Professional Documents
Culture Documents
Submitted By:
Kirti Bafna
PGDM
I feel very obliged while writing this research paper. I am thankful to Jaipuria
institute of management for providing us this opportunity to learn and research on
this impactful topic.
I would also like to thank Whitehat jr and Jaipuria institute of management for
making this course mandatory for us.
This helped us in learning how research is being conducted, its different methods and its
uses. My special thanks to Dr. Swati Soni and Mr. Avinash Ashok who helped us
throughout our research and took out his precious time for making our research more
effective.
Thank you,
Kirti Bafna (PGFB2024)
TABLE OF CONTENTS
CHAPTER 1 INTRODUCTION
CHAPTER 7 CONCLUSION
CHAPTER 8 REFERENCES
CHAPTER – 1
(INTRODUCTION)
1.ONLINE LEARNING PLATFORMS
The new era of digitalization has showed a surfeit of chances in information and exchange
knowhow which has yielded enormous revolution in the online learning.
Online Learning encompasses a variety of technologies like the worldwide web, email, chat,
new groups and texts, audio and video conferencing delivered over computer networks to
impart education. It helps the learner to learn at their own pace, according to their own
convenience. Online Education requires a great deal of resources and careful planning. In this,
teachers act as facilitators instead of transmitters of content knowledge, and ICT is considered
resource that enhances the training experience of scholars. Learners learn through e-learning
tools which are available to all. E-Learning has brought back the enjoyment in learning through
its innovative and interactive content delivery and has proved to be more appealing among
students.
3. STATEMENT OF THE PROBLEM – Online learning platforms are very favored in this
ultra-modern era and many of individuals are making use of the this. Hence, in this study we
are basically concerned to find out the perception of individuals on online learning platforms
and to find out the important factors that activates the consumers with regards to online
learning.
CHAPTER – 2
(ORGANISATION OVERVIEW)
Originated in 2018, Whitehat Jr is an ed-tech podium that teaches students coding, math and lots of other
subjects through one-on-one video classes with instructors. The start-up has been in news ever since EdTech
unicorn BYJU’S acquired it for USD 300 million.
Started in 2018 by Karan Bajaj, Whitehat Jr offers AI courses for children of age 6 to fourteen years.
Whitehat Jr aims to authorize children so that they view themselves as creators.
The app helps children learn computer programming and encourages them to create games, animations,
applications and more. The start-up works with a live one-on-one online teaching format and a thoroughly
researched curriculum. The subjects range from arrangement , app and game development to machine
learning and space technology.
It offers four levels of courses -- beginner, intermediate, advanced and professional -- for students in grades
1-12. The Mumbai-based startup currently has over 7,000 teachers on its platform.
WhitehatJr Acquisition -
Byju’s, which is esteemed at USD 8 billion per a report, said coding is fast developing as a key skill for the
future and the purchase will help it enlarge offerings in the US and India. Byju’s made substantial
investments in Whitehat’s technology platform and merchandise innovation, while expanding the teacher
base to cater to demand from new markets, the statement said.
Recently, WhiteHat Jr said it is storming up its women-only teacher base in India, adding about 220 teachers
a day and plans to have about 20,000 tutors on its platform by year end. The ongoing ramp-up is to match
the growing base of students across multiple countries including India, the US, Canada, the UK, Australia,
and New Zealand, a statement said.
Mission - Our aim is to become one of the most preferred education technology platforms across the globe.
Vision - We believe in the power of one-to-one learning that addresses every child's learning needs, allows
students to be holistically involved in their education and be active, lifelong learners.
Values – Innovation
Work Culture –
Work culture is a straightforward requirement to sustain and grow in a company. Companies like Google
and Tesla are known for his or her "Chill" work environment, where the employee's psychological state is
given a priority. Many office settings are choosing an off-the-cuff environment for better productivity. The
results are assertive.
The company absences an ethical HR structure to furnish to the problems raised by employees. With abusive
leaders/managers and excess unpaid clocked time, employees have quit in a span of just two to three months
of joining. Parents who were forced into buying the products say that the salespersons were aggressive and
called incessantly.
Whitehat jr offers a handsome amount of 4 lacs once a year package for entry level joiners who enter the
organization as freshers. However, employees have shown utter dismay stating that the figure quoted to
them during the interview was a faux figure and the actual remuneration is below expectations. BDAs seem
to be the foremost disappointed across all the departments within the company.
Many reviews on several job portals point towards a bad and unsustainable work life. Employees who have
quit whitehat jr have shed some light over how the EdTech company is entirely focused on generating
revenues.
Others suggest that the company is fast paced and expects prompt delivery from its employees. People have
fewer complaints as we climb higher within the organizational structure. If we were to mix all the
feedback, the typical answer would be that the BDAs are under harsh scrutiny and therefore the work
environment is nothing but toxic.
