{"_buckets": {"deposit": "277617f7-d3ad-4827-98b3-ed18d92d5470"}, "_deposit": {"created_by": 20, "id": "12478", "owner": "20", "owners": [20], "owners_ext": {"displayname": "", "username": ""}, "pid": {"revision_id": 0, "type": "depid", "value": "12478"}, "status": "published"}, "_oai": {"id": "oai:meral.edu.mm:recid/00012478", "sets": ["1582963436320"]}, "author_link": [], "item_1583103067471": {"attribute_name": "Title", "attribute_value_mlt": [{"subitem_1551255647225": "Factors Affecting Customer Trust in CTZ Pay ( Su Myat Htwe, 2025)", "subitem_1551255648112": "en"}]}, "item_1583103085720": {"attribute_name": "Description", "attribute_value_mlt": [{"interim": "The objective of this study is to examine the influence of system quality, customer service, privacy, and perceived cost on customer trust, and how customer trust affects continuance intention toward using CTZ Pay. Both primary and secondary data sources were utilized. Primary data were collected through a structured questionnaire survey. Descriptive statistics and quantitative research methods were employed to analyze the findings. A total of 130 customers from the Citizens Pay head office in Yangon were surveyed, and the sample size was determined using Yamane’s (1973) formula through a simple random sampling method. The study focuses on four key independent variables system quality, customer service, privacy, and perceived cost to evaluate their effects on customer trust. The results indicate that all four variables have significant positive impacts on customer trust. Furthermore, the findings show that customer trust has a strong and positive influence on continuance intention, demonstrating that customers who trust CTZ Pay are more likely to continue using the service. Overall, the study highlights the important role of customer trust in driving continuance intention within digital payment platforms like CTZ Pay.Moreover, the outcomes of this study provide practical implications for CTZ Pay in enhancing customer experience and strengthening long-term user engagement. By prioritizing improvements in system quality, service responsiveness, data privacy protection, and transparent pricing, CTZ Pay can further foster customer trust and reinforce users’ intention to continue using the service. These findings also contribute to the broader understanding of trust formation in digital payment systems and offer valuable insights for financial institutions seeking to improve customer retention through trust-based strategies."}]}, "item_1583103120197": {"attribute_name": "Files", "attribute_type": "file", "attribute_value_mlt": [{"accessrole": "open_access", "date": [{"dateType": "Available", "dateValue": "2026-03-31"}], "displaytype": "preview", "download_preview_message": "", "file_order": 0, "filename": "Su Myat Htwe, EMBF-30, 11th Batch.pdf", "filesize": [{"value": "764 KB"}], "format": "application/pdf", "future_date_message": "", "is_thumbnail": false, "licensetype": "license_0", "mimetype": "application/pdf", "size": 764000.0, "url": {"url": "https://meral.edu.mm/record/12478/files/Su Myat Htwe, EMBF-30, 11th Batch.pdf"}, "version_id": "38a9d8b8-e841-4441-b4cc-7465f55bd862"}]}, "item_1583103233624": {"attribute_name": "Thesis/dissertations", "attribute_value_mlt": [{"subitem_awarding_university": "Yangon University of Economics", "subitem_supervisor(s)": [{"subitem_supervisor": "Dr.  Aye Thanda Soe"}]}]}, "item_1583105942107": {"attribute_name": "Authors", "attribute_value_mlt": [{"subitem_authors": [{"subitem_authors_fullname": "Su Myat Htwe"}]}]}, "item_1583108359239": {"attribute_name": "Upload type", "attribute_value_mlt": [{"interim": "Other"}]}, "item_1583108428133": {"attribute_name": "Publication type", "attribute_value_mlt": [{"interim": "Thesis"}]}, "item_1583159729339": {"attribute_name": "Publication date", "attribute_value": "2025-11-01"}, "item_title": "Factors Affecting Customer Trust in CTZ Pay ( Su Myat Htwe, 2025)", "item_type_id": "21", "owner": "20", "path": ["1582963436320", "1582965701379"], "permalink_uri": "https://meral.edu.mm/records/12478", "pubdate": {"attribute_name": "Deposit date", "attribute_value": "2026-03-31"}, "publish_date": "2026-03-31", "publish_status": "0", "recid": "12478", "relation": {}, "relation_version_is_last": true, "title": ["Factors Affecting Customer Trust in CTZ Pay ( Su Myat Htwe, 2025)"], "weko_shared_id": -1}