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Mary Ann Christine R. Baltazar et.al. |
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Familiarity of Bank Account Holder on Security Features: Implications in overcoming fears on security issues in electronic banking / / |
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Mary Ann Christine R. Baltazar; Siegfried J. dela Cruz; Dan Dominic E. Inalves; Ivory C.manio; Harra Princess P. Montances; Terence P. Sopelario and Gladys L. Villareal. |
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September 2014.46 |
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28 cm. |
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110 pp. |
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Undergraduate Thesis (BS in Business Administration major Financial and Treasury Management) - Pamantasan ng Lungsod ng Maynila, 2014. |
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56 |
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ABSTRACT: Statement of the Problem: This study determined the familiarity of bank account holder on security features of electronic banking. It answered the demographic profile of the bank account holder who used electronic banking. It also seeks to know the familiarity of bank clients on security features and the extent of familiarity of bank clients on security features. It also seeks to know the level of confidence of the clients on the security features in availing transactions through electronic banking. Research Design: The researchers used descriptive method of research in order to illustrate the familiarity of bank accountholders on the security features of electronic banking facilities. The method was applicable to the study as it gives better and deeper understanding of the target subject through analysis and interpretation of the data gathered in the study. It will clearly define and determine the factors affecting the security issues of electronic banking. Further, descriptive method is a purposive gathering, analysing tabulating and classifying data about prevailing conditions and processes which is needed in the study. Determination of Sample Size: By using random sampling, the researchers select respondents from the population via random numbers. The researchers used Slovene's formula for the large sample size. Sampling Design and Technique: Referred to Sirug (2011), random sampling was applied where the researchers based on the selection of the sample on population size via random picked of mall shoppers inside SM, Manila. The Subjects: The stakeholders which are the respondents of the study are the bank accountholders of different banks. In order for the researcher to have brief background, the researchers conducted interview with Mr. Andro Leo Beltran, Senior Manager of Asset Management and Trust Services Group and Ms. Leah Felizardo, Assistant Vice President of BPI to give the researchers insights of the study. The Survey questionnaires were given to those bank clients who avails the product and services through electronic banking facilities of banks. Convenience approach was used in the case of the interviewee and the distribution of survey questionnaires. Research Instrument: In getting data for analysis, the instrument or tools used in research as basis for drawing conclusions or making inferences are the following: Interview: Through this method, the researchers were not only equipped with the most reliable and accurate information about BPI but also allowed to fully understand the security regulations and features of electronic banking facilities given. Likewise, a purposive interview method was conducted to have in-depth comprehension of security features e-banking system. The respondents for the interview were one of the bank's employees, in-charge in the electronic banking system since they are familiar in the regulations of the company's e-banking system. For the interview, the researchers constructed several question to receive a desired answer that is necessary in solving a specific problem. This is where data gathering occurs by asking questions for much needed information from the interviewee verbally and directly. Questionnaire: The questionnaire was the principal instrument used in this study, a questionnaire is a printed self-report from designed to elicit information that can be obtained through the written responses of the subjects. The information obtained through a questionnaire is similar to that obtained by an interview, but the questions tend to have less depth. The questionnaire that was used in this study was designed to obtain information on the familiarity of bank account holders on the security features and overcoming fears on security issues in electronic banking. A list of alternative responses was provided for the respondents to choose which best suits their idea. Also, almost all the questions are closed-ended and used Likert type of scale to give the respondents the opportunity to impact their own ideas and answers. Validation of the Research Instrument: Through books, journals, researches, and other reading materials, the researchers used self-made simple questionnaires and draft was shown to the adviser and the research panellists for comment, suggestion and approval. Comments and