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Chapter 1
Introduction
services. One part of this rapidly growing online services is online banking.
Combined with online retailers there has been a lot of money changing hands,
directed only by communication over the Internet. This is very convenient and
made possible through the ready accessibility of Internet in all first-world countries.
began with the use of automatic teller machines (ATMs) and included telephone
banking, direct bill payment, electronic fund transfer, online banking and other
electronic transactions. For many people, they believed that e-banking paved the
way to the direction of mobile banking. Also, some people believed that online
banking has become the most popular method of banking (Monilla, 2011).
Online banking has sometimes been defined as the provision of retail and
small value banking products and services through electronic channels either
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through mobile devices, Automated Teller Machines (ATMs), or even the internet.
Also it has been often used to describe processes in which customers could
machines (ATMs) were introduced in the 1980s revolutionizing how people viewed
the usual, brick-and-mortar bank structure. Today, ATMs has become a common
customer delivery channel that could be found mainly in urban centres through
sometimes, even in the countryside. Aside from ATMs, other innovations have
taken place such as phone and internet banking which again provided customers
with the ability to access banking services from various locations and at a 24-hour
by 7- days basis. With these developments, customers are able to enjoy the many
conveniences and lower costs of transaction that are offered by the said
innovations.
challenges and issues need to be addressed with regard to the growth of e-banking
and the e-business in general. The researchers aimed to determine the problems
The study showed how online banking services was able to attract
could be availed of by the customers. Online banking is one of the first things that
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come to mind when thinking about the future of banking. It is generally assumed
that online banking is relatively new and that it replaced or supplemented many
channels of delivery of retail banking services. The term online banking as used
includes automated teller machines (ATMs), automated call centers, digital cash,
Internet banking, screen telephones, and so on. These channels of delivery can
be used for presenting and paying bills, buying and selling securities, transferring
funds, and providing other financial products and services. Banking has never
communication and computer technology and the availability of the Internet has
made it possible for one can to conduct most banking transactions from a remote
location even without stepping into a physical financial structure - that was how e-
banking emerged.
public and the banking industry. It has resulted in the creation of a better enabling
banking has helped banks in the better monitoring of their customer base. This has
been a useful tool for banks to device suitable commercial packages that are in
banking sector to enlarge their customer base, this in turn increases the volume of
credit creation which results in better economic condition. Apart from all this, E-
banking has also helped in the documentation of the economic activity of the
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masses. The Internet makes it possible to bring both customers and suppliers
together.
Through online banking the company can show the clients that they are
better than their competitors and can guarantee to give them satisfaction for their
services. Filipinos have time and again basked in the distinction of being some of
the most technology-savvy people in the world, readily snapping up and testing
new ways of doing things. But the banking industry in the Philippines forms one of
the most conservative sectors in society, treading only very carefully on new
trends.
development and the distribution of financial services, which rely upon the open
system, the banks maintain a direct relationship with the end users
via the web and are able to provide a personal characterization to the interface,
affectivity presented in this study. This is because the researchers believe that
these issues are very important and relevant today. A lot of people save money
and entrust the banks with their hard-earned money. In addition, the researchers
want this research paper to be read by many students who are not too familiar with
certain issues about online banking. Lastly, the researcher provided and
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Banking.
Malolos City attempted to answer the major problem: How effective is online
3. How will the effectiveness of online banking in Malolos City be rated in the
researchers intended to find out how effective bank services were to small
banking has been chosen because it was noted that while a considerable number
were already aware of this technology, there remains a good number who were
not that aware of electronic banking and its services, which was unfortunate
considering the usefulness and importance of e-banking in this date and time. This
paper would find out if entrepreneurial online banking was in any way related to
the factors that affected the adoption of online banking in Malolos. Perceived
usefulness, perceived ease of use, trust, and government support were examined
in improving the efficiency of revenue collection and other transactions with the
public. Thru the internet, the Bureau of Internal Revenue (BIR) embarked on
electronic tax filing and payment project that involved the electronic processing
and transmission of tax return information and taxes due. The Bureau of Customs
has also been a proactive innovator in this area as it moves to fully convert to
electronic collection of duties at all ports of entry. The SEC has likewise embarked
platform. Other government agencies are likewise moving in this direction to collect
fees.
future researchers. They can also use this study as reference materials for
this study.
