Online services

Online banking
Online shopping
Online bookings

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 Online banking

 Advantages:
 Do banking transactions anywhere in the world, any time of
the day, and any day of the week.
 Don’t have to visit the bank and stand in long queues.
 Online banking can be done from
any device, e.g. PC, laptop, tablet,
cell phone.

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 Online banking

Types of transactions:
 Check account balance
 Transfer money from one account to another
 Pay bills
 Order cheque books and credit cards
 Print statements, etc.

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 Online banking

Security measurements:
 Don’t do internet banking in a
public place such as an internet
café.
 Don’t give your personal
information such as usernames
and passwords to someone
else.
Image:
http://upload.wikimedia.org/wikipedia/commons/9/9a/E-Corner_Internet_cafe.JPG

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 Online banking

Security measurements (continue):

 Don’t respond to e-mails asking you to provide personal
details or redirecting you to a website, pretending it is from
the bank. Remember: the bank will ask you to visit a branch
if they want to confirm your details!
 Ensure that antivirus and system software are up to date.

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 Online banking

 Safety measurements taken by the bank:

 Ensure a safe website:
 https
 the small padlock is closed.

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 Online banking

 Safety measurements taken by the bank:

 Ensure the user to log in with a PIN (personal
information code) code as well as a pass word.
 Provide an on screen keyboard to use for PIN codes
and passwords.

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 Online banking

 Safety measurements taken by the bank:

 Inform the user by SMS of any online activity on their
account.
 Provides an OTP (one time pin code) to confirm
transactions, e.g. online shopping or reservations.
 Display warning messages on their website.

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 Online shopping

 About anything can be purchased via the internet:

books, DVDs, groceries, clothes, cars, etc. from online
“shops” such as Kalhari.net and Amazon.com.

Image:
9 http://teehunter.com/wp-content/uploads/
2013/02/Online_Shopping.jpg
 Online shopping

 Advantages:
 One can shop any time of the day or night in the safety
of your own home.
 Easy to compare prices – you don’t have to travel from
shop to shop.
 Prices may be lower, because businesses don’t have to
rent expensive shops or keep large quantities of stock.

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 Online shopping

 Disadvantages:
 You can’t see or fit the item you intend to buy. Only
images and videos are available.
 Additional costs, e.g. import taxes and delivery costs
may result in a much higher price than what you see on
the website.

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 Online shopping

 Security measurements
 Ensure that you are logged onto a secure website (https
and closed padlock) before you enter any banking
details.
 Be on the lookout for a digital certificate indicating that
the website is registered and that your personal data
will be encrypted on its way to them.
 An example of a security provider is VeriSign.

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 Online shopping

 Security measurements (continue)

 Investigate physical details of the organisation you
intend to do business with, to ensure that they really
exist and are legit.

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 Online shopping

 How online shopping takes place (1):

 You may need to register and log on to the website
before you will be able to do online shopping.

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 Online shopping

 How online shopping takes place (2):

 Choose items you intend to buy and add them
to the shopping cart.
 All the items already added as well as the total
value, will be displayed.

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 Online shopping

 How online shopping takes place (3):

 To complete your shopping, you need to check out.
 You will be redirected to a page showing the bill and
prompting your credit card details.

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 Online shopping

 How online shopping takes place (4):

 The goods will be delivered to you.
 Note: You will be able to add and remove items or
cancel the transaction at any time before you check out.

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Online bookings/reservations

 Reservations and bookings can be done for:

 Holiday accommodation
 Airline, train or bus tickets
 Car rentals
 Movies
 Theatre productions
 Sport events
 etc.

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 Online bookings/reservations

 How to do a booking:
 The website connects to a database that will show
availability of seats, accommodation, etc.
 After you have decided on the booking, you will need to
check out and pay the same way as when you buy
something online.

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 Online bookings/reservations

 To do a booking:
 Confirmation and information regarding your booking,
e.g. reference numbers, will be available to download
and/or sent to you e-mail address.
 The database will be updated with your information to
prevent double bookings to take place.

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Online bookings/reservations

 Advantages
 You don’t have to wait in a long queue to purchase
tickets.
 Do it anytime in the convenience of your home, or
wherever you are at the moment.
 Do bookings from any device, even tablets and cell
phones.

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Online bookings/reservations

 Disadvantages
 You will most likely not be able to cancel or change a
booking once payment has been made. Make sure of
the date, time and place of the booking before you
check out.
 If the server where the database is kept is offline, you
will not be able to make the reservation.

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Online bookings/reservations

 Security measurements
 The same security measurements apply as for online
shopping.

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 Activity

 Online banking
 Answer the following questions:
 Name THREE examples of internet banking transactions.
 Do you think that online banking plays a role when one
pays for purchases by means of a credit card?
Motivate your answer.

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 Activity

 Online banking
 What do you think is the greatest advantage of internet
banking?
 Name THREE measurements taken by the bank to
ensure that online banking transactions take place in a
secure environment.
 Name THREE measurements you can take to ensure safe
online banking.

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 Activity

 Online shopping and –bookings:

 Answer the following questions:
 Name THREE advantages of online shopping for
 The business
 The client
 What are the disadvantages of online shopping and
bookings? Discuss your answer in detail.

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 Activity

 Hands-on experience
 Obtain your parents’
consent and book tickets
online for a movie at your
local shopping centre.
 Describe the steps you
followed to complete the
transaction.

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