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      <title>MKTG 220 DM DIGITAL DRIVERS by Patricia Lui</title>
      <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3</link>
      <description></description>
      <language>en-us</language>
      <pubDate>2017-01-09 12:57:40 UTC</pubDate>
      <lastBuildDate>2020-02-04 00:29:08 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
      <image>
         <url></url>
      </image>
      <item>
         <title>CROWDSOURCING - MOOC</title>
         <author>patricia_lui2</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/145967294</link>
         <description><![CDATA[<div><strong>How can the MOOC model be applied in tuition centres / enrichment class business in Singapore / the region?  <br></strong><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-09 13:29:46 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/145967294</guid>
      </item>
      <item>
         <title>NFC - CONTACTLESS PAYMENT</title>
         <author>patricia_lui2</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/145970713</link>
         <description><![CDATA[<div>fIt looks like Apple Pay / Android Pay will change the way people pay using digital wallet. Why  do banks want retailers to use Apple Pay / Android Pay?  How will it change buyer behaviour?  </div><div>List a few reasons for contactless payment</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-09 13:40:06 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/145970713</guid>
      </item>
      <item>
         <title></title>
         <author>erina_tan_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146640</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:02:05 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146640</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146721</link>
         <description><![CDATA[<div>- Reduce reliance on cash<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:02:44 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146721</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146793</link>
         <description><![CDATA[<div>Increase card transaction</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:03:31 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146793</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146796</link>
         <description><![CDATA[<div>Increase card transactions<br>More Credit card holders<br>Advertising<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:03:32 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146796</guid>
      </item>
      <item>
         <title>Increases convenience </title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146822</link>
         <description><![CDATA[<div>more payment options</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:03:59 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146822</guid>
      </item>
      <item>
         <title>Reasons to Cashless Payment</title>
         <author>jy_foo_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146832</link>
         <description><![CDATA[<div>1. Increase transaction volume<br>2. Reduce dependence on physical credit and debit cards<br>3. Reduce overheads for the bank by eliminating the cost of manufacturing cards</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:04:04 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146832</guid>
      </item>
      <item>
         <title></title>
         <author>yirong_tan_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146900</link>
         <description><![CDATA[<div>- Take a small cut from transactions. Though small percentage, but very large volume<br>- Understand consumer purchasing behaviour<br>- Encourage impulse purchase and subsequently moving to larger ticket items and finally introduce loans to them</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:05:04 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146900</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146936</link>
         <description><![CDATA[<div>Consumers will think less when purchasing as it is easier</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:05:30 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146936</guid>
      </item>
      <item>
         <title>Reduces likelihood of customers backing out of purchases </title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146976</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:06:07 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146976</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146991</link>
         <description><![CDATA[<div>More secure ways of payment for customers<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:06:18 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146991</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146992</link>
         <description><![CDATA[<div>Remove the hassle to take out cards from their wallets</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:06:19 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146146992</guid>
      </item>
      <item>
         <title>Reasons</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147005</link>
         <description><![CDATA[<div>Banks can earn from the interest when users fall into DEBT<br>It make people purchase more easily and they do n<br>Entice</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:06:32 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147005</guid>
      </item>
      <item>
         <title></title>
         <author>jsong_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147008</link>
         <description><![CDATA[<div>- Buyers no longer have to carry credit cards with them to make a purchase<br><br><br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:06:32 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147008</guid>
      </item>
      <item>
         <title>Changing behaviour</title>
         <author>erina_tan_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147031</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:06:56 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147031</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147078</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:07:42 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147078</guid>
      </item>
      <item>
         <title></title>
         <author>jsong_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147096</link>
         <description><![CDATA[<div>Banks may no longer have to issue a physical card in the future</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 01:07:59 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146147096</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151664</link>
         <description><![CDATA[<div>The MOOC model may work as an alternative to tuition centres for students who require additional (general) revision but it may not work for students who require personalised coaching on targeted topics.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:24:05 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151664</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151684</link>
         <description><![CDATA[<div>Depends on the education level - For the younger kids, it may not be effective (lower attention span)</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:24:14 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151684</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151693</link>
         <description><![CDATA[<div>Motivation would be an area that needs to be look into because, from the video we could see that the guy has the drive to attend the courses However for tuitions classes, if they are conducted online, students might be "present" but they might be doing other things online. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:24:20 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151693</guid>
      </item>
      <item>
         <title></title>
         <author>jt02ster</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151712</link>
         <description><![CDATA[<div>May be easier for higher level education, where abstract concepts can be easier communicated online. Also depends on type of enrichment - whether it is learning based or skills based (MOOC may be less effective for skills).</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:24:32 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151712</guid>
      </item>
      <item>
