https://repository.umindanao.edu.ph/handle/123456789/2244 Mon, 29 Jun 2026 23:10:29 GMT 2026-06-29T23:10:29Z https://repository.umindanao.edu.ph/handle/123456789/2285 Perceived risks in mobile banking in Davao City: a clients’ perspective Cabading, Cheska Dione; Almerez, Johanna Mae; Alcano, Genny Rose This study explored and determine the level of client’s perception on mobile banking prospects and problems in Davao City. The researchers employed a descriptive survey method and a survey questionnaire was used as the data collection instrument. The instrument used in the study was validated by the members of the panel. Mean and Kruskal-Wallis were used to analyze the data. The respondents of this study were 200 randomly selected clients who use mobile banking applications in Davao City. Results revealed that in terms of the demographic profile of the respondents, majority are between young generation of mobile banking users, mostly female, single, and majority are undergraduates. Moreover, with regards to the level of client’s perception on mobile banking prospects and problems, overall, respondents rated as Agree that prospects and problems of mobile banking are frequently manifested, with rated as the highest the indicator is security, followed by indicators: convenience, and scalability and reliability. Furthermore, in terms of significant difference in level of client’s perception on mobile banking prospects and problems when analyzed by demographic profile, no manifestation of differences across all profiles such as age, gender, civil status, and educational attainment. In Partial Fulfillment for the Requirement of the Degree of Bachelor of Science in Business Administration Major in Financial Management Wed, 01 Nov 2023 00:00:00 GMT https://repository.umindanao.edu.ph/handle/123456789/2285 2023-11-01T00:00:00Z https://repository.umindanao.edu.ph/handle/123456789/2282 UM employees credit card usage behavior Dusaban, John Paul M.; Borres, Aiza Marie C.; Lawa, Senodin Jr P. The main purpose of this study was to determine the significant difference in the level of credit card usage behavior among the UM employees when analyzed according to respondent’s profile. This study made use of descriptive-survey method and the data were gathered through the use of the validated questionnaire. In the data analysis, the Mean, T-test and analysis of variance were statistical tools. Results revealed that there is no significant difference in level of credit card usage behavior among UM employees when analyzed according to respondent’s profile. The result suggested that UM employees should consider weighing the consequences of credit and to focus only on spending for their necessity. In Partial Fulfillment of the Requirements in Financial Research and Human Resource Research Fri, 01 Apr 2016 00:00:00 GMT https://repository.umindanao.edu.ph/handle/123456789/2282 2016-04-01T00:00:00Z https://repository.umindanao.edu.ph/handle/123456789/2281 The effect of perceived risk on online buying behavior Sumampong, Prescious Dane O.; Virtudazo, Dya Mhelzha N.; Bibat, Kimberly M. Online shopping has grown significantly in popularity in recent years. However, many people are still hesitant to shop for groceries online due to security and privacy concerns, even if advancements in internet technology have led to an increase in the number of consumers. Because it takes time to identify a reputable website or item, their decision to purchase things online is discouraged. Additionally, many would rather not shop online because they would be afraid to shop at the online retailer they choose or that they would be shunned by others because of the goods they would buy. Thus, this study aims to determine the significant relationship between perceived risk and the online buying behavior of consumers in Davao City. The study used a descriptive-correlational design of research and used an adapted and modified questionnaire for the one hundred online consumers in Davao City as the respondents of the study and were identified by using a simple random sampling technique. The results were treated statistically using frequency, percentage, mean, standard deviation, and Pearson product-moment correlation coefficient. Furthermore, the study revealed a moderate level of perceived risk and a high level of online buying behavior among consumers in Davao City. Additionally, correlation analysis revealed a significant relationship between the perceived risk and online buying behavior among consumers in Davao City. The findings of this study recommend online sellers provide high-quality products offered online, time-efficient deliveries, and consistently have pleasant reviews online. In Partial Fulfillment for the Requirements for the Degree of Bachelor of Science in Business Administration Major in Marketing Management Mon, 01 Jan 2024 00:00:00 GMT https://repository.umindanao.edu.ph/handle/123456789/2281 2024-01-01T00:00:00Z https://repository.umindanao.edu.ph/handle/123456789/2270 Personal financial management of working individuals in Davao City Villarosa, Sushyne Dol; Palermo, Marivic; Sab, Mary Grace Personal financial management refers to the approaches and procedures used to manage one’s own personal finances. This study was conducted to determine the socio-demographic profile of selected working individuals in Davao City in terms of age; sex; educational level; employment status; and income. The study also measured the extent of the personal financial management of working individuals in Davao City in terms of obtaining income; saving; spending; investing; risk management; and retirement planning using the tool mean. Finally, it will describe systematically the significant difference in personal financial management of working individuals in Davao City when they are grouped according to their profile using T test. The mean, p-value, and the standard deviation were the methods used. The procedures and tools used are in accordance with the policies of the research council of the College of the Business Administration Education of the University of Mindanao. However, among one hundred respondents obtained, the study revealed that working individuals rated the indicators obtaining income; saving; spending; investing; risk management; and retirement planning as very high or the personal financial management are always observed in their financial knowledge. Therefore, the study failed to reject the null hypothesis that there are no significant differences in Personal Financial Management across different age groups; sex; educational level; employment status; and monthly income. In partial fulfillment for the requirement of the degree of Bachelor of Science in Business Administration Major in Financial Management Mon, 01 Jul 2024 00:00:00 GMT https://repository.umindanao.edu.ph/handle/123456789/2270 2024-07-01T00:00:00Z