MINISTRYOFEDUCATIONANDTRAINING THESTATEBANKOFVIETNAM HOCHI MINH CITYUNIVERSITYOF BANKING PHAMTHAIDAT FACTORS INFLUENCING THE DECISION TO PAY TUITION FEESONLINEBYSTUDENTSOF HOCHIMINHCITYBANKINGUNIVE[.]
Objects,researchquestions
The research paper aims to clearly identify the factors that directly influence thedecisiontopaytuitionfeesonlineforHUBstudents,therebygivingrelevantadministra tiveimplications,withspecificobjectivesasfollows:
- Identifying factors affecting the decision to pay tuition fees online of studentsofBankingUniversity
- Determining the level of the influence of this factors affecting the decision ofstudentstopaytuitionfeesonline.
- Proposingadministrativeimplicationswiththegoalofincreasingtheproportion of students paying tuition fees of students of Ho Chi Minh City BankingUniversity.
In order for the topic to achieve the research objectives, the research questions ofthetopicusedbytheauthorare asfollows:
What factors influence the decision to pay online tuition fees of students atBankingUniversity?
- The degree of influence of factors affecting the decision to pay tuition feesonlineofstudentsofBankingUniversity
- Based on the results of the study, it is necessary to identify and propose whatrelevant administrative implications towards the electronic payment system of thebankinguniversity.
Scope,researchsubjects
The subject of the study is the importance of the factors influencing the decisiontop a y t ui ti on f e e s o n l i n e o f t h e g r o u p o f s t u d e n t s o f T h e B a n k o f H o C h i M i n h City.
The scope of research of the topic is mainly students who are studying at TheBankingUniversityofHoChiMinhCity.
The subjects arefull-time university students who are studying and working atThanh Vuong Ho Chi Minh University, specifically students from year 2 to year4whohavemadedecisionsabouttheimplementationofonlinepaymentforms,paymentatthe universityoratthebank.
Researchmethods
Use the method of determining data income from previous studies to carry outthe study "Cevil factors that influence the decision of students to pay tuition feesonlineofbankinguniversitystudents".
Qualitative preliminary research and quantitative formal research are carried outby referencingrelevantstudiesandusingaDetailedSurvey
Questionnaireandthrough the Internet using survey questionnaires designed using the Google Formtool The data after collection will be processed, cleaned, encrypted and analyzedusing spss 20 statistical data processing software The descriptive statistical methodwill be used to look at the degree of influence of the factors, cronbach's Alphareliability factor method and the EFA discovery factor analysis (Exploratory FactorAnalysis)usedto assess the reliability andvalue ofthe scale,atthe samet i m e screen the scale of study concepts Independent samples T- test (ANOVA) will beused to find meaningful differences between a few student groups, and accreditationwillbeusedtoranktheimportanceofthefactorsthatinfluencebankchoicedecisi ons.
Descriptivestatistics:aftercollectingsurvey data,usingfrequency statisticaltools,percentage of factors to learn the characteristics of the study sample.Copperworshipiusesstatisticalindicators:average,standarddeviationtoevaluatethedist ributionandlevelofcustomerconsentforobservedvariables.
CalculationofCronbach'sAlphacoefficients:toeliminatei n a p p r o p r i a t e variabl esinthemodel,assessthereliabilityofthescale.
EFAfactoranalysis:usedtosetthevariablesneededforu-studyandtherelationship between variables In addition, the EFA factor is also used to shrink theinitialnumberofvariablesfortheresearch modeltoachieveoptimal.
Develop a linear regression model and perform tests to describe the form of thelinkbetweenthetoxicvariableandthedependentvariable,inadditiont o performing a number of tests such as: multilinear phenomenon testing, testing thedifferencesofqualitativevariables.
Thetheoreticalcontribution
The results of the survey will help managers and banking universities betterunderstand the factors affecting banking university students in particular in bankingchoice and indicate the extent of the influence of these factors and summarize therelevantgovernance implications.
This survey also serves as a reference to the relevant survey on the factors thatinfluencestudents'decisionstopaytuitionfees.
Thestructureoftheresearchpaper
Research on the factors influencing the decision to pay tuition fees of students ofHoChiMinhCityBankingUniversity.Hcmwillbedividedinto5s p e c i f i c chapters: Chapter1:OverviewofresearchtopicsChapter
2: Theoretical basis and related studiesChapter3:Studyresearch
In chapter 1, the research paper raises the issue of the need for the topic.Besides,the author also gives goals, questions, scopes and research subjects In addition,chapter 1 also outlines the composition of the research paper, thereby serving as thebackgroundforthefollowingchaptersoftheresearchpaper.
Basicconcepts
Consumerbehaviortheory
Kotler's Consumer Behavior Theory (1967) is widely used in many studies withthe aim of explaining the causes of consumer product selection based on the patternoforganizingconsumerbuyingbehavior.
Figure 2.1: The model of organizing consumer buying behavior (Source:
According to Kotler, the behavior of choosing or purchasing hang chemicals orservices of individuals is often unconscious and influenced by many elements ofsociety.Theimageshowsthatthedecisionstochoosetheproduct,thebrand wheretobuyorthenumberofconsumershaveaninfluenceonmarketingfactors(Product, price,locationormarketing)andenvironmentalfactorssuchassophistication,technology,culture and law Through the theory of consumer behavior may explainthereasonsforusingtheonlinesystemtopayforstudents'educationattheUniversityo fBanking.
Theconceptofonlinepayments
CommerceTechniques:E l e c t r o n i c p a y m e n t s a r e u n d e r s t o o d a s a f o r m of t r a n s a c t i o n t h r o u g h the Internet and electronic devices as an alternative to cash payments According toFatonah et al.
(2018), the Era of Information and Communication Technology (ICT)and digital innovation led to dynamic changes in the business environment, wherebusinesstransactionscontinuetomovefromcash- basedtransactionstoelectronicallybasedtransactions.Electronicpayment syst ems werenotintroducedto replace cash but as a better alternative to cash and trading exchanges. Electronicpayments can be understood as payment mechanisms that use electronic means thatare not related to cash E-payment systems are an important aspect of e- commerce.Dennis's (2004) study, meanwhile, defines electronic payment systems as a form ofrelated financial commitment between buyers and sellers through electronic means.Inaddition,Briggs&Brooks(2011),seeselectronicpaymentsasoneofthe formsof connectivity between organizations and individuals and organizations supportedby banks to allow currency exchanges to take place through electronic systems ForiPeter and Babatunde (2012), electronic payments are considered any form of fundthrough the Internet Some definitions also suggest that electronic payment systemsare payments made in environmental e-commerce in the form of money exchangethroughelectronicmeans(Kaur& Pathak,2015).
