Online Banking
Bank is used to be a place where people put their money and stored it in the bank so that there money is safe.
With Online banking money seems to exist everywhere or we could say that online banking is the easiest way to  manage your money without having to go to your bank, instead you use a computer to log on to the internet and go on to your bank website.
with online banking you can complete most of the transactions that people use, this includes checking balances, paying bills, managing direct debits , transferring money to someone account if you have their information and ordering cheque books and statements.
online banking has made life very easy for business as well as for people, so for example your employee just gives your information to the bank and that's how money comes in to your bank. As online banking is growing faster, people now use less high street bank there is now less money kept in bank because of people use online banking now.
Security
Security is always a problem in online banking, the best way to keep your account and information safe is using card reader, so then there s no chance for thieves to get hold of you account details or your information.
there is also other ways thieves can hack into your account and that is called 'Phishing scam'.  it works by an email message sent to your email account. The best way to keep yourself safe from frauds and phishing scam is to make sure that they don't ask for pin number.
Scopes and Limitations  
 
 

Scopes
You don't have to go to your bank, to make payments or transfer money.
You can transfer money easily using online banking
You can use online at home or office.
You can use at a time convenient to, 24/7 and 7 days a week.
You can check your bank statements which means that you can then manger your money.
You can apply for a loan or a mortgage through online banking.
banks  employee less staff  which means they save more money.
Limitations
You need internet access to use online banking.
Banks have to specialist web developers and expensive computers to run the website.
Fraud is likely to happen with online banking.
'Phishing scam' make people worry.
You can't withdraw cash through online baking, you have to use ATM machine.
With online banking there is less jobs available for people on high streets.
My Personal Experience
I have never used online banking, but my dad uses online banking. I think it is the easy way to manage your money. As I see my dad using online banking it seems very easy to use especially with card reader. with card reader online banking is a very secure way to make payments or check your banks information.

 

E-commerce
E-commerce is when businesses and consumers buy and sell products online or perform business transaction online. This includes big companies selling their products to people or consumers online on sites such as Amazon, or EBay.
Amazon
Amazon was founded on July 5, 1994. Amazon is one of the world largest online sellers. They sell  mostly everything and their products are very cheap. Amazon started their online business from books and then they developed their way to selling other materials such as kitchen stuff, jewellery, car and motorbike tools, sports and many more.
Scopes and limitations of using Amazon
Scopes
you don't have to go to shop to buy.
cheaper than high street shops.
you can shop anytime 24/7 and 7 days a week.
Limitations
You might want something on a specific date but it may not get delivered.
Risky credit card or visa card purchase, in case of  a fraudulent person gets hold of your credit card or account number, you may run the risk of being duped and cheated monetarily.
you have to pay for delivery (postage fee).
My personal Experience
I use amazon quite often mostly buying books for school. my family use amazon as well and i think it is a great way to do shopping, there a lot of benefits such as it save your time and it is cheaper then shopping in high streets.
EBay
EBay was founded on September 3, 1995. Ebay is the largest online auction site, it is used by many people and business. users simply use it to sell unwanted stuff. EBay sells everything that can come on one's mind.it is also very cheap and have a secure payment method (Paypal).
Scopes and Limitations of using EBay
Scopes
it is way more cheaper than high street shops.
it is easy for people who don't travel so they can just easily buy stuff.
There are more choices available on EBay.
Limitations
The goods could be damaged.
 So for instance if you buy clothes you can't try it on, it could not fit you when delivered.
You can only base your opinion on pictures and description, but when you receive the item it will be completely different of what you expected it to be.
My Personal Experience
Personally I have not use EBay, but I have heard from my friends and people that it is a good way of selling your unwanted stuff. it saves your time and money. the good thing about using eBay is that it is safe and secure, because of the PayPal.
Other E-commerce
there are other  online business that sell online for instance Tesco, Sainsbury and many other but the difference between them is that they have shops, so this makes it easy for customer to order something online and then they can collect it from the store.
Security
there are a lot of companies that use PayPal to make sure that no fraud happen and that customer card detailed is save and secured.
PayPal
PayPal is completely secured and is complete isolated, which mean that if someone shops online on EBay and buy something from another person they will be safe and secure so there card detailed won't go to the consumer and will only stay with PayPal.
Some of the Scopes and Limitation of online business.
Scopes
you can reach more people and you can get more customers.
you don't have to pay for store or hire one.
The biggest advantage would be that you don't have to hire workers and that you save a lot of money and you earn more profit.
limitation
They make less money per item.
Bad feedback can spread quickly and then your company won't be making big profit.
Fraud is very popular online and that could happen to someone business.
 Not many business use PayPal such as Amazon so that could be a problem and you could lose customer because of this.