While most companies try unconventional methods to form office hours to be less intimidating, Whitehat jr
- India's largest EdTech is trapped during a row for having the worst work culture. Employees who have quit
have allegedly accused it for having a horrible work environment.
Originated in 2018, Whitehat Jr is an ed-tech podium that teaches students coding, math and many
other subjects through one-on-one video classes with instructors. The start-up has been in news ever
since EdTech unicorn BYJU’S acquired it for USD 300 million.
CHAPTER – 3
(INDUSTRY ANALYSIS)
PESTLE ANALYSIS
Economic Result - Hit rigid by the COVID-19 Pandemic, the Indian economy is probable to
contract by 40% by Q1 of 2021, and the GDP is imaginary to shrink by 4% during the current
financial year. The Pandemic has taken a toll on the unemployment rate, which rose from 6.7%
in March 2020 to 26% by May 2020. Around half of the businesses in the country are likely to
be squeezed drastically.
Amongst this vagueness, the industry that grew meaningfully was the EdTech industry due to
constant and weighty investment by Government, Pupils, Professionals, Educators, and Parents
globally. In India, the Nationwide Lockdown has substantially boosted the EdTech industry as
tutoring goes online. During this era , the EdTech industry has successfully doubled its user
base from about 45 Million in 2019 to 90 Million in 2020. It is also projected that the industry
will keep
rising at a CAGR of 52% and become a 2-billion-dollar industry by 2021. The details for this
growth are
1. Upsurge in the use of the internet and smartphones and their deep infiltration into Indian
households.
2. EdTech podiums are cost- effective and have the capability to serve a wide base of audience.
3. Constructing on the hypothesis that people acquire more by seeing rather than merely
reading from the textbook.
Whitehat jr, better known as BYJU’S sister concern, is India’s fastest growing EdTech
platform. Byju. Whitehat jr. witnessed a 100% grown rate in the past three years. The major
investors are Bond Capital, Tiger Global, General Atlantic, Naspers, Sequoia Capital India,
Tencent, Lightspeed Ventures. Whitehat jr. believes in aggressive marketing strategy, and
given the Pandemic, Whitehat jr. offered free access to their coding and math class. This
change was successful in attracting 13.5 million users in April and May 2020 alone.
BYJU’S is also now expanding its market by getting into teaching programming and coding
with the recent acquisitions of White-Hat Junior for 300-million-dollars. With the acquisition
of OSMO for 120- Million- Dollars BYJU’S, an online educational gaming platform, it is
trying to tap the market segment with students from age 3-8.
Socio-Cultural – Whitehat jr. is an informative technology and online learning platform which
is based on graphic and interactive learning. According to the Social Science Research,
65 percent of the world population are visual learners. Many scientific journals also estimate
that visual learning can improve retention capacity up to 400 percent. These are some of the
reasons why whitehat jr started with the visual learning concept.
They wanted to transform the culture of Education in India from memorization to active
holistic learning. Initially, they started teaching coding, But soon found out that to be best
effective with the visual interactive learning concept, they need to target the segment where
learning capacity is the maximum and who are flexible enough to shift towards a web platform
quickly. India has one of the lowest Teacher-Student ratios as 1:35, and whitehat jr have used
the online platform to provide quality teachers to each and every user keeping the ratio of 1:1.
Apart from this, they uses data science to understand the student's needs and ensures a very
personalized learning experience. So a mix of visual interactive learning, quality teachers,
personalized experience has made it the most important ed tech company within the world. It
has also started a replacement revolution in India where parents want their children to find
out by doing and seeing instead of just memorizing reflected by the very fact that RedSeer and
Omidyar Network India limited estimated that India's ed-tech market will touch $3.5B by 2022.
Apart from changing how education is perceived in Urban India, Whitehat jr have also been
reaching the Indian rural population. Initially, it focused on urban parents who were seeking a
customized learning experience for his or her children, but with data being so cheap and
therefore the growth within the number of Smartphone users in India it became a
really accessible tool to find out for youngsters belonging to rural parts of India also and with a
fanatical effort from the corporate in maximizing it,
The Indian education system goes through a change evident by the new Education bill where
practical, interactive learning is given utmost importance. Technology is additionally rapidly
evolving, and other people are becoming quick access to handheld devices like smartphones.
With this changing scenario and being the most important ed-tech company, Whitehat jr finds
itself during a very exciting position. It is not only changing the culture of education in India
but also stimulating social change by giving access to higher education for children from rural
India and enabling girls to learn from the comfort of their homes. In this way, playing a major
role in Indian Socio- Cultural spectrum.
