority of individual or organization who performed electronic commerce are those in business environment, so money is everybody concerned and the focus of almost all the transactions. The electronic network or the internet is the primary medium of online transaction and making electronic commerce possible for individual and organizations. However, the internet also offer the opportunity to individuals to earn money in a negative way or in illegal way. In buyers perspective, its hard to know if you've got the authorized or legitimate suppliers or sellers of bought product or services. You cant predict if all they want is to get your money or not, and cant be sure of it until your order has been delivered in your door. In sellers perspective, they never stop thinking of the best strategies to get the buyers trust. Its not that hard for them to get it for buyers won't know their real intentions without experiencing it. Though theres an existing e-commerce law to protect and avoid this kind of scenario, its still not that hard for illegitimate but knowledgeable enough buyers to escape from the law without even punisher of their actions. From that, aside from the benefits of e-commerce its also in favor for those illegitimate individuals.
To avoid it means successful electronic transaction between buyers-sellers relationship. One practical way of doing it is to build trust and implementing security measures to maintain it. The success of electronic commerce is highly and mainly depending on the ability of an organization to build up trust to their customers.
What are those security measures that the organization must take to have a successful electronic commerce transaction???
(Gaby Herrmann, Peter Herrmann,2004) because of the online environment of electronic commerce, theres already a lot of bankruptcies of e-commerce companies, and the main reason of this is the real and assumed lack of security in transacting and making businesses online. Often, organization and companies are trying to be confident to their users because of their state of art security measures and security mechanism. But this was found to be irrelevant for researchers, maybe this can be just a business strategy for organization to attract customers. Customers should not believe on that without proven yet. For organization, its not enough to gain the confidence your customers by declaring the your have a security measures and mechanisms for them to trust. There are other methods like insurances reducing the risk of frauds or active trust management, it would also be better to include the experiences of other users with an entity. With the presence of other user or customers experiences on your organization services will also the basis of your aspiring customers to trust you as what have done by your previous customers. If your organization is trustworthy on providing product and services online, it would be easy for your to get their testimony about it and be confident enough to present it to coming customers for reference. Remember its easy to spread your trustworthiness to other (it its real), your previous customers will be you positive tool to attract be referred to other customers.
(Clara Centeno,) Lack of security and consumer trust in internet payments has been repeatedly reported as one of the most important factors hindering the development of e-commerce. Indeed, most surveys show that consumers lack of trust is linked to concerns over the security of payment data (mostly credit cards) and the misuse of private data, with striking levels of 75% - 95% of respondents worried by these issues.
The events of 9/11, an increasing number of security audit reports stress the key role played by the human factor in the process of building security in general and on the internet in particular. Indeed, technology-based solutions need to be accompanied and supported by a general awareness of the risks, an internal risk management strategy, good internal managerial, organizational and operational procedures and education of employees and end users. The same principles apply to electronic commerce security.
Despite this relatively low percentage of fraud cases, most consumer surveys show that consumer lack of trust in e-commerce is linked to concerns over the security of payment data and misuse of private data.
The following are the risk found in e-commerce especially when trust is not successfully build:
On-line payment risks
The reported volume of e-commerce fraud points to the internet being riskier than the face-to-face environment. E-commerce could be looked at as a new form of distance selling, characterized by a lack of face-to-face interaction and synchronization of payment with delivery of goods, and in the case of payment by card, by the merchant’s inability to verify the payment card’s physical and security features. Committing fraud is therefore easier than in the physical world as invoices can be left without payment after reception of goods, goods can be left undelivered after reception of payment or card payment fraud can be easily committed as "plastic" is not required, i.e., only a card number and a delivery address are needed.
In addition, the internet has a number of characteristics that introduce new risk elements:
• The environment is a more favorable vehicle for fraudsters to communicate and act in due to its anonymity, low access barriers, rapid exchange of resources such as hacking programs and credit card numbers (GARTNER, 2001; FBI, 2000; LANG, 1999).
• The lack of cyber-security skills and tools: organizations often
overlook significant risks, i.e. system providers do not produce systems that
are immune to attack, network and system operators do not have the
personnel and practices in place to defend themselves against attacks and
minimize damage (PETHIA, CERT/CC, 2001);
• Merchants are often small and new, with limited security skills and
budget and are selling new goods (digital content) that are more vulnerable
to fraud (EXPERIAN, 2000);
• Users are more vulnerable: with increasing internet connectivity from
home and increasing PC power (available for hackers), average users know
little about risks and the security tools available to protect their computers
from external attacks;
• Legal prosecution is more difficult, because transaction amounts are
generally low, the electronic evidence tools and skills available are very
limited, legislation is not yet adapted to the internet environment and where
transactions have taken place across borders, complex jurisdictional and
procedural issues may arise (SCHNEIER, 1998; PETHIA, CERT/CC, 2001;
ELDON, FBI, 200218).
On-line payment transactional risks
With a view to understanding what security measures are needed and based on results of the analysis of fraud figures available, on-line payment risks can be classified into four categories as follows:
• Risk of merchant misbehavior or fraudulent behavior: merchants carrying out data capture, disappearing and charging unauthorized transactions; charging transaction amounts higher than agreed, charging unauthorized recurrent payments;
• Risk of identity and payment data theft for further fraudulent use on the internet or in the physical world (purchase, fraudulent card application, account take over). Identity data can be stolen through e-mail (or even phone) scam, or through on-line unauthorized access to merchant or ISP servers, to bank servers, to consumers’ PCs or to transactional data;
• Risk of impersonation, i.e. fraudulent use of (stolen) consumer identity and/or payment data, or software generated account numbers for purchasing;
• Risk of consumer fraudulently denying a transaction.
