Archives For Octopus Payment System

Our government cannot implement changes within each of its many departments, which is why we are lagging behind our Asian counterparts.  It is because each individual, especially those who are in the higher chain of command, has each their own agenda.  Changes that is crucial for the country to grow are being hampered, as it might prove to be a money losing option for the departments management.  Each one is in it to enrich himself/herself, no one is looking for the benefit of the country, and for the improvement of the lives of millions of Filipinos, impoverished or otherwise.

Why can’t we copy or duplicate the methods used by other countries in implementing changes that would improve the lives of its citizens? Do not think of it as not being original, or plagiarizing, but think of it as improving the lives of every Filipino.

In Hong Kong, the Mass Transit Railway is controlled by the government, and so is the payment system that it uses, the Octopus Card.  They have proven and shown that the business is sound and profitable earning the government billions of dollars in revenue, while at the same time creating a clean, convenient, and comfortable mass transport and payment system, that has been a great factor in improving the lives of its citizens.  Why can’t we adopt their system, and duplicate it here? What is stopping us?

Why are our airports dilapidated and in shambles? Where has all the money that has been invested into it go? Why do we need too many terminals? Can’t we create one mega terminal to service all of the flights? This would eliminate unnecessary employment to numerous individuals, who sometimes do nothing, and just sit around, beefing up their pockets? Why can’t we copy Hong Kong (again), and the way it runs its airport? Their airport and ours are so far apart.  The only difference I see here is because the head of the governments, compliment and continue what the previous head of government has done, unlike here, the new one undermines and destroys the good that the previous one has done.  Don’t they know that these improvements would have bettered the lives of the millions of Filipinos?

Why are our mass transport systems unstructured and in shambles? Why are there numerous buses who are old, and dilapidated that still ply the streets, which breakdown, create traffic, and causes accidents? Why are their franchises renewed time and time again, and are not revoked even if their buses have cause numerous accidents, and unnecessary deaths? Why are there so many taxis, jeeps, tricycles, and other forms of mass transport franchises that are approved, even if the streets are littered with them, who do not have passengers?

Why does the government not install solar powered lights or provide solar energy to those affected by disaster, and isolation, even if it takes years for the energy providers to repair or install light or power? Why does the government wait and see, and not help improve the plight of the Filipinos? Are they afraid that power generators/energy suppliers complain? They can remove or pull out these improvements, when they have repaired or installed light or electricity, and simply transfer or reuse them again when the need arise.

I am not one to complain, but I have seen enough suffering and not enough action, that it has left me wondering and disgruntled by the inept and inaction that our government is doing.  When can we be proud? When can we say that our lives have improved? When will our descendants see the day that our beloved Philippines, is at par with the rest of the world, or at least with its Asian neighbors?

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Future Payment Systems

March 4, 2013 — 1 Comment

The advent of technology has indeed brought us forward by leaps and bounds.  I am tackling the payment systems.

Before we were used to pay with our credit cards.  They swipe it in a terminal, wait for the confirmation code, print, and ask us to sign.  We thought this was hi-tech already for its time.

Then came the Octopus card of Hong Kong, which looks like a credit card, but does not function like one.  You do not need to sign anything. What you do is choose what you would like to buy, the cashier punches your order/items, then you tap in a terminal, and that’s it.  Instantaneous.  It is a reloadable cash card, which can be used for mass transport such as buses, trams, ferry, and the MTR.  It is also accepted as a payment option for McDonalds, Wellcome Supermarket, Watsons, Park & Shop, etc.  The only disadvantage is when you lose this card, it will remain lost, as there is usually no identifying marks or identification on the card itself to prove that it is yours.  Unless you have it personalized.  But cashier seldom check the legality of the card holder.

Then came the “swipe less” or “pay wave” credit card.  This is still a credit card, and can still be used as a normal one, wherein you swipe it and get the confirmation code.  But it can also be used almost similar to the Octopus Card System, wherein you just need to “tap” or “wave” your card in front of a reader and the charges will be debited to your credit card.

Now the more modern payment options are as follows.  In countries such as Japan, all you need to do is “wave” or “tap” your mobile phone to a reader, and the reader confirms your account, and the charges will be billed to your mobile phone bill.  Other countries are adopting such method such as U. S. A., wherein Visa International and Master Card International are developing such technologies, wherein your smart phone can store your credit card details, and all you need to do is let a machine or device read the “bar code” or “QR code” from your phone, and the charges will be billed to your credit card.

It was even touted that there would come a time, when we “humans” will be implanted with a microchip, that can be read by a scanner or a machine, and it would instantly know our medical backgrounds, such as our illnesses, medicines being taken, allergies, etc.  It can also store your social security ID, your driver license details, your home address detail, your business details, your work details, etc.  And it can definitely store your credit scores, credit background, and credit card details as well.  So in the near future, all you need to bring is yourself.  Just go to a supermarket, choose what you need, proceed to the payment counter, and get your goods.