CHAPTER 4

DATA PRESENTATION, ANALYSIS AND INTERPRETATION

This chapter provides answers to each statement of the problem cited in this study through
presenting the analysis and interpretation of the data collected by the researchers from the respondents’
answers to the survey questionnaire, specifically research-made questionnaire. Moreover, infographics
were presented by the means of using tabular method that included the results and findings where the
varied statistical tools and instruments were utilized.

Table 1.a
Profile of the Respondents According to Age
N = 228

Age Frequency Percentage

25 years old and below 36 15.8

26 – 35 years old 82 36.0

36 – 50 years old 84 36.8

51 years old and above 26 11.4

Total 228 100

The findings of this study, as shown in table 1.a above, show that in terms of age, 36.8% aged 36 – 50 years
old of the respondents answered the questionnaire, 36% were 26 – 35 years old, 15.8% were 25 years old and below,
and 11.4% were 51 years old and above.

This data imply that majority of the respondents are adults from 36 – 50 years old age category.

Table 1.b
Profile of the Respondents According to Sex
N = 228

Sex Frequency Percentage

Male 79 34.6
Female 149 65.4
Total 228 100

Moreover, in table 1.b that presented the profile of the respondents according to sex, females outnumbered
males. Specifically, females consisted of 149 students, or 65.4 percent, while males consisted of 79 respondents, or
34.6 percent. It shows that female respondents outnumbered male respondents by 29.2 percent. According to the
study of Indarwati and Sista (2019) about Gender Difference Between Payment Point Online Banking Users, women
pay more attention online than men. Thus, this only explain the high number of the female respondents of this study.

Table 1.c
Profile of the Respondents According to School
N = 228

School Frequency Percentage

Emmanuel’s Way Educational 2 1.0

Institute Inc.
Marianne College of Science 2 1.0
And Technology
Saint Vincent’s Catholic School 14 6.0
Of Bayambang, Inc.
A.P. Guevarra Integrated School 7 3.0
Beleng National High School 9 4.0
Hermosa National High School 11 5.0
Mosies B. Rebamontan National 16 7.0
High School
Sanlibo National High School 12 5.0
Tanolong National High School 11 5.0
Tococ National High School 16 7.0
Bayambang National High School 121 53.0
PSU Laboratory Integrated School 7 3.0
TOTAL 228 100

Furthermore, the table 1.c above presented the profile of the respondents according to the school
last attended. It was shown that almost half of the respondents were from Bayambang National High
School with a frequency and percentage of 121 respondents and 53 percent respectively. Also, 16
respondents each or 7 percent of the total population were from Moises B. Rebamontan National High
School and Tococ National High School. The rest (i.e 1 percent – 6 percent) of the population were from the
other given schools.

utilized.

Table 2.a
Respondent’s Preferences in Online Transaction
N = 228 (Multiple Responses)

Online Transaction Frequency Percentage

Bills Payment 182 79.8

Online Shopping 157 68.9

Load 95 41.7

Loans 37 16.2

Others 0 0

The table presented above shows the respondents’ preferences in online transaction. It can be
shown that most respondents transact virtually through bills payment with a frequency of 182 which is
equivalent to 79.8 percent. Also, 157 or 68.9 percent of the respondents used online transaction through
online shopping. Followed by 95 or 41.7 percent for load online and 37 or 16.2 percent for availing loans
online. While no one of the respondents chose others as an option for online transaction.

Table 2.b
Respondents’ Frequencies in Online Transaction
N = 228

Frequency Count Percentage

Daily 34 14.9

Several Times a Week 68 29.9

Several Times a Month 126 55.2

Total 228 100

The table above shows the respondents’ frequencies when it comes to online transaction.
According to the data presented in table 2.b, majority of the respondents transfer funds online several
times in a month with a frequency of 126 or 55.2 percent. Also, 68 respondents of 29.9 percent use
electronic transaction several times a week. Daily frequency of 34 respondents or 14.9 percent ranks the
lowest.

