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  <responseDate>2026-06-26T22:37:39Z</responseDate>
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        <identifier>oai:meral.edu.mm:recid/00010355</identifier>
        <datestamp>2024-12-10T05:58:20Z</datestamp>
        <setSpec>1582963436320</setSpec>
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          <dc:title>Factors influencing customer satisfaction of AYA Pay Wallet ( Aye Htwe Hlaing, 2024)</dc:title>
          <dc:creator>Aye Htwe Hlaing</dc:creator>
          <dc:description>The study examines the factors affecting customer satisfaction with AYA Pay, a mobile 
wallet service offered by AYA Bank in Myanmar. The mobile wallet industry has seen 
significant growth in recent years, with smartphones becoming more popular and cashless 
payment systems becoming more popular. AYA Pay, a leading digital payment platform in 
Myanmar, is influenced by factors such as perceived usefulness, perceived trust, brand image, 
security system, and service quality. The study found that perceived trust and service quality are 
the most critical determinants of customer satisfaction. Users value the security and reliability of 
their financial transactions, which directly affects their trust in the mobile wallet. The robustness 
of the security system, including encryption, biometric authentication, and AI-driven fraud 
detection, is crucial for building and maintaining customer trust. Service quality, including 
overall user experience, customer support responsiveness, transaction speed, and the range of 
features offered by AYA Pay, also influence customer satisfaction. The study recommends 
expanding features, strengthening perceived trust through transparent communication, third
party audits, robust customer support, and improving brand image through consistent branding, 
corporate social responsibility activities, and influencer engagement.</dc:description>
          <dc:date>2024-07-01</dc:date>
          <dc:identifier>https://meral.edu.mm/records/10355</dc:identifier>
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