regard, a survey form was used to find out if the small entrepreneurs in Malolos
City find online banking services effective to their business needs. The online
reloading, processing payroll, payment to suppliers, and ATM checking. The study
Chapter 2
THEORETICAL FRAMEWORK
Relevant Theories
the critical factors that determine the adoption of an innovation at the general level
were the following: relative advantage, compatibility, complexity, trial ability and
observability (Tan and Teo, 2000; Gerrard and Cunniham, 2003; MdNor and
Pearson, 2008).
influenced by his attitude toward the behavior and subjective norm. Subsequently,
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a person’s behavior was determined by his intention to perform the behavior. The
belief about the performing the specific behavior. In fact, attitudes were comprised
of the beliefs a person accumulates over his lifetime. These beliefs were created
from experiences, outside information, or from within the self. Only a few of these
beliefs, however, actually influence attitude. On the other hand, subjective norm
are beliefs about what others thought about the behavior; in other words it is the
the behavior. “The person’s belief that specific individual or groups think he should
or should not perform the behavior and his motivation to comply with the specific
referents as proposed that variables not included in the model can affect intention
The Theory of Planned Behavior (TPB) was one of the most widely used
act was affected by his attitude toward the act, subjective norms and perceived
behavior (A), subjective norm (SN) and perceived behavioral control (PBC).
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Acceptance Model (TAM) to help predict and make sense of user acceptance of
TRA model was used to explain the evolution of banking and the acceptance
and perceived behavioral control (Taylor and Todd, 1995). Starting from the
Chervany (1999), certain influencing factors were selected: the attitude toward
This theory was used in order to explain that consumers prefer a technology
that could be easily controlled such as e-banking, (which can be controlled even
at home).
Related Literature
provided a key platform to the study of e-service quality and offered e-banking
is discussed. Online banking providers can make the process of using e-banking
in an online bank, which in turn are determined by Website quality and service
quality (Floh, 2006). First, the quality of Web sites has a direct and an indirect
impact on both satisfaction and trust. Companies has to redesign their Websites
with a view to enhancing usability and usefulness. Amongst the many factors which
account for the perceived quality of a Web site, the avoidance of downtimes seems
and usage of e-banking/internet banking was reviewed. Within the Internet banking
Many law firms manage their trust and regular bank accounts on the Internet.
Some firms have the ability to initiate various banking transactions online, including
account transfers and wiring funds. While the convenience and efficiency of online
banking have huge benefits, the downside is that online banking exposes you to
security risks (Pinnington, 2014). The steps outlined below was from an actual
study that helped law firms understand, address and reduce online banking risks
– for both your firm and personal accounts. In particular, make sure you were
familiar with the notice requirements for unauthorized transactions, and who was
specified and usually narrow circumstances you give prompt notice to the bank. If
hackers ever managed to get into your account, the ability to access multiple
accounts or to initiate transfers or send wires could allow them to easily remove
funds from your account. If you don’t intend to use your online banking facility for
these types of transactions, has this functionality removed from your account.
Check your online bank account every day by monitoring your daily account
indications that your account has been hacked. Check the last login time and make
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sure it was consistent with the last time someone from your office accessed the
affected more than any other financial provider groups (Chavan, 2013). Increased
use of mobile services and use of internet as a new distribution channel for banking
Technology has brought about a lot of changes in almost all facets of life. In the
Banking Industry, it has been in the form of online banking, which was now
replacing the traditional banking practice. Online banking has a lot of benefits
offerings and at the same time enable the banks gain more competitive advantage
over other competitors. There were not many inventions that had changed the
business of banking as quickly as the e-banking revolution. World over banks were
banking. E-banking has enabled banks to scale borders, change strategic behavior
and thus bring about new possibilities. The e-banking revolution has fundamentally
changed the business of banking by scaling borders and bringing about new
banks by significantly cutting down costs of delivery and transactions. One of the
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benefits of the banks using online transaction was the customer satisfaction. This
due to that customers may access their accounts whenever, from anywhere, and
they get involved more, this creating relationships with banks. Banks should
several distribution channels (ATM, Internet, physical branches) and has more
functions available online. Other benefits were expanded product offerings and
extended geographic reach. With all these benefits banks can obtain success on
A bank which would not ensure that information pertaining to its customer's
finances that should be kept secret would very soon acquire a bad reputation and
would thus lose the public's trust (Alhosani, 2011). The second argument relates
place the customer at risk from competitors. This was particularly so as information
about a business has an intrinsic market value and of course the value increases
been given great attention with respect to policy considerations and in certain
circumstances, the duty of secrecy has been treated as having less importance
than the country's interests. In the internet age, the issue of secrecy has also been
information about a customer on their databases. Third parties can 'hack' into
banking and there was thus a real risk of third parties obtaining personal
information.
