The example that I would to share here is the thing that I have been doing for every month which is paying my phone bill via DIGI apps.
I can either pay my phone bill through DIGI website or DIGI apps but it is more convenience to pay via apps since I bring my smartphone with me almost all the time. So first you will need to have the apps or My Digi apps from apple store or android play store. Then the apps will detect your number and give you option to continue with the number or not..
Then you will log to you your account and able to see details as per below image. Please click on Pay bills icon and you will arrive at Payment/Reload page where you will be able to see your account details. According to below image I have an outstanding of RM 157.04 and I choose to make payment you you can see the m-commerce process flow. So, I click on Continue button.
Then I will be directed to payment section where I have option either to pay by credit card or others option. Since this is not my first time paying bill through this apps using my credit card, they already have some of my credit card information except the CVC/CVV2.
Once I click to proceed with the payment, the system will send the data or application to your respective banker ePay system.
Then the bank will ask to key in secure ePay code that they sent to your mobile phone to prove that you are the one who apply for the transaction as part of IT security measure.
After you key in the code and choose to proceed, the bank will processing your payment.
Once completed, DIGI system will send you sms for your payment confirmation. The DIGI apps will acknowledge that the Payment is Successful.
On top of sms, DIGI will send you email for the receipt.
The payment is fast and reliable (depend on your internet connection). It save a lot of time and eco friendly due to paperless receipt.
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