Measures for Building Online Payment Security
Security Requirements for online internet payments
In order to understand the role of "hard," or technology-based measures in building e-commerce payment security, the security requirements from consumer and merchant perspectives are analyses. Consumer payment security requirements derive from the need to:
- transact with trustworthy merchants,
- receive matching offers and deliveries,
- have a customer service or other mechanism for redressing potentially conflictive situations, and,
- protect personal data from unauthorized access and use.
Merchant payment security requirements, however, derive from the need for payment guarantees and for protection of commercial data from unauthorized access.
Technology-based measures to build security
Different technology-based security measures are proposed by card schemes and banks to address the on-line payment fraud risks faced by consumers and merchants. These aim to provide data confidentiality and integrity, consumer and merchant authentication and non-repudiation for each individual transaction. Solutions range from the cheap and easy SSL, complemented by real-time authorisation by the issuer, address and CVV/CVC2 validation, the use of passwords and user Ids, virtual and
pseudo card numbers, 3D-model based solutions, SET and EMV smart cards. The potential of Public Key Cryptography (PKC), Public Key Infrastructure (PKI) and Digital Signatures in building secure internet payments deserve particular attention.
The security of the environment in which on-line transactions take place, namely the technical infrastructure of the consumers, merchants, banks and service providers, also needs to be considered. In this area, payment schemes are promoting improved information security at banks, merchants and service providers with security standards and best practice.
We are aware of the success of the electronic commerce in global market, the trust building activity performed by an organization or sellers to their customers or buyers took a very long time to make it possible. Furthermore, for organization its easy and necessary to accept a very long term Return Of Investment due to the time needed to build up trust to their customers. Not only long scope of time is required to successfully build trust for organization, but the financial strength to survive sometimes for several years until the investment in building trust to the customers start to be paid, simply means to Return of Investment in building TRUST.
Reference:
http://ecdcconference.com/FullPaper08/PosterPDF/516.pdf
http://muse.jhu.edu/login?uri=/journals/eservice_journal/v002/2.2jones.pdf
http://muse.jhu.edu/journals/eservice_journal/toc/current.html
http://resources.metapress.com/pdf-preview.axd?code=q746854420147832&size=larger
http://www.idate.fr/fic/revue_telech/257/C&S51_CENTENO.pdf
Wednesday, December 17, 2008
Thursday, December 11, 2008
Significant Event for Innovation in Technology
There’s a lot of significant events in society that has a contribution on the innovation and development of technologies. These events either local events has a contribution on technology innovations in that locality, the same way in national or international events has something to do in technology innovations in national or worldwide scope. Innovation in technology can be defined as the improvement or development of such technology either existing or newly invented. When we say technology innovation, we are referring broadly in terms of technology since it covers different fields. With this innovation in technology might differ from any other fields such as its application in Medical Technology, Agriculture, Engineering and Architecture, Education, Business, etc.
Technology innovation in the Philippines, as we have observed is in its continuous growth though we are found to be a year behind compare with highly technological and developing countries such as Japan. In my own understanding one of the factors that contribute to its continuous innovation is the increasing number of foreign investors that continue to invest in the country.
Philippine is considered to be an attractive investment destination as it has a strategic location, skilled and highly trainable human resources, a stable democratic environment and free enterprise economy. Sustainable resources found in the Philippines attract many foreign investors in different fields based on business concepts.
As stated in "How to Invest in the Philippines" by PricewaterhouseCoopers Philippines, the Philippine economic environment, in its general market structure, the Philippines adheres to the principle of free enterprise and recognizes the indispensable role of the private sector in the economic development of the country. It has been observed that after the Asian financial crisis in 1997, the country started to recover ahead of other countries in Asia. This is because of continued political stability, prudent monetary and fiscal measures; bolder moves toward deregulation, liberalization and privatization and improved infrastructure development. This is somewhat attracts foreign investors to invest their business in the country. And it foster economic development in the country as well as leads to innovation and development of technologies used.
Foreign investors are commonly known to own big companies and business establishments and uses high technology and facilities. With foreign investors that extended their reach here in the countries has a big significant on the development of technologies. They have influence us in the kind of technology they have by sending it here to be used in their business, and eventually it’s been applied in any other business foreign or Filipino owned.
One of those technologies that have used and developed because of foreign investments in the country is the communication. Big businesses are very concerned of its way of communication cause for them good communication within their establishments or workplace is a good business strategy. The innovation in communication comes up after. As businesses in the country continue to grow locally and internationally, the need for a good and secure communication is in demand for each business. From that, the continuous innovation in communication and information sharing is established and has considered as the necessity not only in business, as well as in education and any other form of transaction at our present time. Even before telecommunication companies and providers make it possible to provide these businesses adequate communication links within the country and other country around the world, and later on these companies are also offer similar services in all urban centers, that’s why cellular phones and paging systems have substantially augmented existing landlines. According also to PricewaterhouseCoopers Philippines, the number of cellular mobile telephone service subscribers had increased by more than 400% since 1996 with around 6.5 million subscribers accounted for as of the end of 2000. From that, we can have the idea of how much its increase in the current time. Cell phones nowadays have so many additional features making you connected in so many ways. Video cameras, music player, are just a few features you can enjoy in your current cell phones.