By using e-banking, SMEs can apply online for lines of credit, credit cards,
loans and mortgages, hence, less visit was required to banks for doing banking
Normative and coercive pressure significantly influence the attitude and intention
transaction cost and save time to SMEs and creates more business and ensure
Therefore, pressure may come from banks to SMEs to adopt online financial
services.
Customers are found to prefer e-banking for conveniences, speed, round the
clock services and access to the account from any parts of the world. E-banking
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offers benefits to banks as well. Banks can benefit from lower transaction costs as
e-banking requires less paperwork, less staffs and physical branches (Chen et al.,
2006).
Online SME businesses are more profitable and produce higher revenues,
than SMEs that use only traditional channel. Through Internet, SMEs can do
research on banking products, interest rates, terms, and then choose lenders that
best fulfill their expectations and needs (Wendell and Williams, 2004).
Wang and Cheung (2004) found that coercive pressure has influence on
& Rupp, 2003). Typically, loan applications received at branch level and send to
Institutions can influence in several ways in IT adoption, like through enacting rules
and regulations or through creating demand for innovative product and processes.
Related Studies
The survey of the related studies is a crucial aspect of the planning of the study.
One such study said that banks had continuously pointed out that the lack of credit
information has deterred them from lending to SMEs. Without the necessary credit
were also concerned about the bankability of MSMEs and high risks involved in
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MSME lending given that many MSMEs had limited management and financial
Another study found out that all of the participants using internet banking to
using this service by using different devices such as Personal Computer (PC),
Laptop and Mobile phone i.e. iPhone etc. Among 13 participants there were 3
users who were using their smartphone (iPhone) to use this service, while
remaining were using laptop and PC. So in order to discover variation in pattern of
adoption of this service we decide to choose this service in our empirical study.
Age and gender does matter a lot for making positive or negative attitude for
technology they had less technology adoption hesitation and vice versa. This
dissertation was so helpful for the researcher because they really had a lot of
quantitative approach for the empirical study. The information helped them to
identify the possible variable. The study also shows the usual transaction and
scenarios for a specific customer which helps them to understand the situation in
having a problem about the transaction in online banking (Bashir and Albarbarawi,
2011).
Tools make it possible for the customers to create and maintain their own
financial budgets via e-Banking facility. By using this tool, customers can share
their financial information with bank advisor; this has help advisory service to make
decisions based on actual fats while previously it was based on manual entries.
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Here were some of the Online module of e-Banking were to View Balance and
The study shows the different online transaction of a bank can offer to their
customers. The study was very informative because of the overview of transaction,
organizational activity.
In accepting the internet and maximizing its potential, there were several
stages that firms evolve through that involve different roles. These different stages
of changes were reflected in the many levels that were present when firms go
through the adaptation of new technology. These stages, whether for a matured
firm or a firm in the introductory stage, would also apply to a bank adapting or using
IB.A system that satisfies users‟ needs reinforces satisfaction with the system and
acceptance in some cases. Whether the system was regarded as good or bad
depends on how the user feels about the system. Especially if the users do not
rely on the system and its information, their behavior toward the system could be
businesses would be minimal and not nearly as pronounced as was the case
type, the results did in fact support this expectation. Small businesses operating in
different industries, with few exceptions identified virtually the same banking
service attributes as the ones they would consider most important to them when
information topped the list for all businesses with the exception of manufacturing
firms. The latter group rated "being a reliable source of credit" as the most
important factor to them; confidentiality did not appear even in their top-five list.
Also, having competitive service charges was included in the top-five list of all firms
were the only businesses that identified "consistency in credit decisions" as one of
the five most important service attributes to them, "competitive loan rates and
terms" was the item that was included only in the top-five list for
understand the true banking and financial needs of entrepreneurs and small firms.