Popular forms of electronic payment today such as credit cards, debit cards,purchasecards,e-wallets,cryptocurrencies.
Theroleofonlinepayments
Fast and convenient in line with market flow: Online forms of payment will helpconsumersalotindailyactivitiessuchasshopping,payingbills,payingentertainment services, traveling Consumers can make transactions quickly withhighaccuracy.Notonlythat,asharpincreaseinonlinepaymentswillhelpbusinessesa ndtheeconomybecome moreflexiblewith international transactions.
Easy to control and track: almost all electronic payments are saved and allow tolook up old transactions in case of need This not only helps consumers but alsobenefitstaxauthoritiesandfunctionalunitsin controllingpeople.
Modernizing business processes : In the field of online business, there are manyforms of payment for users such as (credit cards, internet banking, e-wallets,QRcodes )thatmakeonlinepurchasesandpaymentspopularbecauseoftheconvenience In the long run, to match the market requires businesses to upgrade thescaleandmachinery,whichhelpstoimprovethefacilitiesandqualityoftheelectronicpay mentsmarketinVietnam.
Theconceptoftuitionfees
AccordingtoDecreeNo.81/2021/ND-CP,thedefinitionoftuitionfeesf o r higher education levels is: Tuition fees are the amount that learners are obliged topaytocoverpartorallofthecostofeducationandtrainingservices.Tuition fe esarebuiltaccordingtothebasicroadmapto ensurethecostof educationandtraining.
Methodsofpayingtuitionfees
Indirectly:s t u d e n t s m a k e t u i t i o n p a y m e n t s v i a t h e e - p a y app o f t h e i n d i v i d u a l ' s b a n k andtransfer moneyto stk 1111.000.0004541BIDV bankto makeclosingtransactions.
According to Kotler (2009), consumer behavior is a collection of specific humanbehaviors when making decisions such as procurement, transactions, payments, useordisposalofgoodsandservices.
In person: students can go to the accounting department of the University ofBanking to solve tuition problems or go to bidv bank branches to make tuitionpayments.
Organizationof onlinepaymentbehavior
Overviewofrelatedstudies
In the study of Kabir and his colleagues (2015), which used information systemsand referenced documents through electricity payments from 2010-2015, it wasshown that electronic payment systems are increasingly becoming one of the mostuseful means of payment for not only individuals but also businesses worldwide,Electronicpaymentsareincreasinglybeingexpandedandacceptedinbothde veloped and developing countries by simplifying transactions in business becauseofitsefficiency,convenienceandtimeliness.
According to a study on "Trends and Innovation" by young consumers, Wood(2013) identified four trends that are likely to characterize the Younger Generationasconsumers:Focusoninnovation,Insistonconvenience,Implicitdesirefors ecurityandthetendencytoescape.
Lin (2003) stated that for companies that sell online services, in order to bevalidated and accepted by customers, they need to provide the greatest assignedvalue so that customers can see it as an advantage and loyalty to them.Companiescan measure this value by looking at customer satisfaction and the factors that affectthissatisfactionare:customerneeds,value,andcost.
Mostaghel (2006) and Heskett et al (1994) emphasized consumer satisfaction asnecessary to achieve better financial efficiency of services within the company,beingthesecondhighestservicethatmatterstothem,afterobtainingprofits.Co mpanies see the rapid development of technology as an opportunity to achievecustomer satisfaction and loyalty much more easily at a lower cost Many studieshaveshownthate-commercehasdramaticallychangedthewaybusinessoperates.
According to Kim et al (2010), research suggests that good security improvestrust, and awareness of good security and reliability will eventually increase the useof e-commerce In fact, customer awareness of the security of electronic paymentsystemshasbecomeamajorfactorinthedevelopmentofe- commerceint h e market.The study, gathered from 219 people in South Korea, outlinesa conceptualmodel that describes the factors that determine perceived safety and the perceivedtrustof consumers, as well as the effects of perceived safety and perceived trust ontheuseofelectronicpaymentsystems
Meanwhile, Yan & Dai's research (2009), offers the benefits to consumers whendecidingtomaketransactionsthroughonlineformsuchas:Convenience,Characteri stics of goods / services, Rich information, Factors of Asia Akbar andJames(2014) ar gue t h a t cus to mer p e r c e p t i o n s of o n l i n e p ur chas es a r e d ete rm in ed by four main factors such as demographics, knowledge, reputation and ease of use,perceptionofrisk.
Wang Tao,NamchulSi m,Ki-so Kim(2010)
Lin(2015) China Demand,value,costofcaveguests
Convenience,commoditycharacteristi cs, rich information,pricefactors
Summaryofresearchononlinetuitionfees
( 2 0 2 0 ) r e s e a r c h o n t h e w e b s e r v i c e o f o n l i n e electronictuitionpayment,which allowsstudentstotransfertuitionfeesusingthe university's account via forms such as electronic banking, credit cards, debit cards.Inaddition,thestudyalsoproposesmanyoptionstoincreasethesecurityo f paymen tservicesoverthewebsuchasserversecurity,networksecurity,dataprotection to increase customer trust thereby affecting students' decisions to paytuitionfees.
Meanwhile, Ai-Emran and Salloum's research (2019) on the factors influencingthe adoption of electronic payment systems in higher education institutions.
Thestudy,conductedatninedifferentuniversitiesintheUAEwith528researchsamples,o btainedresultsshowingthatvariablessuchasusefulpasslevels,awareness, ease of use were factors that greatly influenced the level of trust and theapplication of electronic payments to students,Meanwhile, useful believers have anegligibleinfluenceonthechoicedecisions ofArabstudents.
The study of the factors influencing the decision to use the online paymentsystem of (Rokhmah, 2020) in Indonesian private schools through the application ofclassification methods, comparing the accuracy on 236 data samples has obtainedthe results of factors such as Information Convenience, the most usefulness andaccuracy of which students are interested in is 95% compared to the Nạve Bayesmethodalone,namely85%andtheK-NNmethod,specifically81%.
