Showing posts with label e-commerce philippines. Show all posts
Showing posts with label e-commerce philippines. Show all posts

Monday, April 07, 2008

Local payment gateway providers still strong despite Paypal availability in the Philippines

With the availability of Paypal in the Philippines, that allows receiving money or "cash-out" to a member's bank account, there were speculations that local payment gateway providers will close shop. However, YesPayments claim not to be affected. This according to company CEO Simon Paice. "Paypal has a slightly different focus. It is a great place to start for a small online business. But it is a big market. We have more than enough to keep us very busy. We always focus on providing a quality service but we are not suited to every merchant needs. The level of service we offer comes at a price. Our discount rates are still very competitive and keeping fraud down to a minimum is a great way for a merchant to cut costs instead of looking for the cheapest solution."

2007 was the best year yet for YesPayments. Simon shared that their monthly processing has more than doubled since Jan 2007 repeating the success of the previous year. "2008 looks set to see similar growth and the current interest in YesPayments and online processing generally gives me great optimism that we will see even better results."

A growing number of social networks have partnered with online payment providers to do e-commerce to its customer base. YesPayments had the opportunity to deal with one of them but things do not always work out like you expect as Simon has learned. "Trying to cross market or tap an existing client base is incredibly efficient but you also have to be able to support the product that you market."

"To successfully launch any kind of service online is not just a case of opening and marketing a website. You need the commercial experience and organization behind you to actually operate the business and provide a quality service or product. There are popular and successful social networks but they are not an online retailer."

"Many people think it's easy but e-commerce is anything but easy. We see many applications from entrepreneurs with little or no experience trying to go 'online' and unfortunately we have to disappoint them and advise them to get their business built first before looking to sell on the Internet. An applicant asked me recently how much money he needed to start an online business like Amazon. I wished him every success and spent some time explaining that the 'physical aspects' of any business needs to come first - not necessarily a traditional shop or office but things like the necessary planning and investment, product development, staff, supply and delivery chain. We do not try to discourage start-up business, quite the opposite in fact and I am happy to say that many learn from us and then come back when the time is right."

Simon joined the company late last year, succeeding after Paul Hubbard. He sees tremendous interest and growth in acceptance of e-commerce this year that will make them extremely busy. "We are in talks with some interesting outfits and who knows we may see the government coming to the arena finally."

Thursday, May 10, 2007

JJ Disini on Advocacy and Politics Online

One of the persons we interviewed for the Philippine Internet Review: Ten Years of Internet History (1994 - 2004) was Atty. JJ Disini of Disini & Disini Law Office.

JJ is a lawyer specializing in information technology matters. He represent mobile content providers, e-commerce companies engaged in e- banking, B2B marketplaces, on-line services, as well as, "traditional" IT companies such as systems integrators, ISPs, network providers. The website, http://www.disini.ph/, was established in 2000 at the same time he formed his law firm. One of his main goals in maintaining the site is to provide legal information for those interested in various areas of the law. He continuously updates the resources section of the site by including informative materials such as an Investment Primer and an Outsourcing Primer.

He was the principal drafter of the Implementing Rules and Regulations of the E-Commerce Law – Republic Act 8792. He also wrote a position paper for the Philippine Internet Commerce Society, in support of Cebu-based CyberPromdi in 2000 to counter a proposed ordinance banning minors in Internet cafes.

Janette Toral (JT): Since the passage of the E-Commerce Law what's happening now in the legislative arena?

JJ: There have been various initiatives in Congress relating to e-commerce such as the cyber crime bill, the convergence bill, and of course, the bill creating the Department of ICT. However, there have been no new laws to date. I'm not entirely sure if this is a good thing or not. It seems to indicate that ICT isn't much of a priority in the national agenda. However, I do believe that certain initiatives are worth pursuing. In particular, I believe a data protection and privacy law would benefit various sectors of the IT industry including the outsourcing providers as well as the public in general (whose informational privacy can be secured through the law).

JT: What's next? Do you see tougher issues in the area of cryptography and intellectual property?

JJ: I think the challenge now in the policy arena revolves around formulating a strategy for addressing various issues. There appears to be no "game plan" emanating from our policy makers with a specific agenda and action items. I think the time for motherhood statements of support and development have passed. We need to initiate steps to implement specific programs to get the industry going and ensure the continued development of the ICT sector.

JT: Do you ever see the Internet being governed? Will it be through traditional courts or dispute resolution?