This should assist them to more effectively serve and meet the needs and
concerns of this important segment of their banking market. Further, the study
results provide financial institutions with the ammunition they need to better assess
their own strategic strengths and weaknesses, identify positioning gaps in their
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commercial markets, and seek and secure a stronger competitive position vis-a-
vis their rivals in those markets. The related information provided in this study could
go a long way in helping banks and financial institutions to not only do a more
effective job of segmenting their small business market, but also more effectively
channels due to the emergence of new technologies that simplified remote access
to banks i.e. telephone banking, ATMs, debit cards, access via proprietary
software installed on PCs, internet banking, and mobile banking. Given the
information-intensive nature of its operations and services, the banking sector was
were made at corporate level, the availability of new and complex technology such
and utilized, IB must offer clear-cut benefits for users (e.g. how easy or useful it
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was to use or how compatible it was with an individual‘s lifestyle and past
experience with such technologies; (3) The complexity of IB can create learning
Bank Institutions are now making it much more convenient for customers to
The rise of smart phones has seen a new age of hand-held, on-the-fly
banking emerge. Smart phones and, in particular, Apple iPhones, had made
banking on-the-go a reality. The easy-to-use applications means being stuck at the
checkout with money in the wrong account was a thing of the past. The technology
was there to make it happen and most people were now used to banking online.
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Making the process as simple and streamlined as possible was a win for the people
in Bulacan.
In Malolos City, Bulacan there are a lot of banks that uses online banking for
the customer convenience and access. Whether you like it or not, there are a lot
of situations that arise requiring one to go back over the banking transactions.
Even though the online banking has many perceived advantages, there are still
Conceptual Framework
was quality of online banking services. The researchers used survey, tally, and
data processing and statistical treatment as their process in order to know the
perceived output which was ease of online banking for small businesses.
Survey
Ease of
Quality of Tally
Online
Online Data Banking on
Banking Processing Small
Services and Statistical Businesses
Treatment
Definition of Variables
check savings.
private.
Payment of Bills. It refers to payment of bills using online banking wherein there
were paid online and can be modified for automatic or regular transfer of funds.
Chapter 3
RESEARCH METHODOLOGY
achieving the purpose of the study. Quantitative research approach was based on
the survey which describes the status quo. There were two approaches to a
Library, quantitative research was a more logical and data-led approach which
provides a measure of what people think from a statistical and numerical point of
view. For example, if you wanted to know how many of your customers support a
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proposed change in your products or service and how strongly (on a scale) they
support it. Also, it can gather a large amount of data that can be easily organized
This form of research was very flexible in terms of how it’s carried out such
as through the post, online or even over the phone. If you were carrying out
research, make sure that you had a fair cross section of respondents and that you
made use of online banking in their business transactions such as fund transfer or
sampling where the units that were investigated were based on the judgment of
from twenty (20) small businesses using online banking in their business
operations.
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Research Instruments
The researchers used quantitative technique. They used the survey method
due to its affordability and ability to gather multiple information at a short period of
time.
about a specific topic. The term survey was unfortunately a little vague, but was
often used to mean collect information. The survey was comprised of three parts,
the first part covers the type of online services that small businesses used. The
second part covers the characteristics of online banking. Lastly, the last part covers
The data for this research were collected using a survey questionnaire. The
survey was created using suitable questions modified from related research and
individual questions formed by the researcher. The survey was comprised of three
(3) parts, which was used to evaluate the effectiveness of online banking in small
information from Business Permit Registration and Renewal (BPRR) on the City
Hall of Malolos. They’ve asked about the list of small businesses that uses online
banking in Malolos. The BPRR answered that there was no such list; the same
response was given by Department of Trade and Industry (DTI) and Bulacan
that were considered small entrepreneurs and uses online banking with hands-on
knowledge in using it in the business and willing to answer all of the questions in
the survey. They conduct the survey in highly commercialized places in Malolos:
Brgy. Catmon, Brgy. San Gabriel, Brgy. Guinhawa and Brgy. Caingin. The
researchers stand-by while the respondents were answering, in case they needed
to clarify certain information. After three days, the researchers only managed to
researchers used appropriate statistical tools that gave meaning to the data.
Frequency distribution was one of the most common graphical tools used
(or range of values). This was used to record, measure, and analyze the gathered
Percentage. This tool would be used to determine the ratio of the response
p = f x 100
Where:
p = percentage
f = frequency
N = total score
Rank. This tool would be used to determine the top three (3) between set
of items.