Thee- paymentsystemresearchprojectatThePolytechnicUniversityo f PalestinebyAbeerand colleagues(2008),topaytuitionfeestostudents,tocompletetheelectronicregistrationpro cess,inwhichstudentsknowthefeesrequiredf o r t h e r e g i s t r a t i o n , a f t e r w h i c h g r a n t s a n d g r a n t s c a n r e c e i v e , s t u d e n t s must choose one of them, then the system returns the amount that needs to be paidfor the completion of the electronic registration process The electronic paymentsystem operates by prepaid card with monetary value, where students buy cards,then students go to the Electronic Payment System, enter the card number accordingto the instructions on the card to add the balance, then the system will check thenumberc a r d , i f e v e r y t h i n g i s f i n e t h e n t h e s y s t e m w i l l a d d t h e b a l a n c e f o r t h e
H4 hypothesis: Information has the positive effect on the decision to pay tuitionfeesonlineofstudentsofHoChiMinhCityBankingUniversity
H5 hypothesis: The pandemic factor has an effect in the same direction on thedecisiontopaytuitionfeesonlineofstudentsofHoChiMinhCityBankingUniversity
Researchmodel student In addition to previous operations, the project aims to create prepaid cardsby the card transmitter manager and then the manager can sell them to the specificbank, the system also allows the documentmanager to createv a r i o u s d o c u m e n t s and other services, electronic payments have brought a lot of efficiency and ease,savingtimeandeffortforbothstudentsandregisteredstaff.
Researchmodelsandhypotheses
H1 hypothesis: Personal intention factor has an influence the positive effect on thedecisionofstudentstopaytuition feesonlineofbankinguniversitystudents
H2 hypothesis: Safety and security factors influencethe positive effect on thedecisiontopaytuitionfeesonlineofstudentsofHoChiMinhCityBankingUniversity
H3 hypothesis: Convinience has the positive effect on the decision to pay tuitionfeesonlineofstudentsofHoChiMinhCityBankingUniversity
Conveniencecanbeseenasoneofthemainreasons,influencingpaymentdecisions in the form of online In modern life, traditional payments such as havingto go directly to the place to trade are gradually becoming obsolete because oflimitations such as complexity, time loss, cost Now that every activity can bedone easily and simply through smart devices, not only can there be more and moreforms of payment not only banks with extremely simple procedures with low cost,making every operation more and more easy for consumers, it saves them a lot oftime on other activities According to Salehi and colleagues (2012), the increasingcompetitionof onlineretailershas ledto more and more servicesand productsbeing
Figure 2.2: Research model (Source: self-compiled author)
Factors that influence the decision to pay online tuition fees forstudents
traded online, which increases the convenience for customers, many e- commerceresearchers have found and chosen convenience as an important factor in paymentsonline and consumer behavior, this not only shows the importance of convenience.For Lai & Lin's research (2012), convenience is the main reason for customersatisfaction and retention, which is considered an important factor in onlinepurchases and payments As for the research paper of Srinivasan et al. (2002),convenience is one of the factors affecting customer loyalty in online business-to-customer(B2C)businessactivities.
Safety and security are an extremely important factor for online trading. Guestswilloftenfearthattheirpersonalinformationwillbestolenandmisusedformalicio us purposes Moreover, in Vietnam, the laws on online transactions have notbeenstrict,thismakesiteasyforbadactorstoexploitwithtricks:s e n d i n g messages, virtual links, fake authorities High security increases the trend of usingonline trading services (Vijayasarathy and Jones, 2000), while research by Takyi &Gyaase (2012) has shown that online transactions on the Internet can easily losesecurity and more and more participants are being scammed but still do not havereasonable protections,Hwang's research
(2003) published studies related to creditcardtransactions,specificallyonlinecreditcardpaymentsthatcouldresultinemplo yee information beingdisclosed to all participating banks.According toReichheld and Schefter (2000), trust is crucial in trading relationships, especiallythose that contain high risks such as online trading In other words, trust is just asimportant as the safety of EPS success Therefore, identifying and understanding thefactorst h a t a f f e c t t r u s t a n d s e c u r i t y i s e s s e n t i a l f o r t h o s e w h o m a k e t r a n s a c t i o n s with EPS It is precisely because the safety and security calculation has a greatinfluence on the payment of consumers in general and the tuition payment activitiesofstudentsat theUniversityofBankinginparticular.
Based on the Theory of Rational Action (TRA) proposed by Fishbein and Ajzen(1975) that a behavior is predicted by the intention of a person to engage in a certainintentionthatislinkedby twofactors,theindividual'sattitudetowardsc e r t a i n norms and subjective behaviors Intent is the expected component that is actuallyinfluencedbytheattitudefactorofpersonalandsubjectivenorms.B e s i d e s , inte ntion can serve as a motivating factor influencing behaviors in terms of the levelof effort that people are willing to try leads to the implementation of behaviors Sunresearch (2003) has demonstratedthat thebehavior intendedtouse tom e a s u r e actual usage is valid and reliable TRA hypothesizes that a particular behavior ispredicted by an individual's intention to participate Some theoretical research tobetter understand the relationship holds the structure of belief and the foundation ofintent by examining methods for vertically decomposition of perspectives (Taylor &Todd, 1995) According to
Dahlberg and Holmberg (2014), the Planned
BehaviorModel(TPB)hasshownthatpervasivenessoracceptancetheoriesprovidedetermi nants in evaluating payment habits In addition, TPB is also a model ofmeasuring the intention to adopt payment habits based on trust assessments Basedon research conducted by Norman and Conner (2006), the variables include thesuccess of TPB to demonstrate that there are differences in intentions, 66% withself- efficacy,attitudes,andcognitivecontroloverallimportantvariables.Inaddition,Venkate shandDavis(2000)havesaidthatintentwillaffectusagebehavior There are certain users who will likely prefer the system to be moreconvenient and user-friendly as the attribute of the options Furthermore, the intentto use can be influenced by other personal differences and system characteristics ofvariableswhentheusermakesadecisiontouse.
Unlike traditional payments, it takes 2-3 days or even 1 week to complete theupdate of the notice of payment, when paying online all information will be updatedimmediately, not only that the display of information about the amount of money inthe bank account is much more convenient than keeping the paper bill.T h i s w i l l helpincreasetheaccuracyoftransactions.Accordingtoresearchby
Schuh&Stavins (2015), using data and models from the Payment Options Survey (SCPC),payment speed factors and updates have a significant influence on payment methodchoice While Lee, Yu and Ku (2001) claim that e-commerce (EC) offers manyadvantagesovertraditionalcommercesuchasopenness,speed,anonymity andglobal accessibility, which simplifies life and increases the quality of life of eachindividual.