         <title>Offer different level of difficulty</title>
         <author>dcsim91</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151715</link>
         <description><![CDATA[<div>The MOOC model can be used to offer courses of various levels for people with different stages of knowledge on a particular subject (e.g. Introductory, Intermediate, Advanced etc).</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:24:36 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151715</guid>
      </item>
      <item>
         <title></title>
         <author>dare_to_be_thyself</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151736</link>
         <description><![CDATA[<div>Will be helpful in the introduction of new and difficult concepts (through diagrams/videos) so that students can learn it before class time </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:24:49 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151736</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151747</link>
         <description><![CDATA[<div>may be beneficial for slow learners- can control the pace of lessons;<br><br>flexible schedule around a student's timetable<br><br>more affordable <br><br>good for those with health conditions or who face physical disability as being physically present for a class may be difficult</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:24:56 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151747</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151783</link>
         <description><![CDATA[<div>For those who wants to enrich themselves and spend their free time/ those with disability, they can do online courses that doesn't require physical presence -- Courses more on the technical side that does not require any particpation</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:25:39 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151783</guid>
      </item>
      <item>
         <title></title>
         <author>dennis_ang_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151800</link>
         <description><![CDATA[<div>Depends on the subject and the difficulty of learning it</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:26:00 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151800</guid>
      </item>
      <item>
         <title></title>
         <author>dare_to_be_thyself</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151840</link>
         <description><![CDATA[<div>Would benefit teachers in tracking their students' progress levels more effectively as students may have differing learning capabilities</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:26:48 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151840</guid>
      </item>
      <item>
         <title>live streaming</title>
         <author>yirong_tan_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151844</link>
         <description><![CDATA[<div>- ability to have Q&amp;A like a a regular tuition class<br>- students have control over when to watch them<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:26:53 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151844</guid>
      </item>
      <item>
         <title></title>
         <author>dcsim91</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151848</link>
         <description><![CDATA[<div>The model offers working class the opportunity to learn and upgrade themselves at their own pace amidst their busy schedules.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:26:57 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151848</guid>
      </item>
      <item>
         <title></title>
         <author>yiling_tan_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151851</link>
         <description><![CDATA[<div>It might be a cheaper and more convenient alternative for the less privileged children in Singapore who are unable to afford the high tuition fees in Singapore <br><br>In addition, MOCC allows the flexibility of learning according to their own pace/time restrictions </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:27:01 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151851</guid>
      </item>
      <item>
         <title></title>
         <author>jsong_2013</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151902</link>
         <description><![CDATA[<div>- Applicable but when students have questions they might find it difficult to ask questions<br><br>- Fixed learning materials might not encourage creativity and thinking out of the box</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 02:27:54 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146151902</guid>
      </item>
      <item>
         <title>CROWDSOURCING - MOOC</title>
         <author>patricia_lui2</author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146156002</link>
         <description><![CDATA[<div><strong>How can the MOOC model be applied in tuition centres / enrichment class business in Singapore / the region?  <br></strong><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 03:47:16 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146156002</guid>
      </item>
      <item>
         <title>By collaborating with Apple Pay/Android Pay, they can encourage more users to adopt their products and services.</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159578</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:08 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159578</guid>
      </item>
      <item>
         <title>Advertisers can offer incentives to consumers to adopt the usage of cashless payments</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159583</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:10 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159583</guid>
      </item>
      <item>
         <title>To increase the propensity for users to use the card by making it more convenient.</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159599</link>
         <description><![CDATA[<div><br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:35 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159599</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159600</link>
         <description><![CDATA[<div>Increase convenience for consumers so they are more likely to purchase, driving credit card usage<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:36 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159600</guid>
      </item>
      <item>
         <title>Nothing Physical</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159605</link>
         <description><![CDATA[<div>On my experience, I'm always afraid of losing my debit card, so this tool would make me use it more and I'm sure the bank want me to use it more</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:40 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159605</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159606</link>
         <description><![CDATA[<div>A more seamless and fuss free purchasing method will invite more people to make use of credit cards or increase credit card usage</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:43 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159606</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159607</link>
         <description><![CDATA[<div>Save costs on physical cards, don’t need to keep issuing or reissuing, if its loss or stolen don’t have to cancel and reissue, can just do it online (helpful when traveling too)</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:45 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159607</guid>
      </item>
      <item>
         <title>They will be able to attract more consumers to use their product and services. </title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159610</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:49 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159610</guid>
      </item>
      <item>
         <title>Credit Card Purchases</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159616</link>
         <description><![CDATA[<div>To induce more credit card purchases and hence the opportunity to earn money from interest payments</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:56 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159616</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159620</link>