suggestions from BPI, the defense panel and the adviser were also incorporated for final draft. In addition, the researchers conducted initial testing for the survey questionnaires, to test whether the survey forms are effective or not. Data Gathering Procedure Prior to the conduct of the study, the researchers chose BPI as a basis point of view in terms of knowing the security measures and features on online banking transactions. The researchers went to SM Manila and waited from 10:03 a.m. until 11:00 a.m. to gather population. The researchers got a total of 1,453 people, through Slovene formula the researchers came up with a sample size of 314 respondents and selected SM food court to get the computed sample size and to conduct the survey. The researchers informed the respondents about the purpose of the study and assured them of the confidentiality of their answers. Distribution and retrieval of survey questionnaire was done according to the availability of the researchers and respondents. Data Processing Method: After collecting the data and have been categorized and arranged, the researchers tabulated the data by using frequency distribution for the data regarding the categorical and ordinal level data of the survey questionnaires. The data gathered were analysed. The researchers made an evaluation on the familiarity of the bank accountholders on the security features of different electronic banking facilities which is an implication in overcoming fears on security issues in e-banking. The responses were categorized based on their familiarity on the security features provided in each electronic banking facility, the frequency of transactions via electronic banking and lastly, based on the respondents level of confidence on the security features of electronic banking facilities. Statistical Treatment: The statistical treatment that the researchers used are based on the nature of the statement of the problem, particularly the specific problems as well as the type of data gathered. The researchers used frequency and percentage distribution which identified the total number of observations as well as the percentage of each item by dividing it with the total number of respondents to capture parts which represents the whole. The formula to use for the statistical treatment is: P=f/n x 100 Wherein: P - Percentage, F- Frequency , n= Total number of the respondents The researchers also used Arbitrary scale for the researchers will easily determine and interpret the level of familiarity as well as the confidence of the respondents. 5-Extremely Familiar/confident 4-Highly Familiar/confident 3-Familiar/confident 2-Slightly Familiar/confident 1-Not at all/confident To be able for the researchers to test whether to accept or reject the null hypothesis of the study, the researchers used Chi-square test of independence which random sample and large sample size are assured. It was then used to come up with the hypothesized the demographic profile as to gender. It is where the frequency of one nominal variable is compared with different values of the nominal variable. Another type of hypothesis testing that the researchers used was One Sample T-test, wherein, the researchers were able to know the mean difference between the sample and the known value of the population mean. The last type of hypothesis testing that the researchers used was ANOVA (Analysis of Variance). It is used to compare treatment means of randomized block design of the significant difference in the frequency of the transactions via electronic banking facilities. |
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| Place, publisher, and date of publication |
|
| Edition |
|
| International Standard Book Number |
|
| Relationship information |
|
| Title |
|
| International Standard Serial Number |
|
| Physical description |
|
| Qualifying information |
|
| Record control number |
|
| 780 ## - PRECEDING ENTRY |
|---|
| International Standard Serial Number |
|
| -- |
|
| Main entry heading |
|
| Related parts |
|
| Title |
|
| Record control number |
|
| 785 ## - SUCCEEDING ENTRY |
|---|
| Title |
|
| -- |
|
| Record control number |
|
| Main entry heading |
|
| International Standard Serial Number |
|
| 787 ## - OTHER RELATIONSHIP ENTRY |
|---|
| International Standard Serial Number |
|
| -- |
|
| Place, publisher, and date of publication |
|
| Related parts |
|
| Relationship information |
|
| Title |
|
| Record control number |
|
| 800 ## - SERIES ADDED ENTRY--PERSONAL NAME |
|---|
| Personal name |
|
| -- |
|
| Dates associated with a name |
|
| Language of a work |
|
| Date of a work |
|
| Title of a work |
0 |
| Fuller form of name |
|
| Volume/sequential designation |
|
| 810 ## - SERIES ADDED ENTRY--CORPORATE NAME |
|---|
| Corporate name or jurisdiction name as entry element |
|
| -- |
|
| Subordinate unit |
|
| Date of a work |
|
| Title of a work |
|
| -- |
|
| Volume/sequential designation |
|
| 830 ## - SERIES ADDED ENTRY--UNIFORM TITLE |
|---|
| International Standard Serial Number |
|
| -- |
|
| Uniform title |
|
| Name of part/section of a work |
|
| Number of part/section of a work |
|
| Language of a work |
0 |
| Volume/sequential designation |
|
| 942 ## - ADDED ENTRY ELEMENTS |
|---|
| Institution code [OBSOLETE] |
|
| -- |
lcc |
| Item type |
Book |