JJ: Internet governance is far too complex to have any ready answer. Overall, I do believe that the use of technology (probably through private contracting) remains the strongest source of regulation on the Internet. The best example is the Uniform Dispute Resolution Policy (UDRP) of ICANN which effectively legislated protection to trademark owners against cybersquatting. In a mix of private contracting and technological control, UDRP has been an unqualified success. I think there are important lessons in that experience relating to Internet governance. Of course, a government can take an extreme position like China where ISPs are heavily regulated in order to block access to "offensive" sites. In the final analysis, the success of governmental control depends on many factors and an individual government's efforts may be thwarted by hackers and other liberally- minded citizens.

I don't believe the traditional courts can effectively handle multi- jurisdictional issues arising from the Net. Unless, of course, those courts are created by International agreements and some order is placed in terms of venue and jurisdiction. Still, I imagine those kinds of suits will be very expensive to litigate and very inconvenient to at least one of the parties.

JT: As work-at-home arrangements are becoming popular in the Philippines, do you find companies monitoring workers-at-home result to privacy violation?

JJ: I'm not aware if monitoring is that effective for people who tele-commute. I imagine that at best, the company can screen the person's email. Still, in the workplace, a vast majority of employers - at least in the US - monitor computer use to avoid unauthorized surfing and other factors that impact on productivity. In that respect, I believe the employer has a right to institute monitoring equipment. In the final analysis, computer resources are provided by the employer for business purposes only. As such, the employer has the right to monitor the use of those resources to ensure their proper utilization. If employees want privacy, then they should use their own computer resources -- at home, for example.

JT: Is it possible for Filipinos to elect a Philippine President from the comforts of their own home or work place (especially for OFWs)?

JJ: Theoretically, yes. The issue of course is authentication. But that's a common issue for all on-line transactions as well as current "off-line" election procedures in place.

JT: Do you think it's possible in the future that there will be a candidate in national politics that will represent the Internet community? Who do you think that will be?

I guess it's difficult to say or determine who comprises the Internet community. There are users and there are business people, government officials -- all having different interests that need to be protected. I think at most, we can have a candidate with an agenda that supports various interests within the Internet community. Perhaps, that would be enough.

Who would that be? Anybody who takes up the cudgels for promoting Internet use and commerce in the Philippines.

JT: A lot believe that the Internet changes everything about the law. Almost everyone can maximize the use of the Internet for both good and bad purpose. As a safety principle especially in legislation, what is commonly noted is that whatever is allowed in the real world should be allowed on the Internet and vice-versa. Do you think this principle will remain the rule of thumb in the next 10 years? How does this double-edged sword affect our rights and liberties?

JJ: It's not so much a rule of thumb as a stop-gap measure. The advent of the Internet and the pace at which adoption and usage has grown over the past years has far outpaced Congress. The making of laws is a deliberate and deliberative process that cannot possibly be done in Internet time. So, in the absence of any pronouncements from Congress, the courts have no choice but to apply existing laws to new situations -- with varying success. I believe this will continue but I also believe that the process is continually improving as the legal analysis improves and legal experts come to understand the peculiar issues the Internet brings to the law. On the whole, I wouldn't be too concerned about our rights and liberties. I don't think excessive regulation is in the offing and those of us online should be free from restrictions for years to come.

Tuesday, December 26, 2006

Philippines no longer #1 on online fraud worldwide

Two months ago, I mentioned about the Philippines being #1 in online fraud worldwide. Apparently, we are no longer that as the local bank and payment processor responsible for it was just sanctioned and have their credit card processing license revoked and heavily penalized by the major credit card networks. This comes in as good news.

It seems the stringent efforts by credit card companies are paying off as online fraud is slighty lower this year. Small merchants are hit hardest by online fraud. Fraudsters pocket US$3 billion from US e-commerce sites this year.

Wednesday, September 20, 2006

One Internet Day Cebu - A BLAST!

Yes, it was a BLAST! More than 100 participants representing the educators, entrepreneurs, government employees, IT professionals, corporate personnel joined us in this celebration.

I kept receiving congratulatory whispers as very rare do SMEs come together with the intent of learning more about e-commerce. Thanks so much to DTI-Cebu, Primary Software, CyberPromdi, National Computer Center/Commission on Information and Communication Technology - Visayas for all the help in making this event a success.

Blog and news about One Internet Day Cebu:

One Internet Day Cebu photos and presentations are now online!

Friday, September 01, 2006

September 22: One Internet Day 2006 Davao

DigitalFilipino.com is now on its 7th year. We are celebrating this by holding a One Internet Day event on September 22, Friday, from 1:10 pm to 6 pm, at Sequioia Inn, 7274 Monteverde Avenue, Davao City. Our theme for this year is "E-Commerce Build-up for SMEs".