PORTER’S FIVE FORCE ANALYSIS
Threat from Competition – E-learning podiums are the upcoming businesses and the buzz word in
the time of pandemic. The pandemic has forced almost all forms of education to move online. It has
made us realize that traditional classroom teaching can be, to some extent, substituted by online
learnings. The option of online learning helps people to own pace and convenience. It can also be
suitable for professionals who are looking for skill enhancement, without the need to leave their job
and joining a traditional school. Online education has seen a massive boost since lockdown, and
almost all the online platforms have made their content available for free in the lockdown. Even
in a challenging environment, EdTech is expected to be a very hot sector for VC investment,
according to a KPMG report. India's Ed-Tech is expected to north of 2 billion dollars by the end of
2022. If this does happen, the Indian education sector can change forever. Affirming this is the fact
that EdTech start-ups have raised more than 20 Million Dollars since May 2020. Keeping this in
mind, the threat from existing competitors has been exponentially in the current scenario.
Whitehat jr. has some strong competitors both in International markets and in Indian
markets. One of the biggest rivals is Unacademy.
Finally, the Indian Ed Tech sector is highly competitive. It is expected to be even
more competitive due to new and established players receiving higher funding
levels in the latest capital raising rounds.
Buyer Power - Indian students traditionally have had low options in terms of available educational
tools online. The Internet is a relatively newer technology in India, with its popularity rising only
early 2000s. Ed-Tech has even been slower to make its mark in the
Indian market. One of the early Ed-tech companies in India was Meritnation, founded in the second
half of the first decade of 2000. Since the early 2007s, several startups have popped in the Indian
educational market, providing educational resources online. The amalgamation of Technology and
education was initially seen with a skeptical lens. It was in the early 2010s that the sector started
attracting a lot of attention both from users and investors. Since then, in terms of Individual buyers,
there has a proliferation of Ed-Tech companies and has provided buyers with some degree of
freedom of choice. This has empowered buyers and, thus, has forced companies to compete for
market share through pricing and product differentiation. It has a unique selling point of employing
Artificial Intelligence-based technologies and interactive learning. Whitehat jr at the same point is
still collaborating with Disney to launch an early learning app to tap into the potential market. The
availability of such platforms has increased the buyer’s power as the cost of switching to an
alternative platform is also generally low, and the process is easy to follow.
In terms of Business to Business buyers, the lack of such a framework for B2B by Whitehat jr will
be a major disadvantage, especially with the entry of players like Udemy and Coursera into the
Indian market. In this sector, the buyers have a low power due to the lack of options.
Supplier Power – is high, the main suppliers to the company are the teachers. The need and
demand of quality teachers have increased many folds recently. The pool of teachers available also
shrinks due to the platform used by Whitehat jr. Since, a lot of teachers are uncomfortable with the
online mode of teaching and aren’t tech savvy, the demand for those who are, has increased. This
gives them high bargaining power.
Finally, all the suppliers to Whitehat jr are present in a market where their services are in high
demand and are expected only to grow in the future. This gives suppliers more bargaining power
and thus higher over power.
Threat of New Entrants - The Indian education industry is the largest in the world, with about 1.1
million government schools, 3,50,000 private schools, 40,000 colleges, and 9000 universities. Today
the largest player in the education industry is technology. Technology brings in a newer model of
learning while also restructuring the conventional models. Indian EdTech industry has a user base of
over 90 million customers in 2020. BYJU’S is one of the largest and oldest market players in the
EdTech industry, with a vast and robust customer base of 57 million downloads and 3.5 million paid
users. According to a report by KPMG, the EdTech industry is expected to grow eight folds to a 2-
billion-dollar sector by 2021.
The threat of new entrants helps us in understanding how the new market players
will affect the existing market players in the EdTech industry. The factors facilitating
new entrants into the market are Government policies, cheaper alternatives, the
better quality of material, and lack of brand loyalty. The programs like Digital India,
Skill India, emphasis on vocational training, and the new education policy has
increased the investment in the EdTech industry. The new entrants and their current
market valuations are: WonderSchool launched in 2016 with a current 24.1 million,
Toppr launched in 2013 with a current valuation of 108 million, Udacity launched in
2011, Udemy launched in 2010 with an existing user base of 50 million.
Whitehat jr can tackle the threat of new entrants by working on increasing the brand
image and brand loyalty by improving their customer relationship management. It
can work on building a long-term contractual relationship with distributors to widen
its target marketplace. It can continuously invest in research and development
activity, using the feedback received through its customers to keep the content up to
date and cost-effective.
Threat of Substitutes –
SWOT ANALYSIS
BCG MATRIX
Dogs - The artificially flavoured product business was launched recently by Whitehat jr to diversify
their products, but the market research was not done carefully.
Cash Cows - The supplier management premeditated unit of Whitehat jr has been profitable. It has
gained trust in the market with a enormous chunk of market share being a by- product. Investment
can be made, but only after it is sure that the companies are outsourcing their logistics. It does not
seem the case, hence keeping the status quo is the right way ahead.
Star - In the BCG matrix, Stars stand for that business where a company has a considerably large
market share, and the business's industry is also growing at a fast pace. For Whitehat jr coding
classes, strategic business is the Star according to the BCG matrix.