Research has shown that since the outbreak of covid, consumers have changedmuch to consumers' payment decisions because of social distancing policies andanxiety, shielding electronic payments from booming around the world In the studyof Aji et al (2020) in Malaysia and Indonesia, under the influence of the pandemicandthegovernment'sencouragementinactivitiestoavoidcontactbetweenindivid uals, e-wallets are gradually thriving and becoming a general payment trend.Not only that, due to the impact of the pandemic, government organizations aroundthe world such as WHO propose to use digital currencies and electronic paymentmethods when possible (Brown, 2020) More specifically, in universities, not goingtosc ho ol l ea d s t o a l l a c t i v i t i e s s u c h as s t u d y i n g , e x c h a n g i n g th ro ug ho n l i n e f o r m and paying for school is no exception, nearly 100% of students pay for study online,which has greatly influenced habits and decisions with new students or have neverused the form of students This in the past, it can be said that the pandemic factorshave greatly influenced the decision to pay tuition fees online of students of TheBanking University of Ho Chi Minh City.
Chapter2presentsasummary ofthetheories,conceptsandrolesofpayments,theoretical basis and research on factors influencing the decision to pay tuition feesonline of students of Ho Chi Minh City Banking University.B e s i d e s , t h e a u t h o r alsopresents and summarizesrelatedstudies. model of electronic payments after the COVID19 outbreak (Yi, 2020) This can beas useful as knowledge for the public, business actors, and governments to developstrategiestoovercomecurrentproblemsandcrises.
Study objectives Theoretical basis Qualitative research
Descriptive statistics The scale calibrating Quantitative research
Cronbach's Alpha and EFA analysis
Model testing (correlation, regression, T-test, Anova)
Researchprocess
The research process on the topic "Factors that influence the decision of bankstudentstopaytuitionfeesonline"has9basicstepsincluding:
Figure3.1: Research process diagram(Source: Self-compiledauthor)
Researchmethods
In order to achieve the research objectives set out, the research paper will use twomain research methods: qualitative research method (Synthesis of related tumorstudies, expert opinion ) and quantitative research method (Correlation analysis,regression ).
Qualitative research: refer to secondary documents to identify the underlyingfactors that influence students' decisions to pay for school fees to clarify the factorsthat influence the decisions of Bank students when paying for their studies Themethod of consulting experts includes lecturers, masters and doctors working atBankingU n i v e r s i t y i n b u i l d i n g a s u r v e y q u e s t i o n n a i r e f r o m w h i c h t o e l i m i n a t e irrelevant or difficult questions Researching topics suitable for questionnaires andHUBstudents,throughconsultingandevaluationfromexperts,theauthorhassummarize dandshortenedthequestionnairewith5factorsand18variables.
Formal quantitative research: Is quantitative research carried out through surveyslips,thencollectingdata,analysis,evaluatebasedonSPSSdataprocessingsoftwa rewiththemainanalyticalsteps:cronbach'sAlphareliability andvalueassessment,EFAfactoranalysis,analysisofcorrelationsandrulesbetweenvaria bles.
Buildingascale
Fromtheresearchmodel,theauthorproposesascalewith7factorst h a t influence the decision to pay online tuition fees of bank students in Ho Chi MinhCityH C M w i t h 1 8 v a r i a b l e s : ( 1 ) P e r s o n a l i n t e n t i o n s : 3 v a r i a b l e s , ( 2 ) S e c u r i t y safety:3 v a r i a b l e s , ( 3 ) C o n v e n i e n c e : 4 v a r i a b l e s ,
Specific observational variables in the topic use a 5-point Likert scale with 5 levels:Level1:Totallydisagree.
3 I see that banks have many formsofv e r i f i c a t i o n w h e n p a y i n g m o n e y online.
1.Ifindthatpayingonlines c h o o l fee s updates information faster thanpayinginperson
Purwandari,Sur iazdin,Hidayan to,Phusavat,Ma ulida(2022)
1.I switched to online payment Purwandari, duringcovid-19 Suriazdin,
5 Pandemic factors onlineduringcovid 3.I will pass completelyto pay
Methodofselectingsamples,collectingandprocessingdata
Sampleselection method
- The subjects of the study are students of The Banking University of Ho ChiMinhCity,bychance.
Determine samplesize (sample size): the samplesize of thestudy group islimitedto150students.
• Qualitative research: Using the method of interviewing 10 students of BankingUniversityfromyears2to4whohavepaidtuitionfeesonline
• Quantitative research: using the descriptive method (by survey slip) with150students of Banking University, using google form as a survey with variable- relatedquestions preparedtoconductthesurvey.
Importand preparedata
Preliminaryprocessingofresultstominimizeerrors,increasedataq u a l i t y , collect foranalysis.Afterthat,thedatacollectedinthequestionnairewillbe encryptedandenteredintothedataanalysissoftwareintheformofn u m b e r s through Excel, SPSS • Depending on each question there are separate ways ofencrypting the data Enter data into Excel, remove missing, or mis-entered answers,orunreasonableanswers.
For data collected from quantitative research: When the data is obtained from atthe end of 2019 when the covid 19 epidemic broke out to now, the team conductsencryption, cleans and then aggregates the data, using the descriptive statisticalmethod and the tools in the Microsoftexcel, Google form section to process the data.All response data will be processed with the support of SPSS software In thebeginning,thedatawillbeencryptedandcleaned,removingunsatisfactoryquestionnai res,thenthroughthefollowingkeyanalyticalsteps:
TheCronbach'sAlphascalereliabilityandvalueassessmentisintendedtopreliminaril y evaluate the scale to determine the correlation between the questionentries, as the basis for eliminating observational variables, unsatisfactory scales.After removing variables that do not guarantee reliability with Cronbach's Alphaanalysis method,conductafactoranalysis.
Correlation analysis: The Pearson correlation coefficient is used to examine thelinearconnectionbetweenindependentvariablesanddependentvariables.Thecloser the linear correlation is when the absolute value of the Pearson coefficientbetweenthetwovariablesiscloserto1.
Regression analysis: is a statistical technique used to estimate the equation thatbestmatches the setof observational results of the subvariantbelong and turnindependently Therefore, linear regressioni is the appropriate method for measuringtheimpactofquantitativevariablesondependentvariables.
TheR-factordenotes the magnitude of the relationship between independentvariables and dependent variables The coefficient that explains the variability rateof dependent variables is explained by the independent variables in the model Thecloser the value to 1, the more the built model fits into the data set used to runregression The more variables are added to the model, the value will increase Inaddition, correction is a better measure of relevance because it allows for a trade-offbetweenincreasinganddecreasingtheliberalorder.