         <description><![CDATA[<div>cash is dangerous<br>- fraud<br>- dirty<br>- theft</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:51:57 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159620</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159630</link>
         <description><![CDATA[<div>Increase convenience<br>Increase impulsive buying<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:52:07 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159630</guid>
      </item>
      <item>
         <title>Banks can better track consumption patterns and create credit card offers </title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159632</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:52:11 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159632</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159641</link>
         <description><![CDATA[<div>It make people purchase more easily as the process is fast and convenient, they juste </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:52:35 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159641</guid>
      </item>
      <item>
         <title>NFC</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159650</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:52:43 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159650</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159652</link>
         <description><![CDATA[<div>Customers can complete their payment fast, reducing the queue timing and hence improving customer satisfaction. Brand will also be perceived as innovative and trendy.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:52:44 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159652</guid>
      </item>
      <item>
         <title>Convenient for buyers thus they would purchase often. The incentives given by using the contactless payment will encourage consumers to purchase</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159657</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:52:49 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159657</guid>
      </item>
      <item>
         <title>Convenient</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159665</link>
         <description><![CDATA[<div>Banks will no longer have to issue physical cards </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:52:59 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159665</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159669</link>
         <description><![CDATA[<div>Can enhance security with biometric touch ID authentication</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:53:07 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159669</guid>
      </item>
      <item>
         <title>Reason</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159674</link>
         <description><![CDATA[<div>Entice people to sign up for their credit/debit cards because of the added unique incentives retailers they partner up with offer. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:53:14 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159674</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159702</link>
         <description><![CDATA[<div>Buyers may slowly turn to using credit cards as their main mean of payment of goods as it is seemingly more convenient then using cash.</div><div><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:54:13 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159702</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159706</link>
         <description><![CDATA[<div>Increased ease of use as well as lower costs in the long run</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:54:27 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159706</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159733</link>
         <description><![CDATA[<div>Do away with administrative costs for issuing card / renewing card<br>Cash can be counterfeit<br>Consumer data already collectable upon purchasing &gt; Targeted Investment plans<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:54:56 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159733</guid>
      </item>
      <item>
         <title>Data</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159763</link>
         <description><![CDATA[<div>Containing all your payments to an online platform allows retailers access to your past purchase information in order to gain insight into their consumers and to tailor more personalized promotions.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:55:34 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159763</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159767</link>
         <description><![CDATA[<div>Convenience for the customer, which causes engagement, generating profit <br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:55:35 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159767</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159775</link>
         <description><![CDATA[<div>Push down fees being charged by banks for CC transactions</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 04:55:45 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146159775</guid>
      </item>
      <item>
         <title>Flexibility for working adults, parents who needs to take care of children, people with special needs. Not denying people of chances to learn and improve themselves.</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163473</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:09:27 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163473</guid>
      </item>
      <item>
         <title>Transport</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163482</link>
         <description><![CDATA[<div>If you are unable to attend do the tuition center because of long distances, with the MOOC model this could be avoided.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:09:35 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163482</guid>
      </item>
      <item>
         <title>Lower quality</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163494</link>
         <description><![CDATA[<div>increase in user base. Which can be a problem, with inputs of content from a large community higher chances that such content produces lower quality lessons due to the open nature of MOOC<br>. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:09:55 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163494</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163496</link>
         <description><![CDATA[<div>Good for self-motivated individuals.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:09:56 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163496</guid>
      </item>
      <item>
         <title>Support for gifted learners</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163499</link>
         <description><![CDATA[<div>Many students are held back by the inadequacy of classmates and a culture of learning only as fast as the classroom can follow - so gifted learners can supplement their education with advanced courses online</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:09:59 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163499</guid>
      </item>
      <item>
         <title>Good for courses that do not require much participation or interaction</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163501</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:10:01 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163501</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163505</link>
         <description><![CDATA[<div>Past lessons can be recorded and accessed by students. Allows tuition centres to reach overseas crowd e.g. English lessons for students in China, India etc</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:10:04 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163505</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163509</link>
         <description><![CDATA[<div>beneficial for students who are capable of self-learning e.g. home schooling, tertiary students and so on<br><br>however, there is a need for an active discussion portal for individuals to pose questions (2-way learning)</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:10:08 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163509</guid>
      </item>
      <item>
         <title>Better legitimacy of lessons</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163520</link>