Table 2.c
Respondents’ Preferences in terms of Mobile Payment Application
N = 228 (Multiple Responses)

Mobile Payment Apps Frequency Percentage

Gcash 208 91.2

Paymaya 55 24.1

Apple Pay 8 3.5

Google Pay 16 7.0

Samsung Play 1 0.4

Palawan Pay 32 14.0

Shopee Pay 80 35.1

Lazada Pay 31 13.6

Paypal 24 10.5

Venmo 0 0

Others 6 2.6

The table 2.c above presented the respondents’ preferences in terms of mobile payment
applications. It was shown that most of the respondents preferred GCash app that comprised of 208
respondents or 91.2 percent. While Shopee Pay app places 2nd which comprised of 80 respondents or 35.1
percent. Furthermore, Paymaya app which was chosen by 55 respondents or 24.1 percent, places the third
most preferred app when it comes to online transaction. It then be followed by Palawan Pay app with 32
counts or 14.0 percent, Lazada Pay app with 31 counts or 13.6 percent, Paypal app which comprised of 24
respondents or 10.5 percent, Google Pay app with 16 counts or 7.0 percent, Apple Pay app with 8 counts or
3.5 percent, and others with 6 counts or 2.6 percent. Venmo App had not been the option of the
respondents when it comes to preferred mobile payment application.

The tables below show the factors that influence the use of mobile payment for online transactions
according to their average weighted mean with its corresponding interpretation.

Legends

AWM Average Weighted Mean

1-1.175 Highly Uninfluential

1.76 – 2.5 Moderately Uninfluential

2.51 – 3.25 Moderately Influential

3.26 – 4 Highly Influential

Table 3.a
Average Weighted Mean of the Respondents’ Convenience in Online Transaction

Convenience AWM Interpretation

1. Cashless Payment 3.35 Highly Influential

2. No hassle in time 3.33 Highly Influential

3. Work with all types of devices 3.30 Highly Influential

4. Access to mobile internet 3.48 Highly Influential

and network coverage
5. Low transaction fee compared 3.27 Highly Influential
to traditional payment methods
Overall 3.35 Highly Influential

In table number 3.a, the findings of the study stated the influence of mobile payment for online
transaction in terms of convenience among the selected 228 respondents. All of the respondents
considered all of the indicators for convenience as highly influential with an overall average weighted mean
of 3.35 under the range of 3.26 – 4. This data imply that most of the respondents prefer to pay online
because it is convenient and it saves time.

Table 3.b
Average Weighted Mean of the Respondents’ Security in Online Transaction

Security AWM Interpretation

1. Security assurance of mobile 3.19 Moderately Influential

payment for online.

2. Privacy protection in personal 3.16 Moderately Influential

Information and social account.

3. The use of biometric authentication. 3.10 Moderately Influential

4. The advanced fraud detection and 3.30 Highly Influential

prevention mechanism.

5. Data Encryption 3.14 Moderately Influential

Overall 3.18 Moderately Influential

(describe the data)

 Table 3.c
Average Weighted Mean of the Respondents’ Rewards/Discounts in Online Transaction

Rewards/Discounts AWM Interpretation

1. Voucher that provides no 3.35 Highly Influential

Additional cost.

2. Discounts on paying bills. 3.34 Highly Influential

3. The cash back reward offered by 3.29 Highly Influential

the mobile payment apps.

4. Earning referral bonuses. 3.20 Moderately Influential

5. Discount coupon codes for 3.21 Moderately Influential

next purchase.

Overall 3.28 Highly Influential

(describe the data)

 Table 3.d
Average Weighted Mean of the Respondents’ Rewards/Discounts in Online Transaction

Speed AWM Interpretation

1. Mobile payment processing. 3.35 Highly Influential

2. Payment Confirmation. 3.20 Moderate Influential

3. Quick setting up mobile payment account. 3.32 Highly Influential

4. Fast Transaction Times 3.19 Moderately Influential

5. Speed of check out 3.31 Highly Influential

Overall 3.27 Highly Influential

Describe the data.

Recommendations for the mobile payment provider to improve their system.

1. Widen the access to other technology or devices.

2. Add more incentives to frequent users.
3. Provide an easy access to the application where diverse users can cater (seniors, PWDs, illiterate)
4. Ensure more security to make it difficult for hackers to access client’s data.
5. Keep request information to minimal.