Title for a Full Paper

Authora and Authorb

a
Affiliation, Country, e-mail

b
Affiliation, Country, e-mail

Abstract
Please provide a short and clear abstract of your paper around 200-300 words. The abstract
should contain research objectives, methodology, findings, discussions, and recommendation.
This example provides detailed suggestions for writing the background, methods, results, and
recommendations.

Keywords: abstract, preparing a manuscript, writing skills, grammar

1. Background
This section should provide readers about research background, research problems, objectives
and the contributions of your paper. What is already known about the subject and what is not
known about the subject and hence what the study intends to examine or what the paper seeks
to find out.

2. Literature
Related literature should be reviewed to support the research issues and develop a research
framework. Please review or summarize the literature that connect to your research areas and
identify the gaps in the literature as well as how your research will fulfill the research gaps.

Please provide a conceptual framework after the literature review.

Research hypothesis may be given at this stage.

3. Methods
The methods section should contain enough information to enable the reader to understand
what and how the study was done (e.g. samples, sampling method, research instrument, data
analysis).

4. Findings
Findings should be given regarding profile of respondents and major findings corresponding
to research objectives.

1
Table 1: Description of the samples
Numbers of Percentage Number of Percentage Percentage
respondents of NR to online of NOB to of NOB to
(NR) number of banking number of NR
TR* (NOB) TA**
Male 434 50.35% 131 48.34% 30.18%
Sex
female 428 49.65% 140 51.16% 32.71%
20 ≦age＜25 168 19.49% 32 11.81% 19.05%
25 ≦age＜30 237 27.49% 97 35.79% 40.93%
30 ≦age＜35 119 13.81% 58 21.40% 48.74%
total 35 ≦age＜40 96 11.14% 34 12.55% 35.42%
adopters
40 ≦age＜45 94 10.90% 26 9.59% 27.66%
Age
45 ≦age＜50 70 8.12% 14 5.17% 20.00%
50 ≦age＜55 40 4.64% 6 2.21% 15.00%
55 ≦ age 38 4.41% 4 1.48% 10.53%
High School or
85 9.86% 14 5.17% 16.41%
below
Education Junior college 266 30.86% 90 33.21% 33.83%
University 457 53.02% 145 53.51% 31.73%
Master or above 54 6.26% 22 8.12% 40.74%
20000 ≦ 84 10.21% 12 4.43% 13.64%
20001-30000 44 5.10% 4 1.48% 9.09%
30001-40000 240 27.84% 85 31.37% 35.42%
Salary 40001-50000 237 27.49% 87 32.10% 36.71%
50001-60000 127 14.73% 43 15.87% 33.86%
60001-70000 49 5.68% 14 5.17% 28.57%
≧ 70001 77 8.93% 26 9.59% 33.77%

5. Discussions
Discussions should be addressed how the current research is consistent to past research
together with the reasons of the findings.

6. Recommendations
Appropriate recommendations (with some details) should be proposed.

7. References
APA style