Difficulties in the Use of E-Payment Applications Among Members of a Credit Cooperative
DOI:
https://doi.org/10.5281/zenodo.15470251Keywords:
E-Payment Applications, User Difficulties, Credit Cooperative MembersAbstract
The study aimed to assess the level of difficulty experienced by credit cooperative members in using e-payment applications. Using a descriptive-correlational design and systematic sampling, 400 randomly selected members from a town in Negros Island participated. Data were collected via a standardized questionnaire, validated and tested for reliability, and analyzed using SPSS. Results showed that most respondents experienced a high level of difficulty in terms of awareness and familiarity and security and trust, while technological challenges posed moderate difficulty. Older members reported greater challenges in awareness and technology use, while younger respondents showed slightly higher concerns regarding security and trust. Both male and female respondents found technological challenges moderately difficult, but other areas remained highly challenging. Civil status did not significantly affect the difficulty levels. Respondents with lower educational attainment experienced higher difficulty in awareness and technology use; however, all educational levels reported high concerns over security and trust. Similarly, lower-income respondents faced more challenges in awareness and technology use, while both income groups reported high difficulty in security and trust. The findings highlight the need for structured support programs, such as digital literacy and age-specific training, to bridge knowledge gaps. Simplified user interfaces and improved technological infrastructure can enhance ease of use. Additionally, bolstering security measures, enhancing transparency, providing better customer support, and promoting fraud awareness can build user trust and confidence in e-payment platforms.
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