Real Time Information/Services

Real Time Information

Online News Update: we view news online on website like BBC news or daily mail, online news is updated as soon as an event happens. Online news services help as to check news instantly as soon as anything happened around the world.

Scopes

You can view news online on your mobile phone.

You can check news everywhere you are as long as you have internet connection.

It can be viewed if you miss the broadcast on TV or radio

Limitations

It can’t be reliable sometime.

Online news doesn’t have a very good connection service, so the news can crash sometimes.

There is no advertisement for companies.

My personal Experience: I read online news sometime but not usually, I think that online news is a very big benefit for people who read news everyday as online news is free and they save time, they just have to view it online. Online news save time and money.

Traffic News: Traffic reports started in late 70s; traffic news and update work in a similar way to news updating but more locally. News of traffic status is updated online immediately online. This allows people to plan a journey and avoiding traffic queues. Satnav (Satellite Navigation) in cars features traffic updates to allow drivers to take a different route and to avoid traffic.

A Satnav screen showing the user being directed away from heavy traffic.

Scopes

You can plan your journey and avoid traffic routes

If you don’t know how to get to a specific route, you can use satnav to help you reach your destination.

You can use traffic news update 24/7.

Limitations

Online use it can’t be reliable sometime

Everyone could be using the same route as you, and there could a traffic jam again.

My personal Experience: I have never used or view traffic news before, but when I am travelling with my family my dad plans the journey by using Satnav to avoid traffic routes. I think it is a very good way of planning your journey before leavening your house or work, so that you can avoid traffic queues and accident that have occurred.

Flight Tracker

Real time information and updating is commonly used in controlling air traffic, where you can track plane and see how far it is from the destination. They also look at the altitude if it too high or too low.

Flightradar24 is a website that tracks aircraft from your own computer or smartphone. The website allows you to locate a particular aircraft and information about it such as altitude, destination, and speed. This can allow you to track an aircraft if your relative or anyone is travelling on that a plane and see where about they are.

 A screenshot of Flight radar, showing aircraft over parts of Europe.

Scopes

You can easily find out if your relative is travelling where they are, and you can get a rough idea when to leave for the airport.

You can see the planes 24/7, and also you can use the website 24/7.

It is easy to access; all you need is Wi-Fi.

Limitations

You need internet access in order to use the website.

Sometime they don’t give you the information you are looking for.

My personal Experience: I have never used this website or any other website before for tracking planes, but it looks amazing as you look at the website. I think that it is a great website and most taxi drivers would use this for picking or driving customers to the airport as they can track the plane and leave on time so that there are no delays.

Train Timetables/Times

 Real time is used in train timetables to  give information about train arriving and departing time, this is used by people who travel by train or someone who go to work by train and students that go to school using train. It is update every day to make sure that everyone has the right information about trains and that they don’t miss a train. It gives you information to when the train arrives and how long will take you to reach from destination to other.

A screenshot of National Rail, showing train times and fares.

Scopes

You can plan your journey before you leave your house.

You can find the train departure timing etc.

You can leave before the train arrives and you will not be late for work/school.

You can book your ticket without going to train station.

Limitations

Some time they can get the train times wrong.

There could be a delayed somehow and you could be late for work.

Trains are usually delays.

My personal Experience: I use train timetables some time whenever I am travelling by train, and for me it has been very beneficial as I don’t face any difficulties while travelling or planning my journey. Most people would use train timetables to check train times or if there is any delay that have occur.

                                              Communications

Emails

We send and receive messages through email; we even send pictures or videos using computer or mobile phone.

Emails were the most popular type of communications for a very long time, it is still popular but other social media had a big rise in recent years.  The first email was sent in 1965 but you could only send messages to user on the same computer, later in 1972 Ray Tomlinson made it possible to send emails to different computers he also created the symbol @. The first email he sent between two computers was "qwertyuiop" top line of keyboard.  Now 294 billions emails are now sent every day and more than 2.8 million emails are sent every second and around 90% of these emails are spam and viruses.

