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Hello. My name is Nur Sabrina binti Khairrul Sazani (2113816). I’m currently in 3rd year 2nd semester, majoring in Sociology and Anthropology.

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This decade has seen a shift in the way that traditional society lives, with a greater reliance on newly developed amenities. Every group of individuals is greatly impacted by the introduction of devices like computers and smartphones, whether for business or personal usage. The use of computer and communication technologies to store, retrieve, safeguard, process, view, and send data without regard to location or time constraints is known as information technology. Nothing made by humans is flawless, as everything is. Information technology is no different, since there are advantages and disadvantages to using it. So that we can throw out the hazy and clear, it is crucial that we understand and become proficient with this technology. Children and teenagers, who will make up the nation's future, should learn information technology in step with its advancements in order to take full use of its advantages. Teenagers' self-skills can be empowered by information technology. The majority of us, especially teens, need to learn many skills in order to stay employable in today's current world of work due to modernization. This is true since the range of employment available today calls for people with a wide range of skills. For instance, in terms of future professional growth, the primary evaluation criteria now include communication skills and self-image. Teens can acquire skills through video streaming services like YouTube outside of the classroom. Teenagers must also foster the acceptance of technology in their everyday lives since, in the future, technology will permeate every part of life and will be easier and more effective to utilise. Teens would be well advised to acquire additional skills in keeping with the fast advancement of technology, since this will make them more marketable in the future. However, having a firm grasp of information technology may also help people communicate with one other at any time and from any location. The advent of technical apps like Whatsapp has transformed human communication, enabling video conversations to supplement voice calls on the phone. You may have in-person meetings in real time and improve your communication. Since long-distance communication is already commonplace in society, teens in particular need to embrace and make use of this globalisation process. With the advent of social media apps like Facebook, Twitter, and Instagram, users now have more opportunities to grow their global network of contacts. In addition, the convenience of communication facilitated by information technology is crucial for individual security. This is due to the ease with which emergency phoning and location sharing can be executed in the event that the victim finds themselves in an emergency or faces imminent danger. As stated in a Malay proverb, "different in the past, different now" refers to the ways in which communication was done in the past as opposed to now. Having a solid understanding of information technology will make it easier for people to communicate with one another at any time or place. The advancement of science and technology also has the benefit of making it easier to buy things, which saves money, time, and effort. As a result of the recent surge in inflation, society is becoming more and more preoccupied with their daily grind of struggling to make ends meet. In keeping with the earlier discussion, the majority of individuals do not have enough time for recreation. With infrastructure and other facilities, the technology offers an additional means of facilitating community life. The Internet can make it easier for someone to buy things, especially food, if they don't have time for other activities or leisure. Compared to other nations, people in Korea and Japan, for example, have engaged in this activity. Accordingly, we can adopt their methods and carry them out in Malaysia. The community may complete everyday tasks more swiftly and efficiently by using the Internet. An example of the advancement of science and technology that can be seen nowadays is online banking.

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Online banking can be considered as the most powerful tool for people to check out and pay things on their online shopping platform. Nowadays, the evolution of gadget technology makes everything become way more easier and really helps people's lives compared to previous technology which was not really developed yet. One of the improvements that have been made by human beings is online shopping or in other words is purchasing through online platforms. Online shopping is a habit where people nowadays choose to live with it and do it. It is a shifting phase from walk-in to store or window shopping where people go to the store or shop and have a moment to choose the things, to feel the materials and textures, to look at the price as well as to bargain the price with the seller to online shopping which is very time saving whereby people just lay on bed or maybe sit on the couch and scroll down the online shopping applications, choose the things that they wanted, compare the prices and click at ‘buy now’ and pay for it through online banking. This shifting of action due to the improvement of technology actually gives its own pros and cons. However, generally people may perceive it gives more pros compared to cons because it really helps people in their daily life and eases them the most especially to those who are workaholics who barely have time to go window shopping. People just need to click  on something that they want or to buy their necessities, then pay for it and wait for it to arrive home. There are a lot of online shopping platforms that are becoming more advanced nowadays such as Shopee, Lazada, Amazon and so on. This kind of platform provides many benefits to the customers such as offers and promotions, free shipping and membership as it may encourage people to do more online shopping.  Not only that, currently we do have food delivery and e-hailing which is more convenient to those people who want things in a hurry and want to be served as to save more time and not tiring oneself. It requires people to choose, pay and wait only which is very suitable for those who are really busy and need to save energy as it is. not really use the energy. Besides, such technology can be used to accomplish a number of everyday functions, like banking and bill payment. Today's civilization is more advanced the more sophisticated the technology is. Wealthy nations have good financial management practices. As we move closer to the advancement of nation, Malaysia has improved its financial management. Online tax payments are available to Malaysians. The advantages of paying taxes and bills online include time savings, ease of use for Malaysians, and promotion of timely and trouble-free payments. For instance, some individuals choose to use the Maybank2U option to pay their taxes or settle debts. To finish the payment, we only need to decide whether to use Maybank2U or another method. We can pay our bills, taxes, and bank fees more easily thanks to the advancement of science and technology. Since we desire a thousand forces, not a thousand justifications, we must fulfill our obligation by covering those costs. Consider this, what would happen if Malaysians were not exposed to internet usage? Naturally, Malaysia's growth either progresses slowly or not at all. To sum up, we should value the technology’s usage by using it for practical tasks like banking and bill payment.

