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050			_aHG1710 C37 2023
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100			_aCastillo, Czaren M., Costoy, Ma. Justine F., Felix Maxine C., Legaspi, Shannen Trishia S., Santiano, Aira Mae G.
245		0	_aThe Effect of Cashless Transactions Towards the Spending Behavior of the Different Age Generations Within the City of Manila
264			_a. _b. _cc2023
300			_bResearch Paper: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2023.
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505			_aAbstract Cashless payment methods were already used pre-pandemic but it is during the pandemic when the usage of it has significantly increased as the usage of physical money was reduced, and people avoid having contact with other people. This study examined the effects of cashless transactions towards the spending behavior of the different age generations. The study's respondents were 50 customers who are residing within the city of Manila aged 18 to 70 years old. The researchers used survey questionnaires and the data were analyzed through statistical tools two-factor ANOVA without replication, and descriptive analysis. As tested by two-factor ANOVA without replication, results showed that there is no significant relationship between the factors and their type of behavior depending on the demographic profile of respondents when using cashless transactions is rejected. Thus, one of the hypothesis is accepted. Based on the results, Boomers' spending behavior is mostly affected by factors like Satisfaction level and Conveniency; Gen X are mostly influenced by the satisfaction factor; Millennials are mostly affected by the factor of Convenience and Satisfaction level; and Gen Z's behavior is influenced by convenience of cashless transactions. Overall, there's a significant relationship between the factors and their type of behavior depending on the demographic profile of respondents when using cashless transactions. Thus, the null hypothesis was rejected. In conclusion, the study reveals distinct buying behaviors among different generational groups in their spending behavior in relation with the cashless transactions, as influenced by age variables.
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