ANOVAvarianceanalysisisusedtostudytheeffectofqualitativec a u s e variables on quantitative results variables.The greater the β coefficient (standardizedregressioncoefficient),thehigheritsrelativeimportanceintheforecasto f depe ndent variables Variance magnification factor (VIF) is used to measure multi- linearphenomenainthemodel.IftheVIFcoefficient>2,thereisasignofmultilinearity, which is undesirable If VIF > 10, there is definitely multilinearity IfVIF < 2, there is no multilinearity If multilinearity occurs, the author will overcomeitbyremovingtheindependentvariablewithmultilinearity,theregressioncoefficie ntsoftheremainingvariablesfromelsewhere0andnotstatisticallysignificanttoother0stat isticallysignificant.
Accreditationhasadifferencebetweenqualitativevariablessuchasgender,subject, year to the decision to pay online tuition fees of students of Ho Chi MinhCityBankingUniversity.HCM
Inthischapter,theauthorintroducesandbuildsresearchmethods,sampleselection methods, and data processing steps after obtaining them to prepare for theanalyticalstepsinthenextchapter.
Studysamplecharacteristics
Through the results from the survey, we have the data on the gender of thestudents participating in the survey as follows: Out of the total number of surveyrespondents,73%(104)arethenumberoffemalestudentsremainingm a l e stud entsa c c o u n t i n g f o r a b o u t 2 7 % T h e n u m b e r o f f e m a l e s t u d e n t s i s a b o u t 2 times higher 7 times male students participated in the survey, this is because at theBankingSchool,thenumberoffemalestudents madeupthemajority.
The study was mainly conducted with students from year 2 to year 4, studentswho had experience paying in various forms, the chart showed that the number offourth-andthird- yearstudentsparticipatinginthesurveywas50%and45%,respectively,while second- yearstudentsaccountedforalowrateofabout5%.
44 are studying Finance and Banking, 16 are studying accountingand about 45 are currently studying other disciplines such as English language,managementinformationsystems
Statisticalanalysisdescribedwith variables
3 Ipayonline becauseofmyhabit ofnotusing cash INT3
II The"Security"factorwhenpayingmoney online SER
1 Idecidedto payforonlineschool because ofthehighsecurity SER1
2 Ic h o o s e t o p a y online b e c a u s e b a n k s h a v e m a n y forms o f ve rificationwhenpayingmoney SER2
III The"convenience"factorwhenpayingmoney online CON
1 Ic h o o s e t o p a y online b e c a u s e b a n k s h a v e m a n y forms o f ve rificationwhenpayingmoney CON1
IV The"Information"factor INF
The5- scalemodeloftheelementisindependentof (consistingof18observed variables)and1de pendentfactorscale(including3observationalvariable)
Alookatthestatisticsdescribingthefactors:benefits ofpayingforonlineeducation, the influence of personal intentions, convenience, security, information,pandemics, shows:
The minimum value of the observed variables of all factors is
Personal Intent Factor: having themean ofthe variable(INT) in range
4indicates that the respondent agrees with that view The standard deviation (Std.Deviation) of INT1, INT2, INT3 all fluctuates around the value 1 indicating that therespondentsansweringtheanswernumbersdonotdiffermuch.
Security Factor: The mean value of the SER1-SER4 variableis between 3-
3.5indicating that the respondent agrees with that view.The standard deviation (Std.Deviation) of NT1, NT2, NT3 all fluctuates around the value 1 indicating that therespondentsansweringtheanswernumbersdo notdiffermuch.
Pandemic factor:The mean value ofp a 1 , P A 2 , P A 3 , P A 4 v a r i a b l e s a r e a l l i n the range of 3-4 indicating that the respondent agrees with that view The standarddeviation (Std Deviation) of TH1, TH2, TH3,
TH4 all fluctuates around the value 1showsthat therespondentsansweringtheanswernumbersdonotdiffermuch.
Convenience Factor: The mean of the variables CON1, CON2, CON3,
CON4are all in the range of 3-4 indicating that the respondent agrees with that view Thestandard deviation (Std Deviation) of CON1, CON2, CON3, CON4 all fluctuatesaround the value 1 shows that the respondent answering the answer numbers doesnotdiffermuch.
InformationFactor: Themeanvalueofinf1, INF2, INF3,INF4, INF5s h o w s thattherespondent agrees with that view Thes t a n d a r d d e v i a t i o n ( S t d D e v i a t i o n ) of the variables fluctuates around the value 1 shows that the respondents to theanswernumbers donotdiffer much.
Cronbach'sAlphaAnalysis
The"intention"scalewhenpaying onlinetuitionfees
Table4.4: Cronbach'sAlpha Analysis(INT)
There are 3 observation variables included in the test, cronbach's alpha value ofthe scale is 0.749 >0.6 The values in the Corrected Item- T o t a l
Thus, when testing the reliability of the conformity scale with 3 observed factors,all 3 factors meet the inspection requirements of the scale So it's appropriate to takethenextsteps.
Table4.5:Cronbach'sAlpha Analysis(SER)
There are 3 observation variables included in the inspection, cronbach's alphavalueis 0 740 > 0 6 The values in the Corrected Item – Total Correlation columnare greater than0 3 This coefficient shows that the scale is up to standard and ofgoodquality.
Thus, when testing the reliability of the conformity scale with 4 observed factors,all4factorsmeettheinspectionrequirementsofthescale.Therefore,itisappropriat etotakethefollowingsteps.
The'Convenience'scalewhenpaying moneyonline
Table4.6:Cronbach'sAlpha Analysis(CON)
There are 4 observation variables included in the test, cronbach's alpha valueis0.677 > 0 6 The values in the Corrected Item – Total Correlation column aregreater than0 3 This coefficient shows that the scale is up to standard and of goodquality.
Thus, when testing the reliability of the conformity scale with 4 observed factors,all 4 factors meet the inspection requirements of the scale So it's appropriate to takethenextsteps.
Table4.7:Cronbach'sAlpha Analysis(INF)
There are 5 observation variables included in the test, cronbach's alpha valueis0.748 > 0 6 The values in the Corrected Item – Total Correlation column aregreater than0 3 This coefficient shows that the scale is up to standard and of goodquality.
Thus, when testing the reliability of the conformity scale with 4 observed factors,all 4 factors meet the inspection requirements of the scale So it's appropriate to takethenextsteps.
The'pandemic'factorwhenpaying moneyonline
Table4.8:Cronbach'sAlpha Analysis(PA)
There are 5 observed variables included in the test, cronbach's alpha valueis0.768> 0 6 T h e v a l u e s i n t h e C o r r e c t e d I t e m –
T o t a l C o r r e l a t i o n c o l u m n a r e greater than 0.3 This coefficient shows that the scale is up to standard and of goodquality.
