1. Usage
1.1. Cheque
1.2. Credit card
1.3. paypal
1.4. Octopus Card
1.5. E-banking
2. Introduction
2.1. Definition
2.1.1. Non-physical money that only exists in the banking system
2.2. Background/History
2.3. Invention
3. Development
3.1. Future
3.1.1. ???
3.2. Now
3.2.1. Promotion
3.2.2. Education
3.3. Past
3.3.1. technology improvement
4. Characterlistic
4.1. Advantage
4.1.1. Convinience
4.1.1.1. Easier to handle the currency problem
4.1.2. General Public
4.1.2.1. No need to carry cash/coins
4.1.3. Government
4.1.3.1. Easier to collect tax ( the history of transactions are recorded
4.1.4. Firm/Merchant
4.1.4.1. Decrease operating costs
4.1.5. Environmentalist
4.1.5.1. Save paper, more environmentally friendly
4.2. Disadvantage
4.2.1. Privacy problems
4.2.1.1. The electronic money company handles the information about their users which might be dangerous for protecting personal information
4.2.2. small shops have not enough equipment to support
4.2.2.1. Shops need to be ready to handle with both electronic money and cash
4.2.3. Crime problems
4.2.3.1. No proper security regulations set on
4.2.4. Technological failure
4.2.5. Heavy reliance on server to maintain the function of transactions, technological failure could delay the process and cause social problems,