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Another method that was used was weighted mean. The term weighted
other means can also be calculated, such as the weighted geometric mean and
weights to some of the individual values. The notion of weighted mean plays a role
in descriptive statistics and also occurs in a more general form in several other
x̄ = ∑x
Where:
X is the number of respondents who answered excellent, very good, good, fair and
poor
Chapter 4
In this chapter, the data gathered from the respondents were presented,
analyzed and interpreted. The chapter contains the results of the survey
Table 1
Frequency Ranking
Payment of Bills 14 2
Account Inquiry 15 1
Fund Transfer 11 3
Reloading 3
Process Payroll 4
Payment to Supplier 8
ATM Checking 10
*multiple responses
The results show that majority of the small businesses using online banking
use it for account inquiry, payment of bills and fund transfer. This was shown in
including even SMEs financial transaction. In fact, Purcell and Toland (2009) noted
that SMEs can even apply online for lines of credit, credit cards, loans and
transactions. Businesses were now more comfortable in using this kind of system
compared to when it was first introduced. The reason for this was explained in the
Theory of Reasoned Action, wherein the attitude towards performing the behavior
over his lifetime. These beliefs were created from experiences, outside
information, or from within the self. Only a few of these beliefs, however, actually
influence attitude, and one of them was the attitude towards online banking.
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Table 2
Characteristic of Online Banking
Characteristic Weighted Verbal Ranking
Mean Interpretation
Online banking makes it easier for me 3.75 Very Satisfied 1
to conduct my banking transaction
Online banking gives greater control 3.35 Very Satisfied 3.5
over my finances
Online banking allows me to manage 3.50 Very Satisfied 2
my finances more efficiently
Online banking allows me to manage 3.35 Very Satisfied 3.5
my finance effectively.
WEIGHTED MEAN 3.49 Very
Satisfied
The results show that most of the respondents were very satisfied in using
online banking services in their business transactions. This was shown in the top
my finances more efficiently” at 3.50; “online banking gives greater control over my
at 3.35.
This result was supported by Cheng et al. (2006), who concluded that
customers prefer e-banking for its conveniences, speed, round the clock services
and access to the account from any parts of the world. Entrepreneurs’ acceptance
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of the system was largely due to the adaptation of new technology and
incorporating it in the system (Hosein, 2009). The critical factors that determine the
Diffusion Theory”).
Table 3
Quality of Online Banking Services
Characteristic Weighted Verbal Ranking
Mean Interpretation
PROMPTNESS
The bank gives prompt responses to my request by 4.20 Very High 2
email or other means Effectiveness
When the bank promises to do something at a certain 3.95 High Effectiveness 3
time, it does so.
It is quick to complete a transaction through the 4.25 Very High 1
bank’s website. Effectiveness
Weighted Mean: Promptness 4.13 High Effectiveness
EXACTNESS
The bank’s site makes accurate promises about the 4.15 High Effectiveness 3
services being delivered.
Accuracy in the movement of funds in each 4.55 Very High 1
transaction. Effectiveness
No duplication in the payments of funds. 4.20 Very High 2
Effectiveness
Weighted Mean: Exactness 4.30 Very High
Effectiveness
CONFIDENTIALITY
The bank does not misuse my personal information. 4.60 Very High 1.5
Effectiveness
Feel safe in the transacting with the bank. 4.60 Very High 1.5
Effectiveness
ATM Services with a high degree of security and 4.15 High Effectiveness 3
confidentiality contribute to attract new customers.
Weighted Mean: Confidentiality 4.45 Very High
Effectiveness
COMPETITIVENESS
The organization and structure of online content is 4.30 Very High 2
easy to follow. Effectiveness
Online banking service in the payment of financial 4.35 Very High 1
obligations around the clock contributed to increase Effectiveness
customer loyalty.
Competitive edge by using online banking because 4.15 High Effectiveness 3
of the quick response.
Weighted Mean: Competitiveness 4.27 Very High
Effectiveness
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the respondents’ answers on the level of effectiveness of four (4) quality of online
Quality for Online Banking Services were divided into four: Promptness,
(weighted mean of 4.13). Regarding the specific characteristics, the first was “It is
quick to complete a transaction through the bank’s website” with 4.25 or Very High
email or other means” with 4.20 or Very High Effectiveness and finally, they gave
According to Pinnington (2014) many law firms manage their trust and
regular bank accounts on the Internet. Some firms had the ability to initiate various
banking transactions online, including account transfers and wiring funds. In the
For exactness, the respondents rate it 4.30 (Very High Effectiveness). The
respondents gave the highest rate in “Accuracy in the movement of funds in each
they gave 4.15 or High Effectiveness on “The bank’s site does not misuse my
personal information.”