In general, the business shows good potential for growth in the future because the consumers are
demanding more products like music, and Whitehat jr also earns a considerable profit from it.
Ideally, to grow further, Whitehat jr needs to focus on increasing and investing considerably in
product and development that will give rise to new products.
Question Mark - The question mark stands for a business where growth potential is high, but the
company has a small market share. For Whitehat jr, the strategic business unit is a
question mark. The learning can invest more in research and development to create unique products
and gain market share, which can be a great strategy.
CHAPTER – 4
(RESEARCH METHODOLOGY)
Research methodology is a way to systematically solve the research problem, as to
how research is done scientifically. It consists of the different methods that generally adopted
by researcher to study his research problem along with logic behind them. It is necessary for
the researcher to develop certain tests.
Marketing research specifies the information required to address these issues; designs
the method for collection information manages and implements the data collection
process; analysis the results and communication the findings and their implication.
Research Definition:
“Research is careful inquiry or examination to discover new information and relationship and
to expand and to verify exiting knowledge,” Research always starts with questions or
a problem. Its purpose is to find answer to questions through the application of the scientific
method. It is a systematic and intensive study directed towards a more complete knowledge of
the subject studies.
Source of Data
a) Primary data: -
The primary data is that which details we collect first time from the market and also used first
time in the research. We also say that the information is first time in the research decision.
Primary Data are the data is collected from direct sources using methods like surveys
or interview. It is gathered in light of the examination venture, directly from primary sources.
As we have collected responses from our surveys, now as per the result we will be analyzing
the factors impacting consumer perception towards digital payment system. Primary research
methods can be qualitative or quantitative in nature. Qualitative research aims to provide
insight and in-depth understanding of the problem, while quantitative research aims to
quantify the data by applying some form of statistical analysis
b) Secondary data: - Secondary data are those data which are already collected by
someone for some purpose and are available for the present study; secondary data are
already collected by the internet, journals, research papers and library’s books.
When the secondary data are sufficient, the researcher has to be satisfied with the
primary sources of data. Secondary data can be used as bases for comparison with primary
data have been collected by questionnaire. Secondary data can be grouped into three
distinct subgroups: narrative, various source, and review. Narrative second and
information comes in both composed and non-composed structure. The
information can be gathered from sources, for example, diaries, databases, transcripts and
so forth. This type of information is reliant on the entrance the specialist needs to it. Study
based auxiliary information is the information that is gathered through the overview
and is accessible as information table structures. Various source Secondary data
information n that has been assembled into narrative or study structure; the primary
qualities of this kind of information is that it has been changed into an alternate
structure before there searcher is surveying the information. The Secondary data that
we utilized for our exploration is information that has additionally lead to the finish
of which factors that will be inspected. The numerous source information that we have
utilized has been so as to pick which item we would use for our examination so as to have
the capacity to discover the item that is most broadly purchased over the Internet.
Sampling plan
Sampling is a process of obtaining. The information about the entire population by examine a
part of it. The effectiveness of the research depends on the sample size selected for the survey
purpose.
Sampling Unit: -
For the purpose of proper survey, there is need of perfect research instruments to find out
sample size for more accurate result about consumer perception towards digital payment
system. There were 114 respondents.
Sampling Method: -
Data analysis: -
First part - The questionnaire includes the entire relevant question so as to provoke
Second part - There are some closed ended questions which are incorporated in the
questionnaire.
Third part - The questions were able to fully cover the themes
concerned.
2.8 Analysis of data through statistical tools
1. ANOVA
2. CHI- Square Test
3. Pie diagram
4. Bar diagram
Chi-square test is a non- parametric test. It is used most frequently by marketing researcher to
test hypothesis. This is employed for testing hypothesis when distribution of population is not
known and when nominal data is to be analyzed.
ANOVA: -
Analysis of Variance (ANOVA) is a statistical method used to test differences between two
or more means. It may seem odd that the technique is called "Analysis of Variance" rather
than "Analysis of Means." As you will see, the name is appropriate because inferences
about means are made by analyzing variance . whether the change in one variable
influences the change in the other variable. Not that the changes may likely to occur in both
directions namely: -
1. The increase in one variable is accompanied by the proportionate increase in the other
variable.
2. The increase in one variable causes the proportionate decrease in the other variable.
In the first cast the variable are said to be positively correlated, while in the second
case, the variable are said to be negatively correlated.
Bar Diagrams: -
Bar diagram consist of bars running either horizontally or vertically with an individual bar for
each observation. The individual bars have separate observations and magnitudes. They serve
the purpose of showing the rate of change in continuous data. More than two series of data may
be depicted by the use of bar diagrams. The positive and negative quantities also are
demonstrated with bar diagram.
Pie diagrams: -
The pie diagram is presented in a circle dividing the chart in different components according
to the need of the distinctive data. The slices of the circle are also noted with the name and
their percentage share in the total circle of 360 degrees.