This is in partnership with the Department of Trade and Industry ICT Business Development Team. This is also supported by the Association of Solution Integrators in Davao (ASID).

The program is as follows:

12:00 - 1:10 Registration

1:10 - 1:40 Keynote: E-Commerce for National Competitiveness and Policy Updates (Janette Toral, DigitalFilipino.com)

1:40 - 2:00 Introduction of ASID members and updates

2:00 - 3:00 Panel: State of E-Payment in the Philippines
3:00 - 5:00 Panel: New E-Commerce Opportunities

5:00 Raffle and Networking

This event is by-invitation only and to DigitalFilipino.com Club Members. Thank you for supporting DigitalFilipino.com!


OneWebDay

Friday, August 25, 2006

September 20: One Internet Day 2006 Cebu

DigitalFilipino.com is now on its 7th year. We are celebrating this by holding a One Internet Day event on September 20, Wednesday, from 1:10 pm to 6 pm, at Raja Hall, Raja Park Hotel, Fuente OsmeƱa, Cebu City. Our theme for this year is "E-Commerce Build-up for SMEs".

This event is in partnership with Prime Software, CyberPromdi, and Department of Trade and Industry ICT Business Development Team.

The program is as follows:


12:00 - 1:10 Registration
1:10 - 1:15 Welcome (Janette Toral, DigitalFilipino.com)

1:15 - 1:45 Keynote: E-Commerce for National Competitiveness and Policy Updates (Provincial Director Nelia F. Navarro, Department of Trade and Industry)

1:45 - 2:15 Internet Enabling Business Software Solutions: New Trends in Client-Server Web Computing (Mike Jurado, Prime Software)

2:15 - 3:00 Panel: State of E-Payment in the Philippines (YesPayments, Innove)
3:00 - 4:00 Panel: New E-Commerce Opportunities 4:00 - 5:00 Panel: Making E-Commerce Work

5:00 CyberPromdi Re-Launch (Frederick Amores)

This event is by-invitation only and to DigitalFilipino.com Club Members. Thank you for supporting DigitalFilipino.com!

September 19: One Internet Day 2006 Manila

DigitalFilipino.com is now on its 7th year. We are celebrating this, in partnership with the Department of Trade and Industry ICT Business Development Team, by holding a One Internet Day event on September 19, Tuesday, from 1:10 pm to 7 pm, at the e-Library 2/F AIM ACCEED Benavides St. corner Paseo De Roxas, Makati City (Greenbelt). Our theme for this year is "E-Commerce Build-up for SMEs".

The program is as follows:

12:00 - 1:10 Registration
1:10 - 1:15 Welcome (Janette Toral, DigitalFilipino.com)

1:15 - 1:30 Keynote: E-Commerce for National Competitiveness (Director Ludy Yaptinchay, Department of Trade and Industry)

1:30 - 2:00 Data Privacy and E-Commerce (Director Domingo I. Bagaporo, Board of Investments)
Awarding of Plaques to the principal drafters of DAO #8
  • Atty. JJ Disini
  • Atty. Lindy Gavino
  • Janette Toral

2:00 - 2:30 Building Buzz with Blogs (Maoi Arroyo, Hybridigm Consulting)

2:30 - 3:30 Panel: State of E-Payment in the Philippines

3:30 - 4:30 Panel: New E-Commerce Opportunities

4:30 - 5:30 Panel: Making E-Commerce Work

5:30 - 7:00 Networking and Raffle

This event is by-invitation only and to DigitalFilipino.com Club Members. Thank you for supporting DigitalFilipino.com!

Sunday, January 15, 2006

Registration Closed: February 17: Free E-Commerce Briefing

Hello everyone. Note that we already reached our quota for the E-Commerce Track and can no longer accommodate new registrants.

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DigitalFilipino.com Club members will once again share their knowledge to the Internet community for free this February 17, 2006 at E-Services Philippines. I hope you can join.

