2

17 ..2556

An Efficiency Model of Management

for Electronic Payment System in Thailand

Sunee Youngsawang

1)
2) 3)
4)

6
/




84.60 89.50
(0.994)
(0.307) (0.165) (0.152) (0.123)
(0.081 (0.010)
E = -0.198 + 0.123M - 0.081K - 0.010L 0.307R + 0.152A + 0.994T + 0.165IT

Abstract
The study of Efficiency Model of Management for Electronic Payment System in Thailand was
aimed to (1) explore factors effecting the efficiency of management for electronic payment system in

; E-Mail: suneeyo@bot.or.th

[112]

 2
17 ..2556
Thailand, (2) investigate obstacles having impacts on the management of electronic payment system in
Thailand, (3) purpose a model of Efficiency of Management for Electronic Payment System in Thailand,
and (4) suggest guidelines for electronic payment system development in line with the Bank of Thailand
(BOT) policy on financial management. In regard to research methodology, mixed method of quantitative
and qualitative research was employed. Research population and sample group consisted of 6 groups of
entrepreneur including finance, public transportation, retailers, insurance/life insurance, government
entities, and media, as well as relevant BOT staff members and academia. Statistics used for data analysis
included percentage, frequency distribution, mean and standard deviation. Statistics for hypothesis testing
were obtained from multiple regression analysis as a mathematical model established to precisely predict
influence of variables and to be consistent with concepts, theories and related research. With respect to
research results, the study found that all independent variables had relationship with the efficiency of
electronic payment system management of 84.60 percent, and was able to predict the efficiency of
electronic payment system management of 89.50 percent. For regression coefficient (Beta) it was found
that beta of transparency was 0.994, risk management (0.307), information technology (0.165),
accountability (0.152), management (0.123), knowledge management (0.081), and leadership (0.010). The
analysis resulted in a multiple regression model to forecast the efficiency of electronic payment system
management as follow: E= -0.198 + 0.123M - 0.081K - 0.010L - 0.307R + 0.152A + 0.994T + 0.165IT. All
partier involved can apply the model to the context of their organization in order to develop sustainable
electronic payment system.

( , 2546)
( , 2551) (2552: 18)

[113]

 2
17 ..2556
(2554)
(BAHTNET)
ITMX Bulk Payment
(Pre-authorized Direct Credit/Direct Debit)
(2555)
1 3

Cashless



1.

2.

3.

(CrossSubsidization)
4.




5.

[114]

 2
17 ..2556
(Anti-Money Laundering
and Combating the Financing of Terrorism - AML/CFT)

6.



7.

(Payment Frauds)

20

(Vision) .

1.
2.

[115]

 2
17 ..2556
3.
4.

(Administrative Theory) (Knowledge Management) (Leadership Theory)
(Risk) (M.I.S.)
1
1.
2.
3.
4.
5.
6.
7.

(Mix Method)

(Quantitative Research) (Qualitative Research)

6
/
(Yamane. 1970: 500-581) 400
(In-depth Interview)
5

[116]

 2
17 ..2556

SPSS (Percentage) (Frequency)

( X ) (S.D.)
2 T-test 3 F-Test One-Way ANOVA
0.05 Correlation,
Multi- Regression Math Model

= 0 + M 1 + K 2 + L 3 + R 4 + A 5 + T 6 + IT 7
0 = Y X = X =.. .=X = 0
1
2
k
1 , 2 , 3 , 4 , 5 , 6 7 (Partial Regression

coefficient)

(Regression)
1

SE B

Beta

(Constant)

-0.198

0.130

0.123

0.039

-0.081

Sig
-1.522

0.129

0.118

3.181

0.002

0.096

-0.079

-0.835

0.004

-0.010

0.145

-0.009

-0.071

0.044

-0.307

0.168

-0.221

-1.825

0.019

0.152

0.071

0.162

2.130

0.034

0.994

0.036

0.917

27.868

0.000

[117]

 2
17 ..2556
IT

0.165

0.123

0.125

1.347

0.017

R= 0.846, R2 = 0.895, F = 378.027, Sig.= 0.000

* 0.05


84.60
89.50

(Beta) (Beta = 0.994)
(Beta = 0.307) (Beta = 0.165) (Beta = 0.152)
(Beta = 0.123) (Beta = 0.081 (Beta = 0.010)

E = -0.198 + 0.123M 0.081K 0.010L 0.307R + 0.152A + 0.994T + 0.165IT

(2548)





(Orr
&persson, 2003)
[118]

 2
17 ..2556
(performance indications for measuring performance of activities inknowledge management projects)
department of informatics, university of Gothenburg 2





(Steers, 1991)





(Warren Bennis, 1991)

(leadership)
(Hater & Bass, 2002)

(2543)









[119]

 2
17 ..2556










(2547) BAHTNET :


(2544)

1.
1.1

1.2

[120]

 2
17 ..2556
1.3

2.
2.1

2.2

.2543. .:
.
. 2544. E - money : 2544. :
.
,,. 2542. ( ). : .
. 2548.
. .
Moutaz, A. 2005. A study of e-banking security perceptions and customer satisfaction issues. Retrieved
March 15, 2005, from http://www.lib.umi.com/dissertations/ fullcit/3167808.
Tanaka,T. 1997. Possible Economic Consequences of Digital Cash. First Monday No.2,
http://www.firstmonday.dk/issues/issue2/digital_cash.
. 2552. . 18 2552,
http://www.bot.or.th/bothomepage/BankAtWork/Payment/Highlight/Payment2004_Conferen
ce/Payment_2004.pdf
. 2554. 2554

[121]