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The experiences of those who are born with technology and those generations who are watching the progress of the advancement of technology and shifting their lives are totally different. As for my mom, she experienced a lot of new things coming into her life, especially technology. She was born with a very vintage and traditional-styled television and had no Internet during her childhood era. She experienced using a flip phone which can be used only for calls, text messages, to play games and to capture photos until she can use a touch screen phone that requires Internet if you want to play social media and to surf the websites. Since my mom is a home baker, online banking is an important thing that she will use every single day. She needs to have this kind of technology because she needs to deal with payment of her cakes and pastries as well as purchasing bakery stuff from online stores or physical stores. She generates her income by doing home bakery business where she sells a lot of customized cakes and pastries like cheese tarts and brownies. She operates her job by accepting the order from the customers, then asking for deposits first which requires customers to pay half price of the order in order to make sure it is not a scam or the customer lies to her because baking cakes involves money and ingredients. After that, she will proceed to bake the order and get everything done and ask the customer again to pay for another half of the price. This involves online banking where she shares her bank account details to make sure the customers pays for her work. Besides, she also uses online banking to save her money for her own savings and for her initial money to roll the surplus money for her business. Moreover, there is no need for her to carry cash with her if she delivers the goods to the customers or to buy things from the shops or stores. This major shift in her life eases her the most as there is no need for her to go to the bank anymore in order to save her own savings. At first, she felt very awkward to use online banking as she did not really know how it functions and how it works. Her friends are the main influence that leads her to know more about technology, especially online banking. Before she started her business, she was an electronic engineer who worked with a Japanese company. At first, she only used online banking for saving her own money before starting the business which she had zero knowledge about online banking and only knew if online banking is a platform where her wages were being put in and saves half of her wages. The challenge for her as an older generation when it comes to the use of such service is the shifting phase where she has zero knowledge about it. She needs to study about the technology such as how to use touch screen phones and online banking in order to go align with the advancement of science and technology. She said that she got many benefits when she involved herself with technology. Its accessibility is one of its most evident benefits, which will undoubtedly simplify things for her. Saying goodbye to a bulky wallet and eliminating the need to calculate balances is possible with cashless payments, particularly for individuals who struggle with mathematics and are concerned about running out of cash. She may effortlessly make payments anywhere, at any time, with just a tap thanks to electronic payment methods like internet banking. Cashless payments are incredibly convenient for paying bills, dining out, and shopping. Besides, the security advantage of cashless transactions such as online banking over cash payments is another advantage. While carrying a lot of cash puts her at risk for loss and theft, digital transactions include several security levels, biometric identification, and fraud detection tools. Additionally, she can freeze her account with the bank or service provider if her card is lost or stolen, protecting her savings. It is evident that this cashless transaction can both satisfy her and reduce theft. However, by using online banking it may avoid the card from being stolen.