Its continuous innovation and development later become the innovation and development of Information and Communication Technology (ICT). There is an increasing recognition of ICT potential and contribution it the market place. It has been a part of the success in every businesses, and one that has a very wide range and scope in the business world. One of its major contribution is it enables people and enterprises to capture economic opportunities by increasing process efficiency, promoting participation in expanded economic networks and creating opportunities for employment. The following are the innovations that take place in Information and Communication Technology, taken from the paper “Information and Communication Technology and Microfinance: Options for Mongolia, Innovations of Information and Communication Technology” by Gaamaa Hishigsuren.
(Gaamaa Hishigsuren 2006) In relation to microfinance the use of ICT began with the arrival of the Palm Pilot (or called, Personal Digital Assistant – PDA). These pocket computers allowed loan officers to fill out forms containing customer information and provide an initial indication of whether loan would be approved or not in the field, thereby automating the information gathering process (Silva, 2002). In a series of articles by Steve Whelan, for The Consultative Group to Assist the Poorest (CGAP), talks of the various technological devices that are currently being used around the world (Whelan, 2003). These articles highlight devices such as automated teller machines (ATMs), interactive voice response technology (IVRs), smart cards and personal digital assistants (PDAs).
Below are the most commonly used Information and Communication Technology applications used in Microfinance:
Automated Teller Machines (ATMs) or Point of Sales (POS) devices– conduct many banking transactions that would otherwise require staff attention: they furnish account information, accept deposits, draw down on pre-approved loans and transfer funds.
Interactive voice response (IVR) technology - refers to examples like using phones (either mobile or stationary phones) to check an account balance, make transfers, learn about products, and find the nearest branch location and its office hours. This saves time both for the clients and staff.
Internet banking –clients can make the same transactions as with phone banking (checking their account balance, making transfers, learning about products and finding the nearest branch location and its office hours) on the Internet.
Personal digital assistant (PDA) – can be used by loan officers to process loan applications by using the preset credit scoring model, to review a client’s historical data, and to monitor loan performance by reviewing the list of borrowers and their loan repayment status. Virtually all client data and client visit records are stored electronically and are immediately available in this small device (like a palm pilot).
Management information system (MIS): - provides computerized data processing for management decision making; it is used primarily for portfolio management, accounting and financial performance management.
Credit scoring – analyzes historical client data, identifies links between client characteristics and behavior; and assumes those links will persist to predict how clients will act. The technology can help a microfinance institution analyze how its clients have behaved in the past to make more reliable loan application decisions, devise more effective collection strategies, better target marketing efforts and increase client retention.
Complimentary Devices:
Smart cards – can be used for financial services, such as managing savings accounts, disbursing loans, or making transfers. There are different forms of personal identification, such as biometric technology and fingerprinting. Smart cards function like an electronic passbook. There is also a lower cost card, which operates through a magnetic strip on the reverse side of the card. A smart card differs in that it operates through more expensive chips that can store information offline on the embedded chips. Both cards are used in conjunction with ATMs or POS.
Biometric technology – measures an individual’s unique physical or behavioral characteristics, voice pattern and gait, to recognize and confirm identity. This is a supplementary technology used with ATMs or POS.
Automatic Teller Machines
Hirschland (2003) observes that ATMs provide 24-hour access to speedy transactions. ATMs, supplemented by smart cards and debit cards can provide flexible payment options and more convenient access to client accounts. They can also reduce branch infrastructure and employee costs, and facilitate financial services in areas with poor communications and electricity supplies. In particular, staff of MFIs could be relieved of some mundane functions like processing withdrawals and fund transfer over the counter, and rather, focus on personalized services. When fully utilized, ATMs can be used for balance inquiry, cash withdrawal, and transfer of funds, bill payments and making deposits.
As a summary, the continuous number of foreign investments in the country leads to adopting and application of foreign technologies, then its innovation to cater the needs and demands of these businesses just for instance the increasing need of communication links to their consumer and clients. As it is being used and adopt by foreign own companies in the country, Filipino owned business has to acquire and used it also to excel in the business world and cannot be left behind by foreign investor. As a part of business strategy, they need to have a good and secure communication links that make them connected to their clients and employees, in any part of the country or abroad. From that, communication providers take their part in making these possible. Innovation on communication takes place, and as we observed it changes or innovates every year (if I’m not mistaken). Then, innovation in information and communication technology (ICT), have extended the reach to a good and secure communication to be applied and used not only on business but in other fields even people and enterprises in isolated communities. As we all know, businesses today, despite it scale (local, multinational, international) have introduced to automation of their business process and transaction. Automation uncovered the manual business process, making them capable to process transaction in a short period of time with 99% accuracy and meet their client’s highest expectations. Nowadays, worldwide businesses systems have been centralized making all their branches around the world to be connected, plus it can be viewed by authorized persons anywhere as long as internet connection is available (as of now, there just few places in the world that don’t have a connection).