The program as follows:
February 17, EDSA Shangri-la Hotel Mandaluyong City

E-Commerce Track (Boracay Room, Lower Ground)
(All speakers in this track are DigitalFilipino.com Club members who have volunteered to share their knowledge. The final list is yet to be updated. TBC means to-be-confirmed)

12:00 to 1:15 Registration
1:15 – 1:30 Keynote
1:30 – 1:45 E-Business Revisited: from E-commerce to Service Digitization (by Jan Pabellon)
1:45 – 2:00 E-Commerce Case Study: TitikPilipino
2:00 – 2:15 E-Commerce Case Study : MyUSMailBox
2:15 – 2:30 E-Commerce Payment Solutions: YesPayments (by Paul Hubbard, YesPayments.com)
2:30 - 2:45 E-Commerce Payment Solutions: PayFree (by Erick Kalugdan, PayFree.com.ph)
2:45 - 3:00 E-Commerce Payment Solutions: YOSSN.com
3:00 – 3:15 Best Practices in Generating Online/Website Traffic (by Gerry Diwa)
3:15 - 3:30 High-Tech Loyalty Marketing (by Yayu Javier)
3:30 – 3:45 E-Commerce and IPV6 (by Lawrence Hughes, InfoWeapons)
3:45 – 4:00 State of RP Digital Certificates Adoption (by Rederick Pantia, MySecureSign)
4:00 - 4:15 E-Commerce Security Case Study (CITEM Sponsor: Sun Microsystems)
4:15 – 4:30 New Challenges in E-Commerce/Outsourcing-Related Policies (Atty. JJ Disini)
4:30 - 4:45 Intellectual Property Protection and Outsourcing Challenges (Blank Home & Associates)
4:45 - 5:00 Challenges in Online Journalism (Nini Cabaero, Sun.Star Online)
5:00 – 6:00 Raffle, networking, cocktails

To register in this FREE affair, please email me the following at digitalfilipino@gmail.com:
Name:
Position:
Company:
Address:
Phone:
Fax:

Thank you.

Saturday, December 24, 2005

Presentations and Photos Uploaded: One Internet Day

Our sincerest thanks to all who supported the One Internet Day event last December 16. Here are the presentation materials in relation to the said event.

Check out the photos taken at the event as well.

My sincerest thanks to Abby Ongyanco for the kind feedback she has given about the event.

Sunday, December 04, 2005

December 16: One Internet Day: Empowering Citizens Through Technology

This December 16, DigitalFilipino.com will be celebrating One Internet Day at the Penthouse of the Board of Investments, Gil Puyat Ave., Makati City from 1 pm to 6 pm.

We are fortunate to have great individual and corporate club members who did not hesitate in giving back to the community by sharing their knowledge.

The event is FREE and open to the public. Details on how to register can be found below.

Program:
12:00 - 1:15 Registration
1:15 - 1:30 Keynote
1:30 - 1:50 Environmental Analysis: B2C E-Commerce in the Philippines (Anna Mendoza)
1:50 - 2:10 PinoyDelikasi.com: E-Commerce Lessons Learned (Jovel Cipriano)
2:10 - 2:30 Launch of payFree, Electronic Payment for FREE! (Erick Kalugdan, Load.com.ph)
2:30 - 2:50 State of Philippine Internet Security (Fernando Martirez III)
2:50 - 3:10 Lessons Learned in Internet Crime and Legal Cases (Atty. JJ Disini)
3:10 - 3:30 Introduction to Open Web Security Application Project (Adrian San Juan)
3:30 - 3:50 Lessons Learned in Community Building (Boogie Boydon)
3:50 - 4:50 The WSIS Awards Philippines winners recognition and sharing of experience (Josie Cacdac)
4:50 - 6:30 Networking, raffle, and exchange gift

There are two main highlights as well that shall take place during this event.
1. The launch of payFree: Electronic Payments for FREE! This is a service offered by Load.com.ph that will allow any of its members to accept payments online and apply as a prospective merchant.

2. Josie Cacdac who is the Philippines representative to the WSIS Awards Panel shall be returning to the country on this day and will give recognition to the winners of the WSIS Awards Philippines in 2003 and 2005. The awardees are:

2003 Winners

eBusiness - Pinoydelikasi.com
eCulture - Filipinas Heritage Library
eEntertainment - MrMusiko.com
eGovernment - OurBid.ph
eHealth - eHealth.ph
eInclusion - Isla.ph
eLearning - DigitalFilipino.com
eScience - none

2005 Winners

eBusiness - SME.com.ph
eCulture - Tsinoy.com
eEntertainment - OFW-TV
eGovernment - eCensus
eInclusion - B2bpricenow.com
eLearning - Regions of the Philippines (Region IV-A)
eScience - Philrice

The event is FREE and open to the public. To attend, please email the following to digitalfilipino@gmail.com

Name:
Email:
Company:
Position:
Address:
Phone:
Fax:
Website:

Those who would like to hang their streamers at this event and be given a table space where you can distribute flyers, show demos, are requested to sign up as a corporate member of the DigitalFilipino.com Club.