CHAPTER – 5
(RESULTS AND DISCUSSION)
Hypotheses
H0: There is no significant difference between Factors Affecting Consumers Perception and
Online learning platforms
H1: There is a significant difference between Factors Affecting Consumers Perception and
Online learning platforms
H1a: There is a significant difference between Consumers Perception towards Transaction
speed and Online learning platforms
H1b: There is a significant difference between Consumers Perception towards Usefulness and
Online learning platforms
H1c: There is a significant difference between Consumers Perception towards Trustworthiness
and Online learning platforms
H1d: There is a significant difference between Consumers Perception towards Cost and Online
learning platforms
H1e: There is a significant difference between Consumers Perception towards Performance
experience, and Online learning platforms
H1f: There is a significant difference between Consumers Perception towards Security and
Online learning platforms
H1g: There is a significant difference between Consumers Perception towards Connectivity and
Online learning platform
H1h: There is a significant difference between Consumers Perception towards Convenience and
other benefits and Online learning platforms
Data analysis
Reliability
analysis
Reliability Statistics
Cronbach's Alpha Cronbach's Alpha N of Items
Based on
Standardized Items
.431 .488 21
From the above table, it can be stated that Cronbach's Alpha is .431 which shows the positive
value. It also indicates that there is consistency in the dataset. It indicates the good value in the
outcome of collected data.
Item Statistics
Mean Std. Deviation N
Gender 1.7807 .57621 114
Age 2.5877 1.02889 114
Marital_Status 1.6316 .48451 114
Education_Level 2.7632 1.05849 114
Employment_Status 2.3070 1.24891 114
Transaction_speed 4.0000 1.04754 114
Usefulness 4.0789 .98793 114
Trust_worthiness 3.8947 1.02507 114
Cost 3.6842 1.16221 114
Performance_experience 4.0351 .94943 114
Security 4.0439 .96294 114
Connectivity 4.0000 .94072 114
Convenience_and_other_benefits 3.9561 .98115 114
The item statistics show the standard data value is near 1 which means a high standard
deviation. It also shows that the data points are dispersed through a wide range of values.
The Cochran's Q test is used to see whether there are any variations in an ordinal dependent
variable among three or more related groups. These are Transaction speed, Usefulness,
Trustworthiness, Cost, Performance experience, Security, Connectivity, as well as,
Convenience and other benefits. It is analogous to one-way repetitive steps ANOVA, except
with a dichotomous instead of a constant dependent variable, or as an application of
McNemar's test. Chi-Square Tests
speed
Chi-Square Tests
Value df Asymp. Sig. (2-
sided)
Pearson Chi-Square 13.629a 4 .009
Likelihood Ratio 15.354 4 .004
Linear-by-Linear Association 8.795 1 .003
Symmetric Measures
Value Asymp. Std. Approx. Approx.
Error Tb Sig.
Interval by Pearson's R -.279 .089 -3.074 .003c
Interval
Ordinal by Spearman -.197 .097 -2.129 .035c
Ordinal Correlation
N of Valid Cases 114
a. Not assuming the null hypothesis.
b. Using the asymptotic standard error assuming the null hypothesis.
c. Based on normal approximation.
A p-value greater than the significance amount, such as.009, is obtained from a Chi- square test.
It means that there is less reason to suppose that the reported distribution differs from the
predicted distribution. It is possible to assume that there is no connection between Consumers
Perception of transaction speed as well as digital payment systems. This result is supported by
the systematic study that has looked at the development. This study concludes that modern
technical technologies can meet consumer demands such as pervasiveness, speed, and
convenience and that legislation will be framed in such a way that the trust, protection, privacy,
and security of online learning systems will be enhanced. According to the findings of this
report, this evolution would benefit all parties participating in a transaction and it will alter the
user's view of online learning.
Thus, it can be stated that the alternate hypothesis is accepted.
H1a: There is a significant difference between Consumers Perception towards Transaction speed and
online
The above chart depicts that there is a large number of participants who have good experience
of online learning platforms due to speed. On the other side, only a few participants have a
poor experience.
Usefulness
Chi-Square Tests
Value Df Asymp. Sig. (2-
sided)
Pearson Chi-Square 23.347a 4 .000
Likelihood Ratio 25.619 4 .000
Linear-by-Linear 20.998 1 .000
Association
N of Valid Cases 114
a. 5 cells (50.0%) have expected count less than 5. The minimum
expected count is .74.
Symmetric Measures
Value Asymp. Std. Approx. Approx.
Error Tb Sig.
Interval by Pearson's R -.431 .070 -5.056 .000c
Interval
Ordinal by Spearman -.405 .081 -4.686 .000c
Ordinal Correlation
N of Valid Cases 114
a. Not assuming the null hypothesis.
b. Using the asymptotic standard error assuming the null hypothesis.
c. Based on normal approximation.