Thus, when testing the reliability of the conformity scale with 4 observationalfactors,all4factorsmeettheinspectionrequirementsofthescale.Soi t ' s ap propriateto take thenext steps.
Cronbach'sAlphaanalysisfordependentvariables
Table4.9:Cronbach'sAlpha Analysis(DC)( SPSS20softwareresults)
There are 3 observed variables included in the test, theC r o n b a c h ' s
Corrected Item - Total Correlation values> 0 3, showing that this scale is up tostandard, ensuring very good reliability Thus, when testing the reliability of theconformityscalewith3observedfactors,all3factorsmeettheinspectionrequirements ofthescale.Soit'sappropriatetotakethenextsteps.
INF1 INF2I NF3I NF4 INF5
Theoriginalm o d e l was unchanged,still consisting of5toxicelementslậ p(18observedvariables)andonedependentelement(consistingof3observedvariables).
EFAAnalysis
Check the extracted variance variance of the elements (% Cumulativevariance)fortheindependentvariable
In the Total Variance Explained table, the standard for accepting the variance
ThetotalvarianceY,991%>50%,indicatingthattheEFAmodelisappropriate; it can then be said that these factors account for 59,991% of the datavariability.-
VerifytheKMOcoefficientforindependentvariables
Bartlett's test result is 837,059 with a meaningful level of sig = 0.000 < 0.05,(refuting the hypothesis: the observed variables are not correlated in the whole) sothe hypothesis of the factor model is not suitable will be refuted, which proves thatthedatausedtoanalyzethefactorisentirelyappropriate.
Factorloadingtestforindependentvariables
EFAanalysisresultsforindependentvariablesoftheabove-factorr o t a t i o n matrix show that the factor load factor of the observed variables is satisfied whenanalyzing the factor is the factor loading factor > 0.5 and the number of factorscreatedwhenanalyzingthefactoris5factors.
KMOtestingfordependentvariables
KMO coefficient = 0 645 satisfies the exhaustionn 0 5 ≤ KMO ≤ 1 shouldanalyzetheappropriatefactorwiththeresearchdata.
Bartlett's test results have a meaningful level of sig = 0,000 < 0.05, (refuting thehypothesis: the observed variables are not correlated with each other as a whole) sothe hypothesis of the factor model is not suitable will be refuted, which proves thatthedatausedtoanalyzethefactoriscompletelyappropriate.
Checkthevarianceoftubersafactorfordependentvariables
In the above analysis results, the total variance explained in the component lineNo 1 cumulative % has a cumulative variance value of 59,631% > 50% meet thestandard.
FactorLoadingtestfordependentvariables
EFA analysis results for the above dependent variables show that the factor loadfactor of the observed variable satisfies the condition when analyzing the factor isthe factor loading factor ≥ 0.5 and the factor created when analyzing factor
PersonCorrelationAnalysis
Looking at the Pearson correlation table above, the team found that the Pearsoncorrelation sig value between the five independent variables and the DC dependentvariable was all less than 0.05 As such, there is a linear connection between theseindependent variablesanddependentvariables.
Between independent variables, there is no correlation that is too strong whenabsolutely treating the correlation coefficient between pairs of variables is less than0.5,sothelikelihoodofamultilinear/multilinearphenomenonis alsolower.
Regression analysis
AdjustedRSquare,whichreflectsthedegreeofinfluenceofindependentvariables on dependent variables Specifically in this case, the five independentvariablesincludedinfluenced65.9%ofthechangeofdependentvariables,th eremaining 34.1% were due to out-of-model variables and random errors With avalue equal to 65.9%, this is said to be a good study and the model with 5 factorsINT,SER,CON,INF,PAissuitable.
The sig value of the F test is 0.000 < 0.05 As such, the built-in linear regressionmodelisinlinewiththeoverall.
< 0.05 (equal to 0), which means that all 5 independent variables are meant toexplainthedependentvariableinthemodel,noneofwhichareremoved.-TheVIF
< 2 coefficient shows that the INT, SER, CON, INF, PA variables are satisfied withtheinspectionandthereisnomulti-plusphenomenonofdischarge.
TheBetastandardizedregressioncoefficientcolumnindicatesw h i c h independent variable has the largest Beta coefficient, which has the most influenceonthechangeofthedependentvariable,specifically:
+SERfactorinfluenceof'Safetyandloss'factoronbankstudents'decisiontopay onlinetuitionfeesis34.6%
+INF factorinfluenceofthe 'Information' factoronthedecisionofbankstudents topayonlinetuitionfeesis30.4%
QC=0.259*INT+0.346*SER+ 0.438*CON+0.304*INF+ 0.312*PA
From the chart we see, a standard distribution curve is superimposed on thefrequency chart This curve is bell-shaped, in accordance with the graph form of thestandard distribution The mean average value is almost zero, the standard deviationis 0.983 is almost equal to 1, so it can be said, the distribution of the balance isapproximatelystandard.Therefore,itcanbeconcludedthat:Thestandarddistributionhy pothesisoftheresidualisnotviolated.
Figure4.2: NormalP-PPlot( Spss20softwareresults)
Aswecansee,thegradingpointsinthedistributionoftheresidueareconcentrated into a diagonal, so the assumption of the standard distribution of theresidueisnotviolated.
Figure4.3: Scatterplot (Source: SPSS20softwareresults)
As we can see, the allocation standardization balance is concentrated around thezero-degreetossline, sotheassumption oflinearrelationsisnot violated.
Checksampledifferences
Thehypotheticaltesthasadifferenceingenderwiththedecisiontopay for
Results of T-test analysis for 2 gender groups for variables decided to paythemonline fees
3.Sex N Mean Std.Deviation Std.ErrorMean
The results of statistical analysis described by gender (male and female) showedthat the number of observations per sample was 46 and 104, respectively. Averagevalue of the decision to choose a bank loan of individual customers in Ho Chi MinhCity.Hcmofthetwosamplesis3,978and3,941,respectively.
LevenetestresultsshowaSig=valueof0.0410.05, so there is no satisfactioninthestatistical significanceof thedecision betweenstudents of differentgenders.
Check out the differences in the academic year for the decision of
Levene testing shows that Sig=0.756 >0.05 so the group variance is uniform. Therefore,theone-way ANOVA testresultscanbe usedtodetermine whether the sample hasa n equalaveragevalue.
The One-way ANOVA analysis with a Sig value of 0.607>0.05 showed no meaningfuldifference in the average value of the decision to pay online tuition fees by students atBankingUniversityandwhatyear students were studying.