Technology innovation in the Philippines, as we have observed is in its continuous growth though we are found to be a year behind compare with highly technological and developing countries such as Japan. In my own understanding one of the factors that contribute to its continuous innovation is the increasing number of foreign investors that continue to invest in the country.
Philippine is considered to be an attractive investment destination as it has a strategic location, skilled and highly trainable human resources, a stable democratic environment and free enterprise economy. Sustainable resources found in the Philippines attract many foreign investors in different fields based on business concepts.
As stated in "How to Invest in the Philippines" by PricewaterhouseCoopers Philippines, the Philippine economic environment, in its general market structure, the Philippines adheres to the principle of free enterprise and recognizes the indispensable role of the private sector in the economic development of the country. It has been observed that after the Asian financial crisis in 1997, the country started to recover ahead of other countries in Asia. This is because of continued political stability, prudent monetary and fiscal measures; bolder moves toward deregulation, liberalization and privatization and improved infrastructure development. This is somewhat attracts foreign investors to invest their business in the country. And it foster economic development in the country as well as leads to innovation and development of technologies used.
Foreign investors are commonly known to own big companies and business establishments and uses high technology and facilities. With foreign investors that extended their reach here in the countries has a big significant on the development of technologies. They have influence us in the kind of technology they have by sending it here to be used in their business, and eventually it’s been applied in any other business foreign or Filipino owned.
One of those technologies that have used and developed because of foreign investments in the country is the communication. Big businesses are very concerned of its way of communication cause for them good communication within their establishments or workplace is a good business strategy. The innovation in communication comes up after. As businesses in the country continue to grow locally and internationally, the need for a good and secure communication is in demand for each business. From that, the continuous innovation in communication and information sharing is established and has considered as the necessity not only in business, as well as in education and any other form of transaction at our present time. Even before telecommunication companies and providers make it possible to provide these businesses adequate communication links within the country and other country around the world, and later on these companies are also offer similar services in all urban centers, that’s why cellular phones and paging systems have substantially augmented existing landlines. According also to PricewaterhouseCoopers Philippines, the number of cellular mobile telephone service subscribers had increased by more than 400% since 1996 with around 6.5 million subscribers accounted for as of the end of 2000. From that, we can have the idea of how much its increase in the current time. Cell phones nowadays have so many additional features making you connected in so many ways. Video cameras, music player, are just a few features you can enjoy in your current cell phones.
Its continuous innovation and development later become the innovation and development of Information and Communication Technology (ICT). There is an increasing recognition of ICT potential and contribution it the market place. It has been a part of the success in every businesses, and one that has a very wide range and scope in the business world. One of its major contribution is it enables people and enterprises to capture economic opportunities by increasing process efficiency, promoting participation in expanded economic networks and creating opportunities for employment. The following are the innovations that take place in Information and Communication Technology, taken from the paper “Information and Communication Technology and Microfinance: Options for Mongolia, Innovations of Information and Communication Technology” by Gaamaa Hishigsuren.
(Gaamaa Hishigsuren 2006) In relation to microfinance the use of ICT began with the arrival of the Palm Pilot (or called, Personal Digital Assistant – PDA). These pocket computers allowed loan officers to fill out forms containing customer information and provide an initial indication of whether loan would be approved or not in the field, thereby automating the information gathering process (Silva, 2002). In a series of articles by Steve Whelan, for The Consultative Group to Assist the Poorest (CGAP), talks of the various technological devices that are currently being used around the world (Whelan, 2003). These articles highlight devices such as automated teller machines (ATMs), interactive voice response technology (IVRs), smart cards and personal digital assistants (PDAs).
Below are the most commonly used Information and Communication Technology applications used in Microfinance:
Automated Teller Machines (ATMs) or Point of Sales (POS) devices– conduct many banking transactions that would otherwise require staff attention: they furnish account information, accept deposits, draw down on pre-approved loans and transfer funds.
Interactive voice response (IVR) technology - refers to examples like using phones (either mobile or stationary phones) to check an account balance, make transfers, learn about products, and find the nearest branch location and its office hours. This saves time both for the clients and staff.
Internet banking –clients can make the same transactions as with phone banking (checking their account balance, making transfers, learning about products and finding the nearest branch location and its office hours) on the Internet.
Personal digital assistant (PDA) – can be used by loan officers to process loan applications by using the preset credit scoring model, to review a client’s historical data, and to monitor loan performance by reviewing the list of borrowers and their loan repayment status. Virtually all client data and client visit records are stored electronically and are immediately available in this small device (like a palm pilot).
Management information system (MIS): - provides computerized data processing for management decision making; it is used primarily for portfolio management, accounting and financial performance management.
Credit scoring – analyzes historical client data, identifies links between client characteristics and behavior; and assumes those links will persist to predict how clients will act. The technology can help a microfinance institution analyze how its clients have behaved in the past to make more reliable loan application decisions, devise more effective collection strategies, better target marketing efforts and increase client retention.
Complimentary Devices:
Smart cards – can be used for financial services, such as managing savings accounts, disbursing loans, or making transfers. There are different forms of personal identification, such as biometric technology and fingerprinting. Smart cards function like an electronic passbook. There is also a lower cost card, which operates through a magnetic strip on the reverse side of the card. A smart card differs in that it operates through more expensive chips that can store information offline on the embedded chips. Both cards are used in conjunction with ATMs or POS.