Online banking reduces cost transactions while faced with problem on operations
mainly regarding human errors. Still there were a growing number of users of e-
states that technology was used because of its influence to users’ attitude
Very High Effectiveness. The owners of small businesses put more importance in
“The bank does not misuse my personal information” with 4.60 or Very High
Effectiveness and “Feel safe in the transaction with the bank” also with rating of
4.60 or Very High Effectiveness. Finally, they gave 4.15 or High Effectiveness on
“ATM services with a high degree of security and confidentiality contribute to attract
new customers.”
Hemmasi, Graf and Winchell (2009) in their study found out that
confidentiality of client information topped the list for all businesses with the
that was sensitive and could put the business at risks with competitors (Alhosani,
2011).
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competitiveness, the top answer was “Online banking service in the payment of
financial obligations around the clock contributed to increase customer loyalty” with
4.35 or Very High Effectiveness. Second was “The organization and structure of
online content is easy to follow” with rating of 4.30 or Very High Effectiveness.
Lastly, they gave 4.15 or High Effectiveness on “Competitive edge by using online
and Williams (2004) mentioned that SME businesses were more profitable and
produce higher revenues than SMEs that only use traditional channels.
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Chapter 5
Summary of Findings
The researchers were able to analyze and interpret the data collected
highest satisfaction and the result shows that they were “Very Satisfied.”
got the highest rank with Very high effectiveness. While regarding online
Very High Effectiveness. For exactness, the respondents gave the highest
Conclusion
information that the study requires. Based on the data gathered through the
1. The study showed that most of the respondents used account inquiry in
availing online services. Account inquiry was the simplest and most
common online banking that the respondents practiced because they can
do it at the comfort of their home or in an ATM. Also, they find it easy and
efficient.
online banking. It was easier for them to conduct their banking transaction
banking was much easier and consumes way less time and money.
to the result of the survey each aspect such as the characteristics and
Recommendation
The result below can help the researchers to particularize online banking
satisfaction.
1. The bank should focus more on each online banking services that small
entrepreneurs were not too keen to use. They should have a teller or
to the customer.
3. Businesses should consider using online banking as it's the safest, the most
effective and the most efficient way of looking after their finances. Online
banking gives you the facility to keep track of all your spending and income
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and it allows you to check your bank as often as you like giving you a peace
of mind.
4. The bank should improve tools, better awareness, and more effective
5. Bank should expand services to cover all customers’ needs and should be
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Keeton, W.R. (n.d.). The transformation of banking and its impact on consumers
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Riyadh, A., Akter, S. and Islam, N. (2009). The adoption of e-banking in developing
August 7, 2014
www.socialresearchmethods.net/kb/survtype.php
BULACAN STATE UNIVERSITY 48
COLLEGE OF BUSINESS ADMINISTRATION
APPENDIX 1
COMMUNICATION LETTER
BULACAN STATE UNIVERSITY 49
COLLEGE OF BUSINESS ADMINISTRATION
APPENDIX 2
BULACAN STATE UNIVERSITY 50
COLLEGE OF BUSINESS ADMINISTRATION
BULACAN STATE UNIVERSITY 51
COLLEGE OF BUSINESS ADMINISTRATION
APPENDIX 3
DATA MATRIX
Legend:
a = Payment of Bills
b = Account Inquiry
c = Fund Transfer
d = Reloading
e = Process Payroll
f = Payment to Supplier
g = ATM Checking
1 = Availed Services
# a b c d e f g
1 1 1 1
2 1 1 1 1 1 1
3 1 1
4 1 1
5 1 1
6 1 1 1 1
7 1 1 1 1 1
8 1 1 1 1
9 1
BULACAN STATE UNIVERSITY 52
COLLEGE OF BUSINESS ADMINISTRATION
10 1 1
11 1 1 1 1 1
12 1 1 1 1
13 1
14 1 1
15 1 1 1 1 1
16 1 1 1 1 1
17 1 1
18 1
19 1 1 1 1 1
20 1 1 1 1
Legend:
4 = Very Satisfied
3 = Satisfied
2 = Quite Satisfied
1 = Not Satisfied
BULACAN STATE UNIVERSITY 53
COLLEGE OF BUSINESS ADMINISTRATION
# a b c d
1 3 3 3 3
2 4 4 4 4
3 4 3 4 4
4 4 4 4 4
5 3 3 2 2
6 4 1 4 4
7 3 3 4 3
8 4 3 3 3
9 4 3 3 3
10 3 3 4 4
11 3 4 3 3
12 4 4 3 3
13 4 3 4 3
14 4 4 3 3
15 4 3 4 3
16 4 4 3 4
17 4 4 4 4
18 4 3 3 3
19 4 4 4 4
20 4 4 4 3
BULACAN STATE UNIVERSITY 54
COLLEGE OF BUSINESS ADMINISTRATION
Legend:
A = Promptness
B = Exactness
a = The bank’s site makes accurate promises about the services being
delivered.
