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  1. Yangon University of Economics
  1. Yangon University of Economics
  2. Master of Banking and Finance (MBF/EMBF)

Factors Influencing The Adoption of Electronic Payment Services in Shwe Bank (Aung Myat Min, 2024)

https://meral.edu.mm/records/9777
https://meral.edu.mm/records/9777
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3ea10345-77b0-4c88-85db-dd3b353d07b9
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Title
Title Factors Influencing The Adoption of Electronic Payment Services in Shwe Bank (Aung Myat Min, 2024)
Language en
Publication date 2024-06-01
Authors
Aung Myat Min
Description
The objectives of the study are to identify the electronic payments services in Shwe Bank, to analyze the factors influencing the adoption of electronic payment services in Shwe Bank and to examine the moderating role of demographic factors on adoption of electronic payment services in Shwe Bank. The primary data is collected with a sample of 285 respondents chosen from around 1,000 active Shwe Bank electronic payment users using the simple random sampling method. The secondary data is collected from existing relevant textbooks, journals, articles, reports, websites, and research papers from previous studies. Among influencing factors which are perceived usefulness, perceived ease of use, individual awareness, security, trust and social influence, it is found that perceived ease of use, individual awareness, security and social influence have positive significant effects on the adoption of electronic payment services in Shwe Bank. Moreover, the moderators which are age, education level and monthly income also have moderating effects on the relationships between influencing factors and the adoption of electronic payment services. This study finds that perceived ease of use, individual awareness, security, and social influence have significant and positive effects electronic payment adoption. For older users, age increases the importance of perceived ease of use and security but reduces the impact of individual awareness and social influence. Higher education enhances ease of use but diminishes the effect of trust, emphasizing security and cost. Higher income individuals prioritize ease of use and security, relying less on trust and social influence.
Thesis/dissertations
Yangon University of Economics
Dr. May Su Myat Htway Aung
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