A Chi-square test shows that the p-value is less than the significance level, such as.000. It
means that there is enough reason to suggest that the observed distribution is not the
predicted distribution. It is possible to assume that there is no connection between usefulness
and online learning platforms.
H1b: There is a significant difference between Consumers Perception towards Usefulness and Online
learning platforms
The above chart depicts that there is a large number of participants who have good experience
of online learning platforms due to their Usefulness. On the other side, only a few participants
have a poor experience.
Trustworthiness
Chi-Square Tests
Value df Asymp. Sig. (2-
sided)
Pearson Chi-Square 12.494a 4 .014
Likelihood Ratio 14.168 4 .007
Linear-by-Linear Association 5.677 1 .017
Symmetric Measures
Value Asymp. Std. Approx. Approx.
Error Tb Sig.
Interval by Pearson's R -.224 .092 -2.434 .017c
Interval
Ordinal by Spearman -.134 .096 -1.435 .154c
Ordinal Correlation
N of Valid Cases 114
a. Not assuming the null hypothesis.
b. Using the asymptotic standard error assuming the null hypothesis.
c. Based on normal approximation.
A p-value higher than the significance amount, such as .017 is obtained from the above Chi-
square test. It denotes that there is insufficient reason to suggest that the observed distribution
differs from the predicted distribution. It is possible to infer that there is no association
regarding trustworthiness and online learning mechanisms. This result is supported by the
previous research that has used an analytical study to investigate the variables that influence
Gen-X consumers' preference for their degree of satisfaction. The researchers discovered that
effective use of digital learning among Gen- X consumers are dependent on esteem factors
such as trustworthiness, ease & advantages, protection, and privacy restrictions. Further
review of this study showed that Reliability and Convenience & Benefits variables have a strong
influence on Gen-X customer satisfaction, while protection affects their degree of satisfaction.
Thus, it can be stated that the alternate hypothesis is accepted.
H1c: There is a significant difference between Consumers Perception towards Trustworthiness and Digital
Payment Systems.
The above chart depicts that there is a large number of participants who have good experience
of online learning platform due to Trustworthiness. On the other side, only a few participants
have a poor experience.
Cost
Chi-Square Tests
Value df Asymp. Sig.
(2-sided)
Pearson Chi-Square 14.201a 4 .007
Likelihood Ratio 14.316 4 .006
Linear-by-Linear .045 1 .833
Association
N of Valid Cases 114
a. 3 cells (30.0%) have expected count less than 5. The
minimum expected count is 2.58.
Symmetric Measures
Value Asymp. Std. Approx. Approx.
Error Tb Sig.
Interval by Pearson's R .020 .093 .210 .834c
Interval
Ordinal by Spearman .033 .092 .353 .725c
Ordinal Correlation
N of Valid Cases 114
a. Not assuming the null hypothesis.
b. Using the asymptotic standard error assuming the null hypothesis.
c. Based on normal approximation.
A p-value greater than the significance amount, such as .0834 is obtained from the above Chi-
square test. It means that there is less reason to suggest that the reported distribution differs
from the predicted distribution. It is possible to assume that there is no connection between
the expense and online learning platforms. This result is favoured by the previous research
study that has listed some of the disadvantages of online learning.
Thus, it can be stated that the alternate hypothesis is accepted.
H1d: There is a significant difference between Consumers Perception towards Cost and Online learning
platforms.
The above chart depicts that there is a large number of participants who have good experience
of online learning due to cost. On the other side, only a few participants have a poor
experience.
Performance experience
Chi-Square Tests
Value df Asymp. Sig. (2-
sided)
Pearson Chi-Square 12.346a 4 .015
Likelihood Ratio 13.171 4 .010
Linear-by-Linear Association 11.350 1 .001
Symmetric Measures
Value Asymp. Std. Approx. Approx.
Error Tb Sig.
Interval by Pearson's R -.317 .085 -3.536 .001c
Interval
Ordinal by Spearman -.277 .091 -3.050 .003c
Ordinal Correlation
N of Valid Cases 114
a. Not assuming the null hypothesis.
b. Using the asymptotic standard error assuming the null hypothesis.
c. Based on normal approximation.
A p-value less than the significance amount, such as .001, may be obtained from a Chi-square
test. It means that there is enough reason to suggest that the observed distribution is not the
predicted distribution. It is possible to infer that there is no connection between Performance
experience and online learning platform.
Thus, it can be stated that the alternate hypothesis is accepted.
H1e: There is a significant difference between Consumers Perception towards Performance experience, and
Online learning platforms.
The above chart depicts that there is a large number of participants who have good experience
due to performance experience. On the other side, only a few participants have a poor
experience.
Security
Chi-Square Tests
Value df Asymp. Sig. (2-
sided)
Pearson Chi-Square 14.253a 4 .007
Likelihood Ratio 15.252 4 .004
Linear-by-Linear Association 7.790 1 .005
Symmetric Measures
Value Asymp. Std. Approx. Approx.
Error b
T Sig.
