E-banking

Introduction:
What is your research all about?
 This research aims to identify and describe the importance of service
quality on customers satisfaction, to specifically examines the impact of e-
banking services that supports the citizens, communities and economy of
the country (History of Internet banking, 2016)
Why is your research important?
 According to recent studies e-banking has become widely used and
occupied the top spot in the e-business world. However, e-banking has
been facing difficulties. Machomba found out certain factors that affect e-
banking adoption, including its usefulness and ease of use, system
reliability, confidence and social power, the platform's user-friendly
functionality, accessibility, and factors involved in financial transactions. In
line with this, this research is of great importance because the findings of
this study will aid e-banking sectors/owners to fully understand the
perception of the customers toward the quality of services.

FINDINGS
 Customer’s expectations are the most essential aspect to consider when
assessing service quality. (Al- hawary et al, 2017)
 According to Bizri et al., (2018) this study's findings revealed not only that
service quality is a factor that has a significant relationship with customer
satisfaction with e-banking services, but also that reliability is the most
powerful dimension of service quality influencing customer satisfaction.
This study is supported by previous research which found that service
quality is a significant and positive influence of customer satisfaction (Bedi
et al. as cited in Bizri et al.,2018).
 The findings also revealed that the four independent variables related to
the quality of e-banking services SUCH AS efficiency, ease of use,
reliability, security, privacy, responsiveness and communication also have
a significant effect on customer satisfaction.

Why did you conduct this study?

 We, the researchers conducted this study to determine the correlation
between the perception of e-banking service quality and level of
satisfaction of the customers in Angeles City considering their
 demographic profile and e-banking profiles. Moreover, it is important to
accomplish this research to assess how e-banking service quality
dimensions will influence customer satisfaction in relation to the
respondent’s profile

*What are your variables?

*Why there is no local study?

We have.
*How many local studies do you have? What have you observed with their findings?
2
*What are the blank and blind spots?
Blind Spot there are disagreement of findings, on the other hand, Blank
Spot there are parts of study not yet totally explored.

Conceptual Framework
*Conceptual Vs. Theoretical
A conceptual framework is the researcher's idea on how the research
problem will have to be explored. The theoretical framework provides a general
representation of relationships between things in a given phenomenon, which is
usually based on theories/findings.
*Difference Explanatory and Response variable
Explanatory variable is the cause, it can also be called as predictor
variable, while Response variable naman po, this are the effect or the results, it
can be also called as outcome variable.
lexical, operational, speculative definition

SOP
What is your main objective in conducting this study?
*States what is in the paper.
-this study aims to determine the correlation between the perception of e-banking
service quality and level of satisfaction of the consumer specifically, in Angeles City
considering their demographic profile and e-banking profiles.

*Null and Alternative Hypothesis. What did you use it?

We use null? (tama ba). When we say null hypothesis, we verify or
disapprove the proposed statistical assumptions, while in alternative hypothesis,
we provides a chance of discovering new theories that can disprove an existing
one that might not be supported by evidence.
- The null hypothesis is a general statement that states that there is no
relationship between two phenomenons under consideration or that there is no
association between two groups. An alternative hypothesis is a statement that
describes that there is a relationship between two selected variables in a study.
- In our study we used null hypothesis because it can be tested to conclude whether or
not there is a relationship between two measured phenomena. It can inform the user
whether the results obtained are due to chance or manipulating a phenomenon

Significance
*Is there any other significant?
As sir D said, parang wala na, I think enough na yung mga nasa signifance
of the study natin.
*How is it significant with customer?
It is significant in a way that customers will gain an idea on choosing what
the best type of banking they will rely on. Kung san sila mas makakabenefit.
*Limitation Vs Delimitation
Limitation is the weakness for which we will only conducting to angeles
city, only angelenos will be our participants, also we use snowball instead of
stratified since we also recruiting referrals. Delimitation are the factors and
variables not to be included in the investigation.

Method
*Qualitative Vs Quantitative
Quantitative research deals with numbers and statistics, while qualitative
research deals with words and meanings. Quantitative methods allow you to test
a hypothesis by systematically collecting and analyzing data,
while qualitative methods allow you to explore ideas and experiences in depth.
*Why Quantitative?
Based on our research Business related courses always use quantitative
research.
*Population vs. sample
Population is the whole (pizza), Sample is the portion or representation.
*random vs. non random sampling technique
(snowball – non random) (stratified – random)
*Nominal vs. ordinal
Nominal scale is a naming scale, where variables are simply “named” or
labeled, with no specific order. Ordinal scale has all its variables in a specific
order, beyond just naming them.
*Give me an example of nominal and ordinal data.
(nominal – explanatory variable ex. Demographic and Ebanking profile like
Age, Gender, Profession, ordinal – likert scale ex. Table 1-4 strongly agree-
strongly disagree)
*Probability and non probability sampling technique
(snow ball – non probability)
Is your questionnaire adapted or adopted? What is the difference?
We get a portion of the survey question and put them into one. Adapted
with a “A”
*Reliability and Validity
Reliability and validity are concepts used to evaluate the quality of
research. They indicate how well a method, technique or test measures
something. Reliability is about the consistency of a measure, and validity is about
the accuracy of a measure.
Link to the adapted questionnaire.
Qualitative Vs Quantitative
Quantitative research deals with numbers and statistics, while qualitative
research deals with words and meanings. Quantitative methods allow you to test
a hypothesis by systematically collecting and analyzing data,
while qualitative methods allow you to explore ideas and experiences in depth.