         <description><![CDATA[<div>Classes can now be based on lessons from universities/credible learning institutions, making the lessons more legitimate. Tuition teachers can be there to answer queries should there be any, making the learning experience even better.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:10:18 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163520</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163522</link>
         <description><![CDATA[<div>efficient, convenient<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:10:20 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163522</guid>
      </item>
      <item>
         <title>Supplementary Classes</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163539</link>
         <description><![CDATA[<div>MOOC classes can act as additional material on top of existing tuition classes. Or as trial classes.&nbsp;&nbsp;</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:10:33 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163539</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163543</link>
         <description><![CDATA[<div>Can be used as a form of revision for students who are unable to follow closely during class <br><br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:10:40 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163543</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163560</link>
         <description><![CDATA[<div>Convenient for students to keep up with difficult classes. For example revision of them after class or preparation before the class.&nbsp;</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:10:48 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163560</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163590</link>
         <description><![CDATA[<div>Allows students to learn things not normally taught in classes, for example only one type of programming language is taught in class (Python) but the student wishes to learn Java as well to increase their knowledge on the topic.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:11:03 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163590</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163596</link>
         <description><![CDATA[<div>Control of pace for slow learners</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:11:06 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163596</guid>
      </item>
      <item>
         <title>More diversity in lessons + easy access</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163604</link>
         <description><![CDATA[<div>For students who are self-disciplined, way more convenient because they can work at their own pace and they earn time by not having to go to lectures (for example if they live far away). Moreover, they benefit from a wider choice of lectures and topics, which are also easier to access.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:11:10 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163604</guid>
      </item>
      <item>
         <title>Open mind</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163640</link>
         <description><![CDATA[<div>Help any student discover some classes content before enrolling for them </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:11:33 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163640</guid>
      </item>
      <item>
         <title>MOOC</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163655</link>
         <description><![CDATA[<div>Useful for people with learning disabilities who can re watch and pause the video based on their understanding</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:11:43 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163655</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163676</link>
         <description><![CDATA[<div>Tuition teachers could teach or answer questions remotely and students need not travel to the centre. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:12:03 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163676</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163691</link>
         <description><![CDATA[<div>Different teaching styles to tailor to the different learning needs of students</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:12:13 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163691</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163695</link>
         <description><![CDATA[<div>Allows student to explore various areas of interest in the courses available.<br><br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:12:15 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163695</guid>
      </item>
      <item>
         <title>More suitable for older kids</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163710</link>
         <description><![CDATA[<div>Learning online requires self discipline, so MOOC classes will be more suitable to JC, Poly or upper sec age. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:12:26 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163710</guid>
      </item>
      <item>
         <title>Additional Materials on TOP of planned content</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163717</link>
         <description><![CDATA[<div>They have to be recognised 1st. As part of a legitimate education qualification<br>Secondly, the Courses can include content that is For further learning or lengthier explaination on trickier parts of the in-class content</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:12:29 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163717</guid>
      </item>
      <item>
         <title>Increase accessibility of affordable education for rural region </title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163730</link>
         <description><![CDATA[<div>Such courses are able to make education available for students in the rural region who are unable to attend schools with financial difficulties. </div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:12:38 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163730</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163752</link>
         <description><![CDATA[<div>Can be a cheaper alternative to face-to-face tuition</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:12:50 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163752</guid>
      </item>
      <item>
         <title>Usefull for people with disabilities</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163762</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:13:01 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163762</guid>
      </item>
      <item>
         <title>Useful for people with disabilities</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163765</link>
         <description><![CDATA[<div><br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:13:03 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163765</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163773</link>
         <description><![CDATA[<div>Give students access to expensive teachers that are in high demand. Also makes education for affordable and available for all</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:13:10 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163773</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163785</link>
         <description><![CDATA[<div>Students will be able to learn regardless of where they are as long as they have internet access (convenience)</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:13:17 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163785</guid>
      </item>
      <item>
         <title></title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163791</link>
         <description><![CDATA[<div>Easier online written participation for students who find it difficult to talk in class.</div>]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:13:20 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163791</guid>
      </item>
      <item>
         <title>Too digitalized, it discourages discussions between individuals that may spark more learning</title>
         <author></author>
         <link>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163802</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2017-01-10 06:13:27 UTC</pubDate>
         <guid>https://padlet.com/patricia_lui2/aa1w31f0kfe3/wish/146163802</guid>
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