Interval by Pearson's R -.263 .090 -2.880 .005c
Interval
Ordinal by Spearman -.199 .097 -2.149 .034c
Ordinal Correlation
N of Valid Cases 114
a. Not assuming the null hypothesis.
b. Using the asymptotic standard error assuming the null hypothesis.
c. Based on normal approximation.
A p-value equal to a significant amount such as .005 is obtained from a Chi-square test. It
means that there is enough reason to suggest that the observed distribution is not the
predicted distribution. It is possible to assume that there is no partnership between security
and online learning platform.
Thus, it can be stated that the alternate hypothesis is accepted.
H1f: There is a significant difference between Consumers Perception towards Security and online learning
platforms
The above chart depicts that there is a large number of participants who have good
experience with online learning due to security. On the other side, only a few participants
have a poor experience of the online learning platforms.
Connectivity
Chi-Square Tests
Value Df Asymp. Sig. (2-
sided)
Pearson Chi-Square 6.635a 4 .157
Likelihood Ratio 7.501 4 .112
Linear-by-Linear 2.087 1 .149
Association
N of Valid Cases 114
a. 4 cells (40.0%) have expected count less than 5. The minimum
expected count is .74.
Symmetric Measures
Value Asymp. Std. Approx. Approx.
Error T b Sig.
Interval by Pearson's R -.136 .094 -1.452 .149c
Interval
Ordinal by Spearman -.090 .093 -.955 .342c
Ordinal Correlation
N of Valid Cases 114
a. Not assuming the null hypothesis.
b. Using the asymptotic standard error assuming the null hypothesis.
c. Based on normal approximation.
A p-value less than the significance amount, such as .149 is obtained from a Chi-square test. It
means that there is enough reason to suggest that the observed distribution is not the predicted
distribution. It is possible to assume that there is no partnership between connectivity and
online learning platforms. This result is supported by the view of past authors who have
performed a single analysis to classify and empirically test the impacting variables. According
to the findings of this report, related to perceived utility, ease of use, device efficiency,
connectivity, task-technology match, and structural assurance are important.
Thus, it can be stated that the alternate hypothesis is accepted.
H1g: There is a significant difference between Consumers Perception towards Connectivity and online
learning platforms
The above chart depicts that there is a large number of participants who have good
experience of online learning platforms due to connectivity. On the other side, only a few
participants have a poor experience.
Chi-Square Tests
Value df Asymp. Sig. (2-
sided)
Pearson Chi-Square 11.646a 4 .020
Likelihood Ratio 12.783 4 .012
Linear-by-Linear Association 6.780 1 .009
Symmetric Measures
Value Asymp. Std. Approx. Approx.
Error Tb Sig.
Interval by Pearson's R -.245 .092 -2.674 .009c
Interval
Ordinal by Spearman -.180 .098 -1.939 .055c
Ordinal Correlation
N of Valid Cases 114
a. Not assuming the null hypothesis.
b. Using the asymptotic standard error assuming the null hypothesis.
c. Based on normal approximation.
A p-value greater than the significance amount, such as .009 is obtained from a Chi-square test.
It means that there is less reason to suggest that the reported distribution differs from the
predicted distribution. It is possible to infer that there is no connection between convenience
and other benefits and online learning platforms. The result is supported by the previous
studies that planned to investigate the protection and unobservability features that could be
allowed in online learning platforms.
Thus, it can be stated that the alternate hypothesis is accepted.
H1h: There is a significant difference between Consumers Perception towards Convenience and other
benefits and online learning platforms
The above chart depicts that there is a large number of participants who have good experience
of online learning platforms due to Convenience and other benefits. On the other side, only a
few participants have a poor experience with online learning platforms.
Model Summary
Model Summary
Mod R R Adjusted R Std. An Durbin-
el Square Square error of the Watson
Estimate
1 .522a .273 .217 .42863 2.071
a. Predictors: (Constant), Convenience_and_other_benefits, Cost,
Trust_worthiness, Usefulness, Performance_experience,
Transaction_speed, Connectivity, Security
b. Dependent Variable:
Are_you_aware_of_the_availability_of_various_ online learning
platforms
According to the table, the R-value is 0.522, and the strategy is based on a model so the R
square value is 0.217, which is less than 0.50. Durbin-Watson is not important since the
standard error of the calculation is 0.428, which is considered poor. Furthermore, the table
shows the various factors influencing online learning platforms like speed, Usability,
Trustworthiness, Cost, Performance experience, Security, Connectivity, as well as Convenience,
and other benefits.
ANOVA
ANOVA
Model Sum of df Mean F Sig.