C = Confidentiality
D = Competitiveness
response.
4 = High Effectiveness
3 = Moderate Effectiveness
2 = Low Effectiveness
A B C D
# a b c a b c a b c a b c
1 4 4 4 4 4 4 5 5 3 4 4 4
2 4 4 5 5 5 5 5 5 5 5 5 5
3 4 3 3 4 4 3 4 4 4 4 4 4
4 5 5 5 5 5 5 5 5 5 5 5 5
5 3 3 3 3 4 4 4 4 3 3 4 3
6 5 5 5 5 5 5 5 5 5 5 5 3
7 4 5 5 4 5 5 4 4 3 3 3 3
8 3 4 3 3 4 4 5 3 3 3 3 3
9 4 4 4 4 3 3 5 5 4 4 4 4
10 3 3 4 4 4 3 5 5 5 5 5 4
11 5 3 5 3 5 4 4 5 3 4 5 4
12 4 4 4 4 5 4 4 5 5 4 4 4
13 5 5 3 4 5 5 5 4 4 4 4 5
BULACAN STATE UNIVERSITY 56
COLLEGE OF BUSINESS ADMINISTRATION
14 3 3 4 4 4 3 4 4 4 4 3 3
15 5 5 4 5 5 4 5 5 5 4 5 5
16 5 4 5 5 5 5 4 5 4 5 5 5
17 4 4 5 4 5 5 5 5 5 5 5 5
18 5 3 4 4 4 4 5 4 4 5 4 5
19 5 4 5 5 5 5 4 5 5 5 5 5
20 4 4 5 4 5 4 5 5 4 5 5 4
BULACAN STATE UNIVERSITY 57
COLLEGE OF BUSINESS ADMINISTRATION
APPENDIX 4
CERTIFICATION
This certification is being issued upon the request of the researchers namely
Camille Joy DS. Sebastian, Desserie Jane F. Sunguad, Jenny Anne M. Eugenio,
_______________________
PERSONAL BACKGROUND:
ACADEMIC RECORDS:
____________________
Jenny Anne M. Eugenio
BULACAN STATE UNIVERSITY 59
COLLEGE OF BUSINESS ADMINISTRATION
Objectives: To work for a company that will enhance the skills I already have as
well as provide the opportunity for personal and professional growth and
advancement opportunities.
PERSONAL BACKGROUND:
ACADEMIC RECORDS:
________________
Wil Anne A. Hizon
BULACAN STATE UNIVERSITY 60
COLLEGE OF BUSINESS ADMINISTRATION
RB D. SALVADOR
Santol, Balagtas, Bulacan
Mobile Number: 09351254239/09428162902
Email: rb_salvador29@yahoo.com
PERSONAL BACKGROUND:
ACADEMIC RECORDS:
_____________
RB D. Salvador
BULACAN STATE UNIVERSITY 61
COLLEGE OF BUSINESS ADMINISTRATION
Objectives: To work for a company that will enhance the skills I already have as
well as provide the opportunity for personal and professional growth and
advancement opportunities.
PERSONAL BACKGROUND:
ACADEMIC RECORDS:
_______________________
Camille Joy DS. Sebastian
BULACAN STATE UNIVERSITY 62
COLLEGE OF BUSINESS ADMINISTRATION
PERSONAL BACKGROUND:
ACADEMIC RECORDS:
_______________________
Desserie Jane F. Sunguad
BULACAN STATE UNIVERSITY 63
COLLEGE OF BUSINESS ADMINISTRATION
RACINE D. TAPISPISAN
630 Violeta St., Saluysoy, Meycauayan, Bulacan
Mobile Number: 09266006564
Email: racinetapispisan@yahoo.com
PERSONAL BACKGROUND:
ACADEMIC RECORDS:
___________________
Racine D. Tapispisan