Scopes

• Emails are very fast and they are very good form of communication.
• They can be sent 24/7 anywhere that has an internet connection. 
• You can send email to individuals or more than one person. 
• It is free and easy to use.
• Emails are beneficial as they are sent much faster than traditional post sent.  
• Emails are free to spend but we have to pay for stamps to send items in  the post.

limitations

The drawback of emails are that people sent 90% of viruses and spam messages everyday so it could be you that can receive that sort of email. So users have to be aware of the risk and not to open attachments from people that they don’t know.

• You can be sent spam messages by companies advertising there products. 
• You can get viruses from locking at emails.
• You can get fraud by people trying to get your bank information.

My personal experience
I use emails as it is an easy way to connect to my cricket club and teachers via my computer. The main reason I use emails is to receive emails from my Cricket Club as he arranges training session so that I can keep alerted to know what times to attend. I also use emails at school to contact my teachers to email them work and to inform them if I need help. Lastly I used them to apply for jobs online and to send Emails to my father’s friend about business deals.

Mobile phones are one of the most used types of communication between people all around the world. People use mobile phones now everywhere like on trains, at work, and even  in schools by students.
Back in 1993 mobile phones were the size of bricks but know technology has change and you can get them in a size that can fit into your pocket.
These days’ people use mobile phones everywhere, at home, at work, at school and almost everywhere. We use mobile phones for communication as well as entertainment such as games, music, video, even connecting us to the web and more. Around two billion people used mobile phones to communicate with others
Scopes

• If you are lost, you can call for directions, to your family, friends etc.
• You can listen to music, text, and play games when you're bored.
• You can chat & video conference.
• You can check your emails

Limitations

• Mobile phones can be expensive
• People use the phone while they are driving, and this can cause problems.
• They can limit your face to face time with friends and family
• Can ruin the connection to the computer.
• Can be hard for older people to use.

 My personal experience: I used my mobile every time, I use it  to text my friends and family as well as other people like my cricket manger if I am not going to cricket training or If I  am away. I use my phone to watch films, or play games because it is easy to use and I don’t have to go on computer and I can use it easily watch it while laying down in my bed rather then sitting straight in front  of  TV.

Texting is the most popular communication between teenagers, around 72% of teenager’s text regularly and one in three sends more than 100 texts per days. Texting has, in many ways, made communications easier by helping people avoiding long, unpleasant phone conversations.

The first message was sent from computer to a mobile phone on December 3 1992 from Neil engineer Neil Papworth sent the first SMS message to Richard Jarvis of Vodafone. It simply read "Merry Christmas," and Jarvis had no way of replying.

Scopes

• A person can respond when it is more convenient for them.
• If you're not able to talk out loud, texting provides a solution. 
• Easier to text someone if you're not confident about speaking on the phone. 

Limitations           

• Long text messages cost more money than a short text.
• It can be difficult for some people to work out how to send a text message. 
• Sometimes take a while to arrive at the other phone if the network is busy.
• You don’t know if the person has received your text.

My personal Experience: I text sometime when it is something important or an emergency, but I mostly used other social media such as Facebook, Whats App, because it makes it easy for me if I have a Wi-Fi, and it doesn't cost me, on the other side if I text someone it would cost me.

Introduction to Online Services

 

                                            Online Services

There are different types of online services. But I will be explaining you the one that are used in every day’s life, so I am going to start with E-commerce.

E-commerce is when items are brought or sold online or over the internet.. It includes shopping online, paying for your insurance, online Banking online auctions.

Social networking enables users to communicate with each other by posting information, commenting and sending images; they are Facebook, Snap chat, twitter, vines and Instagram.

Entertainment is one of the popular and most used online service by many people, it is used by most people around the world there are many types of them which are films, music YouTube, and games.

Communications is the way of connecting or talking to people through internet which are Email, blogs, Skype, messaging, newsgroup, online conferencing, smart phones 3g/4g Wi-Fi

Education is very important for young people, education is available   online even you do exams online now it has and have  been used mostly by teenagers and school students, there are many website some of them are my maths, Sam learning, Exams, UCAS, VlEs.

Download Service is used by many people and has become very popular over the recent years, most of the download service cover Entertainment section such as downloading films, music, videos.

Real time information is information that can be viewed online 24/7 and is updated every second so they keep you up to date it  covers things like train timetables, new services, traffic reports if there is traffic jam anywhere on the motorway etc, weather reports for like we hear weather forecast.


Banking: online banking allows users to go to their bank and check their money, transactions and transferring money to other person bank, it is now easy for people because they don’t have to go bank to check or transfer money.