Biometric technology – measures an individual’s unique physical or behavioral characteristics, voice pattern and gait, to recognize and confirm identity. This is a supplementary technology used with ATMs or POS.
Automatic Teller Machines
Hirschland (2003) observes that ATMs provide 24-hour access to speedy transactions. ATMs, supplemented by smart cards and debit cards can provide flexible payment options and more convenient access to client accounts. They can also reduce branch infrastructure and employee costs, and facilitate financial services in areas with poor communications and electricity supplies. In particular, staff of MFIs could be relieved of some mundane functions like processing withdrawals and fund transfer over the counter, and rather, focus on personalized services. When fully utilized, ATMs can be used for balance inquiry, cash withdrawal, and transfer of funds, bill payments and making deposits.
As a summary, the continuous number of foreign investments in the country leads to adopting and application of foreign technologies, then its innovation to cater the needs and demands of these businesses just for instance the increasing need of communication links to their consumer and clients. As it is being used and adopt by foreign own companies in the country, Filipino owned business has to acquire and used it also to excel in the business world and cannot be left behind by foreign investor. As a part of business strategy, they need to have a good and secure communication links that make them connected to their clients and employees, in any part of the country or abroad. From that, communication providers take their part in making these possible. Innovation on communication takes place, and as we observed it changes or innovates every year (if I’m not mistaken). Then, innovation in information and communication technology (ICT), have extended the reach to a good and secure communication to be applied and used not only on business but in other fields even people and enterprises in isolated communities. As we all know, businesses today, despite it scale (local, multinational, international) have introduced to automation of their business process and transaction. Automation uncovered the manual business process, making them capable to process transaction in a short period of time with 99% accuracy and meet their client’s highest expectations. Nowadays, worldwide businesses systems have been centralized making all their branches around the world to be connected, plus it can be viewed by authorized persons anywhere as long as internet connection is available (as of now, there just few places in the world that don’t have a connection).
Thursday, December 4, 2008
Realization on how IT supposed to act????
Nov. 22, its a presentation day of out topic and FUTURE TECHNOLOGY's, we've been discussing different technologies and innovations and its application in different fields. we have shared significant information regarding the interrelation of technology from the past to the present, and sharing insights on how future technology will be basing in present technology...
Aside from sharing of ideas and information, we have also given a lot of "sermon" from our instructor towards our attitude on that day presentation. Most of us call it as "wake up call" and consider it as the strongest "wake up call" ever...And that made us realized that the technology and innovations we discussed and proposed are not enough to consider ourselves as IT prof... Sir Randy keep on telling us that its all nothing if we're not having a right attitude towards it...we might educated enough but incapable to take responsibility...(not to mention what have we done makin' us irresponsible).
Yeah....it really a wake up call, all of us aware from the start that it might happen if we act that way, but we've just take it for granted. we're just grateful enough to have an instructor that keep on reminding us every now and then.
(I) hope and trying that that will be the last time he ever remind us that way..i admit that it hurt and made me shaken but the best part of it is that, most of us come to realized that this somewhat a preparation for us on how we supposed to act as future IT prof..and how our character and attitude matters most in our future jobs......
thank you sir...
Aside from sharing of ideas and information, we have also given a lot of "sermon" from our instructor towards our attitude on that day presentation. Most of us call it as "wake up call" and consider it as the strongest "wake up call" ever...And that made us realized that the technology and innovations we discussed and proposed are not enough to consider ourselves as IT prof... Sir Randy keep on telling us that its all nothing if we're not having a right attitude towards it...we might educated enough but incapable to take responsibility...(not to mention what have we done makin' us irresponsible).
Yeah....it really a wake up call, all of us aware from the start that it might happen if we act that way, but we've just take it for granted. we're just grateful enough to have an instructor that keep on reminding us every now and then.
(I) hope and trying that that will be the last time he ever remind us that way..i admit that it hurt and made me shaken but the best part of it is that, most of us come to realized that this somewhat a preparation for us on how we supposed to act as future IT prof..and how our character and attitude matters most in our future jobs......
thank you sir...
My Research Topic Update...
as of this moment, i haven't find an adviser for my topic....Software Development Process Model for Offshore Development..im still looking for an adviser that have enough knowledge on my topic, coz it would be a great help for the to finish my research on time...i dont really want to extend another sem...huhuhu.
i have already someone in mind, but i still have to find extra courage and right words to convince him....
i have already someone in mind, but i still have to find extra courage and right words to convince him....
Thinking of my WORTH as IT Professional
Considering myself as an IT professional, I can say that there still something I should obtained to be considered as one. IT professional is not just you’ve got a degree on Information Technology and probably have plenty of ideas on innovations and inventions that one can contribute in the future. As of now that I’m still a student, I’m still confused on what the role I’m going to perform in the future to be considered as responsible IT professional, though I know that I have technical knowledge and skills as an IT, still it needs to be improved and develop. In terms of my character, I still need to be responsible in all my actions. For me to be considered as IT professional is one not only knowledgeable enough on IT but also responsible enough on the innovations one can contribute. This is what I need to comply to be worthy enough to be called as one.