Why Quantitative?
Based on our research Business related courses always use quantitative
research.

Population vs. sample

Population is the whole (pizza), Sample is the portion or representation.

random vs. non random sampling technique

(snowball – non random) (stratified – random)

Nominal vs. ordinal

Nominal scale is a naming scale, where variables are simply “named” or labeled,
with no specific order. Ordinal scale has all its variables in a specific order,
beyond just naming them.
Give me an example of nominal and ordinal data.
(nominal – explanatory variable ex. Demographic and Ebanking profile like Age,
Gender, Profession, ordinal – likert scale ex. Table 1-4 strongly agree-strongly
disagree)
Probability and non probability sampling technique
(snow ball – non probability)
Is your questionnaire adapted or adopted? What is the difference?
We get a portion of the survey question and put them into one. Adapted with a
“A”

Reliability and Validity

Reliability and validity are concepts used to evaluate the quality of research. They
indicate how well a method, technique or test measures something. Reliability is
about the consistency of a measure, and validity is about the accuracy of a
measure.

Type of research (RESEARCH DESIGN)

1.  Difference between quantitative and qualitative research
-          Quantitative methods are used to quantify behaviors, opinions, attitudes,
and other variables and make generalizations from a larger population.
quantitative research uses quantifiable data to articulate facts and reveal patterns
in research. This type of research method involves the use of statistical,
mathematical tools to derive results.
-          Qualitative research is a process of real-life inquiry that aims to
understand social phenomena. It focuses on the "why" and “how” rather than the
"what" of social phenomena and depends on the direct experiences of human
beings as meaning-making agents in their everyday lives.
-          Why did you use quantitative instead of qualitative? Based on our readings
regarding our review on related studies, business researchers often use a
quantitative type of research though there are qualitative techniques used like the
study about their experiences , but since our study is more on floating the survey
questionnaire , that means that we will be using the quantitative technique rather
than the qualitative.
 
2.  Why a descriptive correlational method? Since we are trying to describe the
variables and we are trying to determine if there is a significant relationship occurring
naturally between and among them, then it is particularly the most applicable method to
be used.
  Definition:
-          Descriptive research method is more focused on the ‘what’ of the subject
matter rather than the ‘why’.i.e. it aims to describe the current status of a variable
or phenomenon.   It can be used to define respondent characteristics, organize
comparisons, measure data trends, and validate existing conditions. Data
collection is mostly by observation and the researcher does not begin with a
hypothesis but creates one after the data is collected.
-          Correlational research is a type of non-experimental research method in
which a researcher measures two variables, understands and assesses the
statistical relationship between them with no influence from any extraneous
variable.
 
RESPONDENTS
1.  Difference between POPULATION and SAMPLE SIZE
-          Population – consists of all elements (in research, a population doesn't
always refer to people)– individuals, items, or objects – whose characteristics are
being studied.
-          Sample size - is a portion of the population selected for study.
-          384 sample sizes are drawn out of the 529,991total population

2.  Difference between RANDOM and NON-RANDOM / PROBABILITY & NON-

PROBABILITY
-          Random - The sample that is chosen randomly is an unbiased
representation of the total population.
-          Non-random sampling - is a sampling technique where the sample
selection is based on factors other than just random chance.
-          Probability sampling scheme is one in which every unit in the population
has a chance (greater than zero) of being selected in the sample, and this
probability can be accurately determined.
-          Non Probability sampling – is a sampling method where some elements of
the population have no chance of selection (these are sometimes referred to as
'out of coverage'/ 'under covered'), or where the probability of selection can't be
accurately determined.
-          What makes your study non-probability/non-random?
Our study falls under nonrandom because when we talk about non-random
ma’am/sir, there is no equal chances to be chosen as one of the sample, we used
the snowball sampling technique in which researchers who identified purposively
will provide referrals to recruit samples required for the research study,  and that
makes the sample size of our study a nonrandom due to its biased selection of
participants that is based on factors rather than just random chances.

Sampling technique
-          Snowball sampling –  According to Zac (2020) Snowball sampling
technique is a method in which the researchers recruit samples to be in the study
and then ask those samples to recruit additional samples to be in the study, and
also this technique is often used when researchers wish to study a population
where subjects are particularly hard to reach or identify.
-          Stratified sampling - Is a process of subdividing the population into
subgroups or strata and drawing members at random from each subgroup or
stratum.  (probability type)
-          Why use snowball instead of stratified?
Because we thought that it is more practical to use the snowball instead of
stratified if the number of possible users of the e-banking system in Angeles City
is limited. Also we are informed by the other research students of Mr. D who have
experienced floating their questionnaires online that it was really difficult to
please the respondents to fill up the survey questionnaire, they told us that they
barely finish and meet the 384 sample sizes. That is why Sir D advised us to use a
snow ball instead.
 
INSTRUMENT
Income classification – income level of the respondents that is categorized into

  Why do we need to use income classification?

The reason why we need to use that income grouping/classification is for market
segmentation purposes. We want to find out which of the said classes

What made you decide to conduct the study?

During this pandemic our lifestyle was transformed, since there is technological
advancement in today’s world we are pushed to adopt digital technologies as well
which includes electronic banking. That is why we’ve found this topic as
interesting and useful one specially in today’s situation where contactless and
convenient transactions are being patronized.