Student portfolio by RABIATUL DAMIA LUTFIAH BINTI JAMALUDDIN IPG-Pelajar

CASH PAYMENT

2025-03-19 04:59:17 UTC

Experience:
Last week, I bought snacks at the school canteen using cash. I had to count the money and check if I received the correct change.

Advantages:
✅ Easy to use
✅ Helps in controlling spending
✅ No extra charges

Challenges:
❌ Need to carry cash, which can be lost
❌ Sometimes, not enough small change available

Reflection:
Using cash helps me understand the value of money better, but I have to be careful not to lose it.

DEBIT CARD PAYMENT

2025-03-19 04:59:53 UTC

Experience:
When I went to a bookstore with my parents, we used a debit card to pay. My father entered a PIN, and the money was deducted from his bank account.

Advantages:
✅ Safe and convenient
✅ No need to carry a lot of cash
✅ Can track spending through bank statements

Challenges:
❌ Requires a bank account
❌ Cannot be used without money in the account

Reflection:
Debit cards make payments easier, but I must be responsible and check the balance before using them.

E-WALLET (QR CODE PAYMENT)

2025-03-19 05:00:13 UTC

Experience:
I used an e-wallet (Touch ‘n Go) to buy a drink at a convenience store. I scanned the QR code, and the payment was completed instantly.

Advantages:
✅ Fast and easy
✅ No need to carry cash
✅ Can get discounts and cashback

Challenges:
❌ Requires internet connection
❌ Needs a smartphone and e-wallet balance

Reflection:
E-wallets are very convenient, but I must ensure my phone has enough battery and internet access.

ONLINE BANKING (BANK TRANSFER PAYMENT)

2025-03-19 05:00:41 UTC

Experience:
Last month, my parents helped me transfer money to buy an online learning course. We used online banking to send money from our bank account to the seller’s account.

Advantages:
✅ Can be done anytime and anywhere
✅ Safe and secure with password protection
✅ No need for physical cash

Challenges:
❌ Requires internet access
❌ Might take time for the transaction to be processed
❌ Risk of scams if not careful

Reflection:
Online banking is very useful for transferring money quickly, but I must ensure that I am sending money to a trusted person or company.