As IT we are intended to contribute innovations on present technologies that primarily would improve the quality of life. In our Future Tech meetings, there are a lot of technologies and innovations presented. The timeline of such technologies where it originate and the concept as the basis of its creation and how relates to present technologies. From that we can really say that innovations happen as technologies passes from one generation to the next. Future technology is innovations on the present technologies and due to competency among inventors excel in the world market. And because of this healthy competition among competitors, sad to say that not all future technologies are invented to improve the quality of life, a lot of it is for war and destruction. From that, I can’t help myself to imagine a future that I don’t want to come, but who am I to stop it?
Thinking of what innovations/technologies I can introduce to improve the quality of life, I considered the E-Waste Management which presented by the group of Gorgonio and Orquillas. I personally have been a user of electronics products that cause of electronic waste as million of people around the globe do. And some of the products that I have used before (which of no used) are just stocked in one side of the house. Looking on that, realization comes into my mind on how it would properly dispose so that it will be less harmful as its number is rapidly increasing.
E-waste management would be of great help not only today but especially for the future. This will not only help protecting the environment but the human race as well. E-waste is an electronic equipments/products such as computers, televisions, VCR’s, stereos, copiers, and fax machines. Most of these can be reused or recycled, but due to advancement in technology, styles and status, these products can easily become obsolete. That’s why e-waste or electronic wastes have become the fastest growing segments of almost every nation’s waste stream, that cause a very alarming effect on human health and environment. E-waste are considered and proven to be dangerous because of its hazardous content.
Improper disposal of e-waste have been everybody’s practice. User’s concern is only on how to maximize the use of these electronic gadgets but hands off on responsibility on properly disposing it, not realizing the threat in can cause. Improper disposal of these materials such as computer waste that are landfilled can leach toxins into soil, air and groundwater which later enter into crops, animals and human body system causing entire contamination and pollution. According to experts, personal computers contain components with highly toxic substances, gases, and heavy metals. Trash from other electronic materials such as refrigerators, mobile phones contains lead, mercury, cadmium, hexavalent chromium and barium among others which can are very harmful to human health and environment. Melting computer chips can cause acidification of soil if disposed in the ground. Water and food resources will eventually affected and shortages on associated need will come after.
E-waste management that bring about proper disposal of electronic waste would be of great contribution not only in the field of IT but all the countries around the globe that have been affected by fast increasing number of e-waste in one way or another. This innovation on e-waste management will focus on how to lessen and prevent the rapid increase of e-waste. With these, guidelines and promotion on proper handling of electronic waste will be advertised globally for all to have awareness. E-waste management would probably pass into re-design, reuse and recycle. Redesign because at present electronic materials are designed to last only in short period of time probably 4 years, and after that those products would be obsolete and considered to be of no use leaving the consumers of no choice but to junk the old one and have to buy the new and latest one, maybe of its usage and capacity as well as not being left behind by the current trend. This kind of settings encourages the rapid increase of electronic wastes. From that, we already aware on how its number be multiplied with on the next ten years, for instance. But if we left it as ease and do nothing about it, its number on the next future is more than we can imagine as of now. With that the threat in could cause would also be more than we can imagine. Can we allow that to happen? No, of course, all of us had wished to have a better world to live in, in which contradicts on what the worlds turn into. Inventors and developers will be encouraged to redesign their products to have a long span of usage time and contain reusable and recycled materials that are easily disposable and cause less harm in the environment. With these, if properly implemented in every place in the world, the effect would be very beneficial, from the human health alone, unexpected body system damages and illness can be avoided as well as natural resources and environment contamination and pollution. As an IT professional, this is the least that I can contribute to improve the quality of human life and preserve the environment.
There are so many that one can contribute to improve the quality of life, I just can’t explain it in detail but there’s a lot where innovations can be applied. In medications and healthcare for instance, we are all aware that in this technological age, there so many illnesses that come out, which have not encountered before. This is due to the high technology substances that our body is interacting and forcing our immune system to adopt to the threat this technology brought. Innovations on the field of medicine that provide possibility to uncurable illnesses to be cured in the future, such as acute cancer of some part of the body. Early detection of such illness in human body has be made possible, which is second to prevention. Medication and treatment will be done at early stage so the chances for the patient to get well be achieved. Furthermore, innovations on hospitals facilities particularly in emergency section be designed to respond on possible fastest capacity cause time matter most in saving one’s life in this room.
Another innovation would be a disaster detection technology that would detect the natural calamities such as typhoon, landslide, tsunami, earthquakes, etc. With this, the country would prepared enough and have enough time to escape from the huge adversity cause by that calamity. Innovations also on rescue operation technology, in which is always in the state of emergency cause life or lives is the issue and the most priority. Say for instance, in fire brigade, its technologies should respond on their need to get the information on what and where is who needed their help as soon as possible. As well as the gadgets that would enable them to get there in the shortest way possible and time consumed. Availability of such machines that would perform their task in a situation that they were advised not to perform their task job to waited danger. That machines will serve as their substitute, with that their job is still performed without risking volunteer’s life. The way of transporting all the help and relief goods for remote areas primarily affected by such calamities have to find no hindrance on sending those help even if in a signal no. 4 typhoon, still it can travel by air, water, land or by any means.
Innovations also on the building architecture and engineering that their standard of design would be able to stand in a very strong typhoon or earthquake. As I have heard on news before, I cant remember the date, its all about the earthquake that strike China and making several buildings to collapse and cause many lives to death. I just think of possible innovations that can be applied in the field of engineering and architecture. Maybe in the near future, no one building will collapse because of the same natural calamities. All its design will not only focus to stand a very high storeys buildings but its resistant on the calamities that might come.
