MERAL Myanmar Education Research and Learning Portal
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Barriers Influencing Digital Payment Intention to Adoption by MSME Owners. (Phyo Pyae Sone Win, 2024)
https://meral.edu.mm/records/9882
https://meral.edu.mm/records/98825de47be8-9130-410f-b151-8234b7e45bd1
35acddd5-803b-4231-a267-e2673e97ac0c
Name / File | License | Actions |
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Phyo Pyae Sone Win,EMBF-13, 9th Batch.pdf (1.9 MB)
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Thesis | ||||||
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Title | ||||||
Title | Barriers Influencing Digital Payment Intention to Adoption by MSME Owners. (Phyo Pyae Sone Win, 2024) | |||||
Language | en | |||||
Publication date | 2024-06-01 | |||||
Authors | ||||||
Phyo Pyae Sone Win | ||||||
Description | ||||||
The study mainly focuses on the barriers influencing the intention to adopt digital payments among MSMEs in the Pathein region. The quantitative research method was used in this study. The primary data were collected from 283 out of 969 MSME owners with structured questionnaires. The secondary data were sourced from relevant textbooks, digital payment reports, previously conducted research papers, internet websites, and articles on Linkedin. This survey focuses on 210 MSMEs owners who already adopted digital payment with barriers. The structured questionnaires used a 5-point Likert scale to determine the level of agreement with various statements. The multiple regression analysis was used in this study. According to the result, multiple regression analysis showed that image and information barriers significantly and negatively affect digital payment adoption. The continuous adoption of digital payments among MSME owners cannot be successful if image and information barriers remain high. Banks and digital payment organizations should prioritize building a positive image and developing educational campaigns for MSME owners highlighting digital payments' benefits and security. Additionally, banks and digital payment organizations should share more information about promotions and the benefits of adopting digital payments. Bankers and employees should communicate better with MSME owners and show positive behavior to encourage the continuous adoption of digital payments. |
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Thesis/dissertations | ||||||
Yangon University of Economics | ||||||
Dr. Aye Thanda Soe |