Check the differences in the field of study for the decision of
TheL e v e n e t e s t s h o w s t h a t S i g = 0 0 9 9 > 0 0 5 s o t h e g r o u p v a r i a n c e i s homogeneous.Therefore, the one-way ANOVA test results can be used to determine whether the samplehasan equalaveragevalue.
The one-way ANOVA analysis with a sig value of 0.775>0.05 showed no meaningfuldifferencein theaverage valueofstudents' decision to pay online tuition fees attheUniversityof Banking and student disciplines.
Evaluatethe results of thestudy
Afterperformingregressionanalysis andtesting thetheoreticalmodelt a k e n from150surveyscollected,thestudy foundthatthereare5factors:PersonalIntentions,S e c u r i t y S a f e t y , C o n v e n i e n c e , I n f o r m a t i o n a n d T r a n s l a t i o n F a c t o r s t o conduct analysis that affects the decision of students to pay for online education. Inparticular, all five factors are consistent with the hypotheses that were originallyproposed.
For 3 factors: gender, the student's academic year is no different because of therejectionofthe H6,H7,H8hypothesis.
The "Convenience" factor has the largest coefficient in the regression model.Theeffectoftheconveniencefactoronthedecisiontopaytuitionfeesinthef ormof online students is huge In fact, most students today are very busy with work andpersonal life, so paying money online will bring a lot of convenience in paymentsuch as savings, expenses and help students with high initiative can be completed24/7withouthavingto dependontheworkinghoursoftheschoolorthebank.
The "Safety and Security" factor has a strong influence on the online paymentdecisions of Bank students Because of the high security and security policies whenpaying money online, more specifically, BIDV Bank also directly cooperates withthe university in collecting student tuition fees, so students are very assured whenpayingthroughthebank'sonlineapps.
The"Pandemic"factorhasastronginfluenceonthedecisionsofbankstuden tsto pay for online education.Because ofthe one-year translation period, students arerequired to pay for their studies through online form due to the state's contactrestriction policies, which has helped many potential students understand and buildthehabitofpayingthroughonlineform.
The "Information" factor has a strong influence on the decisions of bank studentsto pay for online tuition Unlike traditional payments, online payments give studentsa higher speed of full and accurate information updates, students will be updatedimmediatelyuponc o m p l e t i o n o f t u i t i o n f ee s P a y i n g m o n e y on li ne a ls o m a k e s i t easier for the school to check student accounts according to electronic bills, limitingthelosscomparedtopaperbills.
The "Personal Intentions" factor that had the weakest influence in the modelshowed that students were less affectedby external factors such as friends,family,etc in online payment, however, this is still a factor that students are interested inwhen choosing the full form of online payment because of the payment habits ofstudentsthemselvesandthetrendofcashrestrictionsintheworld.
Meaning
Scientificsignificance:Towardsresearchingthefactorsthatinfluencethedecision to pay tuition fees online of students of Banking University is a matter ofconcern today,especially intheeraofmodernization,technologyinwhichallactivitiesaregraduallydigitallytransfo rmed.Moreover,forstudentswhoa r e always up-to-date and changing to bring benefits in life, it is necessary to paythrough online forms This topic will give the influence of fish factors on students'decision to pay tuition fees online and the reasons when paying tuition fees online.Thestudycontributestoclarifyingtheindividualfactorsthatinfluencedt h e decis iontopaytuitionfeesonlineat theHoChiMinh CityUniversityofBanking.
Practicalmeaning:Theresultsofthestudywillhelptogiverelevantadministrative implications in the issue of choosing the form of student payment atHoChiMinhCityBankingUniversity
The first is a statistical assessment of the turn for each variable, an assessment ofcronbach's Alpha reliability scale, the results obtained have a Cronbach's Alphacoefficientgreaterthan0.6andaresuitableforconductingEFAtesting.
Then,asanefadiscoveryfactoranalysis,theresultsobtainedbytheloadcoefficient of the surveyed variables are greater than 0.5 to meet the inspectionneeds.
Next,the authorconductscorrelation analysis, testingregression assumptionsthat produce dependent variable results and independently satisfy the requirements,assumptionsthataremetandnotviolated.
Finally,conductanexaminationofthehypothesesthataffecthubstudents'decision to pay online tuition fees The results of the analysis give no differences ingender, discipline, academic year to student decisions thus eliminating the originalhypotheses.
QC=0.438*CON+0.346*SER+0.312*PA+0.304*INF+0.259*INT
In addition, in chapter 4, the author also gives but evaluates the results of thestudyobtained,themeaningandlimitationsoftheresearchtoproceedwithconclusions andgive administrativeimplications forthe nextchapter.
In this chapter, the author will conclude a summary of the results studied fromthepreviouschaptersandgiveadministrativeimplicationsrelatedtothetopic.
Conclude
Themainfocusofthe topicistostudythefactorsaffectingthedecisiontop ayfor online education of students of The Banking University of Ho Chi Minh City.HCM From the theory of online payments, the concept of tuition fees and thecurrent forms of tuition payment, along with a reference to studies related to thefactorsthatinfluencestudents'decisionstopayforschoolonline,theauthorproposed a model of 5 factors that influence the decisions of banking universitystudents in the payment of tuition fees (it is personal intentions, security safety,convenience,informationandpandemicfactors).Qualitativeandquantitativerese arch methods are used to conclude patterns and hypotheses of the subject Thedata was collected from questionnaires with hub students aged 2 to 4, in the form ofsurveys through Google Docs in the amount of £150 Cronbach's Alpha resultsobtainallthesuggestedvariablesaremorethan0.6andvalid.
The results of linear regression testing for the model showed that groups offactors influenced the decision to pay online tuition fees of students of Ho Chi MinhCity Banking University HCM is personal intention, security safety, convenience,information, translation factor and Reference with the appropriateness of the modelis 65.9% The resultsoft h e T - t e s t s h o w e d n o d i f f e r e n c e w h e n d e c i d i n g t o p a y online tuition fees between the two gender groups Oneway ANOVA results to testthe differences of the discipline and academic year affect students' decision to paytuition fees online The results showed that there was no difference between thedifferent disciplines and academic years for the student's decision to pay onlinetuitionfees.