As I have mentioned several times, there’s a lot of innovations one can think if we say improving ones quality of life. However, these innovations have not to retain in our imagination but have to be implemented to make use of its benefits and advantages. As of present time, we can say that the need of those innovations is urgent, primarily for the objective to prolong the time we have to spent in getting into the future the we don’t want to reach.
We have been in the stage in which all our concern is to have all the innovations and technologies
we want to satisfy our unending gratification on technologies, without considering the effects it would cause in the environment and human health. Because of that attitude that we’re used to, we are on the alarming stage on the threat of these technologies bring about. But still most of us though aware are pretending to be unaffected and doesn’t even care to give their attention and cooperation.
These innovations if not implemented can be considered as worthless, the true challenge is in there. How one may able to make it possible and implement it. This will be reflected on what character we have as an IT. Back on the sermon that Sir Randy have given, its true that knowledge and skills in contributing those technologies are worthless, if we are not responsible and matured on our actions (thanks sir for making us realize..we’re so grateful). That’s why responsibility is the primary requirement. As IT, the responsibility is in our hand to make it possible. We’ve got the knowledge and skills to start it, so there’s comes great responsibility for us to finish it.
Anyways, most of us are little bit scared of the future because of undesirable effect of technologies that we foresee that might happen in the several years. What’s in our mind is that based on our observation and awareness, all the innovations that takes place in technology are bring about by the active competitions of inventors and developers of technology to excel in the market and can get over from one another. This scenario ends up with war and destruction in the future. However, if there a chance to change of direction and leading to the path where biggest competitors whom have a bigger contribution on the field of Information Technology compete on making their product or technologies innovative in a way of improving the quality of life, not to destruct one’s life. They will be competing on how to make their innovations human and environment friendly. In this situation, there’s bigger chance to regain what have we lost because irresponsible usage of past and present technology, though we won’t be able to regain it all, its still a big achievement. What’s going to be important is, there is a bright future awaits for us, not the kind of future that we don’t want to come. That if there’s a chance to change a direction.
As IT we are intended to contribute innovations on present technologies that primarily would improve the quality of life. In our Future Tech meetings, there are a lot of technologies and innovations presented. The timeline of such technologies where it originate and the concept as the basis of its creation and how relates to present technologies. From that we can really say that innovations happen as technologies passes from one generation to the next. Future technology is innovations on the present technologies and due to competency among inventors excel in the world market. And because of this healthy competition among competitors, sad to say that not all future technologies are invented to improve the quality of life, a lot of it is for war and destruction. From that, I can’t help myself to imagine a future that I don’t want to come, but who am I to stop it?
Thinking of what innovations/technologies I can introduce to improve the quality of life, I considered the E-Waste Management which presented by the group of Gorgonio and Orquillas. I personally have been a user of electronics products that cause of electronic waste as million of people around the globe do. And some of the products that I have used before (which of no used) are just stocked in one side of the house. Looking on that, realization comes into my mind on how it would properly dispose so that it will be less harmful as its number is rapidly increasing.
E-waste management would be of great help not only today but especially for the future. This will not only help protecting the environment but the human race as well. E-waste is an electronic equipments/products such as computers, televisions, VCR’s, stereos, copiers, and fax machines. Most of these can be reused or recycled, but due to advancement in technology, styles and status, these products can easily become obsolete. That’s why e-waste or electronic wastes have become the fastest growing segments of almost every nation’s waste stream, that cause a very alarming effect on human health and environment. E-waste are considered and proven to be dangerous because of its hazardous content.
Improper disposal of e-waste have been everybody’s practice. User’s concern is only on how to maximize the use of these electronic gadgets but hands off on responsibility on properly disposing it, not realizing the threat in can cause. Improper disposal of these materials such as computer waste that are landfilled can leach toxins into soil, air and groundwater which later enter into crops, animals and human body system causing entire contamination and pollution. According to experts, personal computers contain components with highly toxic substances, gases, and heavy metals. Trash from other electronic materials such as refrigerators, mobile phones contains lead, mercury, cadmium, hexavalent chromium and barium among others which can are very harmful to human health and environment. Melting computer chips can cause acidification of soil if disposed in the ground. Water and food resources will eventually affected and shortages on associated need will come after.
E-waste management that bring about proper disposal of electronic waste would be of great contribution not only in the field of IT but all the countries around the globe that have been affected by fast increasing number of e-waste in one way or another. This innovation on e-waste management will focus on how to lessen and prevent the rapid increase of e-waste. With these, guidelines and promotion on proper handling of electronic waste will be advertised globally for all to have awareness. E-waste management would probably pass into re-design, reuse and recycle. Redesign because at present electronic materials are designed to last only in short period of time probably 4 years, and after that those products would be obsolete and considered to be of no use leaving the consumers of no choice but to junk the old one and have to buy the new and latest one, maybe of its usage and capacity as well as not being left behind by the current trend. This kind of settings encourages the rapid increase of electronic wastes. From that, we already aware on how its number be multiplied with on the next ten years, for instance. But if we left it as ease and do nothing about it, its number on the next future is more than we can imagine as of now. With that the threat in could cause would also be more than we can imagine. Can we allow that to happen? No, of course, all of us had wished to have a better world to live in, in which contradicts on what the worlds turn into. Inventors and developers will be encouraged to redesign their products to have a long span of usage time and contain reusable and recycled materials that are easily disposable and cause less harm in the environment. With these, if properly implemented in every place in the world, the effect would be very beneficial, from the human health alone, unexpected body system damages and illness can be avoided as well as natural resources and environment contamination and pollution. As an IT professional, this is the least that I can contribute to improve the quality of human life and preserve the environment.