Squares Square
1 Regressio 7.236 8 .904 4.923 .000a
N
Residual 19.291 105 .184
Total 26.526 113
a. Predictors: (Constant), Convenience_and_other_benefits, Cost,
Trust_worthiness, Usefulness, Performance_experience, Transaction_speed,
Connectivity, Security
b. Dependent Variable:
Are_you_aware_of_the_availability
Coefficients
Coefficients
Model Unstandardized Standardi t Sig. 95% Confidence
Coefficients zed Interval for B
Coefficien
ts
As per the ANOVA table, the F-value is 4.923, which is greater than the significant value. It
shows a vital relationship between variables including transaction speed, usefulness,
trustworthiness, cost, performance experience, security, connectivity, and convenience, and
other benefits, as well as online learning platforms. It rejects the null hypotheses.
Furthermore, it shows a significant relationship between good factors (transaction speed,
usefulness, trustworthiness, cost, performance experience, security, connectivity, as well as
convenience and other benefits) and online learning platforms.
Correlations
Coefficient Correlations
Model Convenience Co Trust_ Use Performa Transa Con Se
_and_other_ st worthi fuln nce_expe ction_s necti cur
benefits ness ess rience peed vity ity
1 Corr Convenience 1.000 .0 .127 - -.120 -.129 - -
elati _and_other_ 30 .216 .332 .13
ons Benefits 5
Cost .030 1. -.003 - .240 -.151 - -
00 .193 .224 .15
0 1
Trust_worthi .127 - 1.000 - -.213 -.299 - .14
Ness .0 .298 .268 5
03
Usefulness -.216 - -.298 1.00 -.056 .004 .274 -
.1 0 .48
93 2
Performance -.120 .2 -.213 - 1.000 -.240 - -
_experience 40 .056 .305 .10
8
Transaction_ -.129 - -.299 .004 -.240 1.000 - -
speed .1 .035 .16
51 3
Connectivity -.332 - -.268 .274 -.305 -.035 1.00 -
.2 0 .18
24 5
Security -.135 - .145 - -.108 -.163 - 1.0
.1 .482 .185 00
51
Cova Convenience .004 7. .000 .000 .000 .000 - .00
rianc _and_other_ 55 .001 0
es benefits 4E
-5
Cost 7.554E-5 .0 - .000 .001 .000 .000 .00
02 7.318E 0
-6
Trust_worthi .000 - .003 - .000 -.001 - .00
ness 7. .001 .001 1
31
8E
-6
Usefulness .000 .0 -.001 .004 .000 1.326E- .001 -
00 5 .00
2
Performance .000 .0 .000 .000 .004 .000 - .00
_experience 01 .001 0
Transaction_ .000 .0 -.001 1.32 .000 .003 .000 .00
speed 00 6E- 0
5
Connectivity -.001 .0 -.001 .001 -.001 .000 .005 .00
00 0
Security .000 .0 .001 - .000 .000 .000 .00
00 .002 5
a. Dependent Variable: Are_you_aware_of_the_availability
According to the table above, there is a significant positive relationship between transaction
speed, usefulness, trustworthiness, cost, performance experience, protection, accessibility, as
well as convenience and other benefits) and online learning platforms.
Descriptive statistics
Statistics
Transacti Usef Trust_w Cos Performance Sec Conne Convenience_and
on_speed ulnes orthines t _experience urit ctivity _other_benefits
s s y
N Vali 114 114 114 114 114 114 114 114
d
Mis 0 0 0 0 0 0 0 0
sing
Mean 4.0000 4.078 3.8947 3.6 4.0351 4.0 4.000 3.9561
9 842 439 0
Media 4.0000 4.000 4.0000 4.0 4.0000 4.0 4.000 4.0000
n 0 000 000 0
Mode 4.00 4.00 4.00 4.0 4.00 4.0 4.00 4.00
0 0
Std. 1.04754 .9879 1.02507 1.1 .94943 .96 .9407 .98115
Deviati 3 622 294 2
on 1
Varian 1.097 .976 1.051 1.3 .901 .92 .885 .963
ce 51 7
Skewn -1.316 - -1.140 - -1.081 - -.909 -1.113
ess 1.618 .69 1.4
9 20
Std. .226 .226 .226 .22 .226 .22 .226 .226
Error 6 6
of
Skewn
ess
Kurtos 1.600 2.969 1.336 - 1.279 2.2 .970 1.302
is .12 21
6
Std. .449 .449 .449 .44 .449 .44 .449 .449
Error 9 9
of
Kurtos
is
The standard variance over all variables is greater than 1, suggesting that
data points are scattered across a wide range of values, according to the table
above.
CHAPTER – 7
(Conclusion)
After going through the pros & cons of Online Learning, it becomes difficult to give
judgement whether online Learning is a boon or bane. We are well aware about the positive
side of online learning but the harm it does to a person or the society as a whole need to be
debated upon. At present, we would like to conclude by saying that online learning is an
excellent option in education, particularly when there are hindrances to traditional learning
situations. For example, some people wish to continue their formal education but do not live
within drivable distance of a college or university and don't find it feasible to commute daily.
With E-learning environments, students can maintain the teacher learner relationship from
different places at different times.