FACTORS AFFECTING INTENTION TO USE ONLINE FINANCIAL SERVICES

AMONG EMPLOYEES OF VIAJERO MOTORS INC. IN GENERAL SANTOS CITY

This research endeavor is carried out to contribute to the body of knowledge and
to help multi-channel businesses in improving their online and physical services in
particular and operations in general. This paper is going to explore how banking sector
of General Santos City use relationship marketing as a competitive weapon to gain
customer loyalty.

CONFIDENTIALITY
All data gathered from the respondents will be kept confidential and for this
research purpose only. The researcher will uphold the respondents’ right to privacy as
identified by the Data Privacy Act of 2012 (RA 101743).
RESPONDENTS
The respondents of the study are the employees of Viajero Motorsales Inc. who
are using of online financial services that are eligible to answer this survey
questionnaire.

Dear Respondent,
The undersigned is a third-year student of Ramon Magsaysay Memorial Colleges,
taking up Bachelor of Science in Business Administration major in Marketing
Management.
The researcher is conducting a study entitled “FACTORS AFFECTING INTENTION
TO USE ONLINE FINANCIAL SERVICES AMONG GENERATION X OF FACULTY
OF THE SELECTED HIGHER EDUCATION INSTITUTION IN GENERAL SANTOS
CITY”. Your participation in this endeavor is a great help in the completion of the
study as well as in improving the industry it covers.
Hoping for your approval.
Thank you so much.
DETERMINANTS OF IMPULSIVE BUYING BEHAVIOR IN BRICK AND CLICK
BUSINESS MODEL
Very truly yours,
JULDAN B. ORDESTA
Researcher
PART I: LEVEL OF IMPLEMENTATION OF DETERMINANTS OF RELATIONSHIP
AND CLIENT LOYALTY
Direction: Rate the level of your agreement on the following statements using the following scale. Place a
“✓” mark in the box that best corresponds to your choice

Rating Scale Responsive Anchor Interpretation

5 Strongly Agree Very Highly Implemented

4 Agree Highly Implemented

3 Neither Agree nor Disagree Moderately Implemented

2 Disagree Not Implemented

1 Strongly Disagree Highly Not Implemented

LEVEL OF DETERMINANTS OF FACTORS AFFECTING INTENTION TO USE

5 4 3 2 1
ONLINE FINANCIAL SERVICES

POSITIVE ATTITUDE - - - - -

1 Using online financial services is a convenient way to manage my finances.

2 I believe online financial services offer time-saving benefits.

3 I trust that online financial services are reliable.

4 The idea of using online financial services positively appeals to me.

5 I find online financial services to be user-friendly.

RISK-SEEKING ATTITUDE - - - - -

1 I am generally comfortable taking financial risks.

2 I enjoy exploring new innovative financial services, even if they involve some
level of risk.

3 The potential for higher returns is more important to me than avoiding

financial losses.

4 I am open to trying online financial services that offer unique features, even if
they come with some level of risk.

5 I view financial risk as an opportunity for greater financial rewards.

SOCIAL INTERACTION - - - - -

1 I discuss online financial services with friends or family members.

2 I seek recommendations from friends or family members when considering

using new online financial platforms.

3 The opinions of friends or family members influence my decision to use online

financial services.

4 Online financial services suggested by people I know have a higher chance of

earning my confidence.

5 Social interactions play a significant role in shaping my perceptions of online

financial services.

SOCIAL NETWORK INFORMATION - - - - -

1 My social networks provide me with information on online financial services.

2 I follow or connect with financial experts or influencers on social media

platforms.

3 I value the information about online financial services shared by my

connections on social networks.

4 Social media plays a significant role in shaping my perceptions of online

financial services.

5 I am more likely to explore new online financial services that are popular or
trending on social media.

EDUCATION - - - - -

1 I believe level of education influences intention to use in using online financial

services.
 2 Participating in financial education programs or workshops focused on online
financial services will increase the intention to use.

3 Understanding of online financial services has been shaped by educational

experiences.

4 I am confident with my financial literacy and understanding of financial

concepts.

5 Level of education is in making informed financial decisions.

INCOME - - - - -

1 Usage of online financial services is influenced by your income.

2 Using online financial services corresponds with your financial goals, given
your current income level.

3 Perceiving online financial services as affordable for someone with your

income level

4 Income affects financial decision-making, including the use of online financial

services.

5 Income level affects intention to use towards using online financial services.

PREVIOUS EXPERIENCE - - - - -

1 I do a very good job of keeping my financial affairs in order.

2 I am very organized in my approach to financial matters.

3 My household knows how to choose financial products and services that are
best for us.

4 Managing my financial affairs is something like a hobby.

5 I am very disciplined in savings and spending decisions.

PART II. LEVEL OF INTENTION TO USE

Direction: Rate the level of your agreement on the following statements using the following scale. Place a
“✓” mark in the box that best corresponds to your choice

Rating Scale Responsive Anchor Interpretation

5 Strongly Agree Very High

4 Agree High

3 Moderately Agree Moderate

2 Disagree Low

1 Strongly Disagree Very Low

INTENTION TO USE 5 4 3 2 1

INDICATORS - - - - -

1 I believe online financial services are in meeting my financial needs.

2 I am open to exploring new or unfamiliar online financial services in the future.

3 I am generally preferred online services over traditional in-person services.

4 I will anticipate from using online financial services because it saved my time
from my work.

5 Technological advancements affect my intention to use online financial

services.

Thank you,

The Researcher