There are so many that one can contribute to improve the quality of life, I just can’t explain it in detail but there’s a lot where innovations can be applied. In medications and healthcare for instance, we are all aware that in this technological age, there so many illnesses that come out, which have not encountered before. This is due to the high technology substances that our body is interacting and forcing our immune system to adopt to the threat this technology brought. Innovations on the field of medicine that provide possibility to uncurable illnesses to be cured in the future, such as acute cancer of some part of the body. Early detection of such illness in human body has be made possible, which is second to prevention. Medication and treatment will be done at early stage so the chances for the patient to get well be achieved. Furthermore, innovations on hospitals facilities particularly in emergency section be designed to respond on possible fastest capacity cause time matter most in saving one’s life in this room.
Another innovation would be a disaster detection technology that would detect the natural calamities such as typhoon, landslide, tsunami, earthquakes, etc. With this, the country would prepared enough and have enough time to escape from the huge adversity cause by that calamity. Innovations also on rescue operation technology, in which is always in the state of emergency cause life or lives is the issue and the most priority. Say for instance, in fire brigade, its technologies should respond on their need to get the information on what and where is who needed their help as soon as possible. As well as the gadgets that would enable them to get there in the shortest way possible and time consumed. Availability of such machines that would perform their task in a situation that they were advised not to perform their task job to waited danger. That machines will serve as their substitute, with that their job is still performed without risking volunteer’s life. The way of transporting all the help and relief goods for remote areas primarily affected by such calamities have to find no hindrance on sending those help even if in a signal no. 4 typhoon, still it can travel by air, water, land or by any means.
Innovations also on the building architecture and engineering that their standard of design would be able to stand in a very strong typhoon or earthquake. As I have heard on news before, I cant remember the date, its all about the earthquake that strike China and making several buildings to collapse and cause many lives to death. I just think of possible innovations that can be applied in the field of engineering and architecture. Maybe in the near future, no one building will collapse because of the same natural calamities. All its design will not only focus to stand a very high storeys buildings but its resistant on the calamities that might come.
As I have mentioned several times, there’s a lot of innovations one can think if we say improving ones quality of life. However, these innovations have not to retain in our imagination but have to be implemented to make use of its benefits and advantages. As of present time, we can say that the need of those innovations is urgent, primarily for the objective to prolong the time we have to spent in getting into the future the we don’t want to reach.
We have been in the stage in which all our concern is to have all the innovations and technologies
we want to satisfy our unending gratification on technologies, without considering the effects it would cause in the environment and human health. Because of that attitude that we’re used to, we are on the alarming stage on the threat of these technologies bring about. But still most of us though aware are pretending to be unaffected and doesn’t even care to give their attention and cooperation.
These innovations if not implemented can be considered as worthless, the true challenge is in there. How one may able to make it possible and implement it. This will be reflected on what character we have as an IT. Back on the sermon that Sir Randy have given, its true that knowledge and skills in contributing those technologies are worthless, if we are not responsible and matured on our actions (thanks sir for making us realize..we’re so grateful). That’s why responsibility is the primary requirement. As IT, the responsibility is in our hand to make it possible. We’ve got the knowledge and skills to start it, so there’s comes great responsibility for us to finish it.
Anyways, most of us are little bit scared of the future because of undesirable effect of technologies that we foresee that might happen in the several years. What’s in our mind is that based on our observation and awareness, all the innovations that takes place in technology are bring about by the active competitions of inventors and developers of technology to excel in the market and can get over from one another. This scenario ends up with war and destruction in the future. However, if there a chance to change of direction and leading to the path where biggest competitors whom have a bigger contribution on the field of Information Technology compete on making their product or technologies innovative in a way of improving the quality of life, not to destruct one’s life. They will be competing on how to make their innovations human and environment friendly. In this situation, there’s bigger chance to regain what have we lost because irresponsible usage of past and present technology, though we won’t be able to regain it all, its still a big achievement. What’s going to be important is, there is a bright future awaits for us, not the kind of future that we don’t want to come. That if there’s a chance to change a direction.
Reasons why we use TECHNOLOGY and the Factors that Influenced US
Reasons why we use technology:
-it makes our work faster and easier
-it enable us to do multitasking
-it give us wide range of information sources and entertainment
with these, technoloogy became our necessity.
The easiness, speed, accuracy it could offer without consuming all of our time in doing our work or transaction are just some just some points that technology influenced us. changes in technology are due to competitions amoung developers and inventor which primarily aims for innovations.
-it makes our work faster and easier
-it enable us to do multitasking
-it give us wide range of information sources and entertainment
with these, technoloogy became our necessity.
The easiness, speed, accuracy it could offer without consuming all of our time in doing our work or transaction are just some just some points that technology influenced us. changes in technology are due to competitions amoung developers and inventor which primarily aims for innovations.
Saturday, September 6, 2008
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