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My experience of using chosen technology which is online banking might be differ from my parent due to the fact that we are not in the same generation and era. According to my personal experience, as I considered myself as a part of generation Z, I use online banking for every single day especially when I want to pay for my things that I purchase through online platforms such as Shopee and Tiktok. Besides, I also use it whenever I want to pay for my hostel fee as well as academic fee and compound. There’s no need for me to go to the office or service centre in order to pay for my every semester’s commitment. Besides, whenever I feel so hungry I will order food either from runners around my university or from food runner applications like Foodpanda, Grab or Shopee food. By clicking on the meal that I wanted then paying with online banking, there was no need for me to walk to the cafe or shop just to grab some food and I do not need to cook anything from scratch which is very time consuming. Not only that, this kind of application also offers to send us groceries. I usually use this type of service whenever I need something in the cheapest option as well as some food that can last for a long time like bread, egg and tortilla wrap. Online banking is really saving my life as it helps to ease my life the most. My mom is the person who introduced me to this technology. The first time that I saw her using it was during my secondary class where I asked her how come she can buy it but there was no need for her to walk into the store because I barely saw her go to the shopping mall. Then, she explained that she used online banking where at that particular time, she just knew about it and bought her first thing using online banking. My thought at that moment was I really wanted to get into the adult era and own a bank account as well as register for my online banking. It is because I really love to go shopping and shopping online is way cheaper compared to physical stores. The challenges that I faced might be slightly differ with my mom as I know about online banking earlier compared to her. The challenging part is when the Internet connection is not okay, I cannot pay for the things that I really need at that time and I cannot pay for it. This is the main problem when it comes to applications or services that involve gadgets where the Internet is the main source to connect. I did not feel many challenges that I encountered as I was already born with good technology and being introduced to it and getting exposed to it at an early stage of life.

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Even though there are many advantages of online banking that my mom and I can benefit from , there are also disadvantages that impacted me and my mom the most and this is going to be the point that our lives really need changes. Firstly, I think online banking really help to ease my life as well as my parents’ lives however we are too depend with the online banking and online shopping until at some point we did not want to go to the shopping mall or physical store to buy the things that we want and end up the things that arrived were saddened us as it was not match with our expectation. Step that can be taken by me and my parents is sometimes to walk into the store is a need because it can help to satisfy our expectations. For instance, when buying shoes, it is common for consumers to go to the store and try it first as well as feel the materials and textures, this can help the consumers to purchase something with satisfaction and meet their expectations. Besides, walking into the store also helps to strengthen the relationship between family members and siblings by having some family time and chatting with each other when we stop by. Next, having online banking really made us to be so extravagant in shopping. Shopee and Tiktok always offer the consumers lots of promotions such as free shipping and discounts at certain times. This can really attract the consumers to continue shopping with them. However, as a consumer, this can be seen as extravagant and wasteful especially when the consumer purchases the unwanted and unnecessary things as they know it is cheaper that normal day. This also can be called impulsive buying. With the existence of online banking that only requires us to touch the phone screen and key in the password, impulsive buying becomes like a habit among us. This needs to be changed as Islam prohibits us to be extravagant and wasteful and needs to be simple in everything that we do. Besides, the next habit that we need to change is laziness. With the advancement of technology that introduced online banking, it may lead people to be more lazy. I was too lazy to buy food from the cafe and I just only ordered everything from online shopping applications. This might hinder me from putting effort into getting things and this also may lead me to not have enough pocket money as I always pay for the service fee of the runner which will cost me around RM4 and above, not including the food itself yet. Not only that, the laziness that I face may hinder me from watching the view and scenery and having the feeling of going outside, choosing the thing that I want, touch and feel the materials and textures and choosing which one is better. This favor should be used well.

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In conclusion, the advancement of technology have significantly altered our way of life. We have the entire world at our fingertips, even if we never leave our homes. We ought to be appreciative and make the most of every resource brought forth by science and technology. Lately, adjacent nations like Indonesia and Singapore have effectively generated technology-driven businesses and drawn notable international investors like Google to participate in their markets and nations. This indicates that we are lagging behind. In order for the nation to sit as low and stand as high as other developed nations, all parties must work together to identify the optimal method. It is hoped that the planned efforts would be implemented in order to steer the nation towards a magnificent, glorious, and renowned course. Although the idea of online banking and Internet purchasing may have appeared unstable and unrealistic a few years ago, it is now frequently used. But, as a wise consumer, you are recommended to exercise caution while making purchases online because certain dubious individuals, such con artists, may use this chance to benefit. In order to avoid being easily tricked, users need to be smart and select a reliable shopping site before doing any online purchases. For those in need of extra cash, this technological advancement has also created prospects for part-time businesses. Initiatives to support the growth and development of online traders should be introduced by the appropriate parties. Furthermore, the advancement and utilisation of internet technology in the nation are aided by the nation's improved telecommunications infrastructure. It is hoped that all social groups and individuals are prepared to express their ideas in order to deal with the business and economic trends of the new millennium.