Administrativeimplications
Convenience
According to the results of the study,” Convenience” is thefactor that moststrongly influences the decision of students to pay tuition fees online compared totherestofthe factorswithaStandardizedBeta of0 438,thismeansthatfora one unitincreaseinConvenience,astudent'spaymentdecisionwillincreaseby0.43 8.In this factor, the factors that are emphasized because of the high rating are “I findpaying for online education very simple to use.” and” I decided to pay for onlineeducation because it took less time Therefore, banks and schools need to promotestudent- orientedaffiliateactivitieswiththemainpurposeofincreasingtheconvenience of student payments such as allowing payments in different forms notonly through the bank but also through e-wallets or in the future the school cancreate its own payment apps, especially bank accounts that can provide informationandincreasetheconvenienceforstudentsinpayingforschool.Infact,theUniv ersity of Banking is operating the e-student app, which has the function ofpaying small fees, but there are still a lot of inadequacies in operations especially itisdifficulttopay whenrequiringstudentstoownaspecializedbankaccount.Increasing convenience will make a difference and attract an increased number ofstudents to pay online, reducing the use of cash to increase professionalism toharmonize with the general trend of the world On the part of students, studentsalways improve their ability to learn and access to technology devices and smartapps is also an issue that needs to be improved, this will help students reduce theirreticence in learning The use of apps is not only for paying tuition fees, but also fortraveling,buyinggoods,payingbills…Thiswillmakelifeeasierandmore modern.
Securitysafety
Second, the results of the study show that the "Security safety" factor has thesame effect and isthes e c o n d m o s t i n f l u e n t i a l i n f l u e n c e i n t h e s t u d y v a r i a b l e s w i t h a standardized Beta coefficient of 0.346,which means
"security"i n c r e a s e s b y 1 unit, "the decision to pay online tuition fees of bank students will increase by 0.346units Unlike shopping or paying bills, school fees are often many times larger.Therefore, the bank needs to have more privacy and identity verification policiessuchasfaces,pincode,dateofbirthandbesides,keepingstudentpaymentinformat ion confidential is also a top priority for banks and schools, help increasesecuritya n d a v o i d t h e c a s e t h a t c r o o k s c a n e x p l o i t i n f o r m a t i o n l e a d i n g t o unfortunatecases.Morespecifically,universityhavetoalertstudentstofakemessages to schools or banks through the payment of school fees, now there havebeen many cases of fake tuition payment messages or fake account numbers beingsent to students, Schools should also regularly have teaching sessions for studentsabout preventing online fraud and in addition to also policies to support students inthe event of errors, this will help bank students feel more secure when makingtransactionsforonlinetuitionpayments.
Pandemic
Third,theresultsofthestudyshowedthatthe"Pandemic"factorhadanimpactin thesamedirectiononstudents'decisiontopayforonlineeducationwithstandardizedBeta coefficient of0.312,whichmeans "Pandemic"i n c r e a s e s b y 1 unit, "The decision to pay online tuition fees of bank students will increase by 0.312units Currently, the pandemic in our country and in the world has been makingmore positive changes, although this is a difficult factor to predict but also needs tohave policies to overcome , for students it is necessary to be proactive, especially inexchange and transaction activities such as paying for study in online forms becauseof policies that limit contact, as well as always keeping contact information with theschooltopromptlysolveproblems.Asfortheschool,thereshouldstillbepolicies to support students in payment such as extending the time or reducing tuition feesand encouraging students to use onl ine forms of payment, to limit cash and face-to-facecontact.
Information
Fourth, the results of the study show that the“ I n f o r m a t i o n ” f a c t o r h a s a n e f f e c t inthesamedirectiononstudents'decisiontopayonlinetuitionfeeswithstandard ized Beta coefficient of 0.304, which means "Information" increases by 1unit, "the decision to pay online tuition fees of bank students will increase by 0.346units It can be said that keeping information will help students a lot in the learningprocess and off-campus activities, however, for the payment system atBankingUniversity,theamountofinformationisstillquitelimited.Currently,n otonlythe payment of school fees but also the payment of money to print transcripts or submitdiplomas, the information of the school to students is very little and the loadingspeedisquitelong,studentscanonlyupdateinformationthroughFace bookpagesor groups, however, not all students have the time or participate in enough groups toknow the information or changes of the school In fact, there have been manysituations where students have been canceled or not recognized for their coursesbecause they have not paid or the payment deadline is unknown To fix this in thefuture the school can combine with the bank to integrate the deposit of informationavailable on the payment app such as the amount,
Expiration date or can send tostudentsrightonthepaymentappratherthannotificationsthroughgroupsonFacebook, this will help students always be aware of the information and avoid thesituationofstudents.
PersonalIntentions
Finally,t h e r e s u l t s o f t h e s t u d y s h o w e d t h a t t h e f a c t o r " P e r s o n a l i n t e n t i o n s " have the same effect on the decision of students to pay for online education, this is afactor derived from the student's own with standardized Beta coefficient of 0.259,which means "Personal Intentions" increases by 1 unit,
"the decision to pay onlinetuition fees of bank students will increase by 0.259 units. Therefore, in the future, inaddition to the development policies of the state, students try to make clear plans forthe development of the future and always update new information and trends in theworld so as not to fall behind in the development of the country, thus helping toincreasetherateofpaymentanduseofelectronicservices,supportingformhab itstodevelopselfandreducetherateofusingcash.
Limitationsof research
Limited in time and experience, the study was conducted only with a smallsamplesize(n0),sothestudyresultswerenothighlyaccurate.
The topic only mentions a few factors that affect the decision of students to pay foronline education,buttheremay stillbeinfluencingfactorsthat thet o p i c h a s n o t fullyexplored.
There is no guarantee ofa c c u r a c y a n d h o n e s t y i n t h e s u r v e y a n s w e r , b e c a u s e therearerespondentswhoarenothonestordonotreadthequestionwhenansw ering.
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QUESTIONNAIRE SURVEYING BANK STUDENTS ' OPINIONS
II The"Security"factorwhenpayi ngmoney online 1 2 3 4 5
I choose to pay online because bankshave many forms of verification whenpaying money
I feel that paying for online educationis vulnerable to personal informationbeingexposed.
III The "convenience" factor whenpayingmoneyonline 1 2 3 4 5
I choose to pay online because bankshave many forms of verification whenpaying money
2 I find paying for online education verysimpletouse 1 2 3 4 5
2 I always get all the information when
I can check the amount when payingfor online education through my bankaccount.
Thepandemicwasthefactort h a t made me change my decision to paymytuitionfees.
Total %ofVariance Cumulative% Total %ofVariance Cumulative%
Analysis.RotationMethod:VarimaxwithKaiserNormalizati on. a.Rotationconvergedin5iterations.
DC INT SER CON INF PA
1 819 a 671 659 1879 2.271 a.Predictors:(Constant),PA,SER,CON,INT,INF b.DependentVariable:DC
Model Sum ofSquares df MeanSquare F Sig.
Total 15.434 149 a DependentVariable:DC b Predictors:(Constant),PA,SER,CON,INT,INF