Information Technology Reference
In-Depth Information
Table 10.3
Demographic
data of respondents
(N
Category
Percentage (%)
Gender
Male
175)
ΒΌ
33.1
Female
66.9
Frequency of using internet per day
4 h
40.0
5-9 h
39.4
10-13 h
12.1
14-17 h
5.1
18-24 h
3.4
groups (i.e. for users of both applications) 61 % of the participants were female,
most were 18-22 years old, and between 25 % and 34 % were flood victims from
the 2011 flood in Thailand. The later is included as this is potentially a recent
experience of when it may have been difficult to reach a bank service counter due to
either flood water closure or access restrictions, or relocation to an unfamiliar
location. Importantly, 87 % and 83 % of the subjects who used the K-Mobile
Banking PLUS or the mPay application, respectively, had prior experience on
using a touch screen mobile phone, whilst 20 % and 18 %, respectively, had prior
experience with payment on a mobile phone.
For the K-Mobile Banking PLUS application (Fig.
10.4
), the participant must
enter a login name and password before they can start to do any tasks. The
participant can then select the screen language from either Thai or English from
the right of the main menu page.
For the mPay application (Fig.
10.5
), the user interface of the main page is
designed in graphics that consists of descriptions under each icon. But in the deep
level of each task, such as the money transfer page (Fig.
10.5c
), the user interface is
not consistent but rather it has an appearance that is similar to a text-based design.
The font size is very small forcing the normal (or corrected to normal) sighted users
of this study to enlarge the screen to read the information and so would potentially
be problematic for partially visually impaired users including uncorrected hyper-
opia (long sightedness) or those developing cataracts.
The questionnaire was comprised of two sections. The first section recorded the
potential participant's demographic characteristics and their technology back-
ground, whilst the second section was the participant's attitude towards the M-pay
application in terms of the (1) usefulness of application, (2) ease of use, (3) suitable
aesthetic design, (4) trust in using the application, (5) service quality, (6) security
and (7) intention of using the application. These questionnaires had 64 questions in
total. All items were assessed using five-point Likert scales from strongly disagree
(1), disagree (2), neutral (3), agree (4) and strongly agree (5). From our model
(Fig.
10.2
), we used the user interface, service quality, security and trust questions
as the first study, and the usefulness, ease of use, user interface, service quality, trust
and intention to use questions as the second study. Questions in the questionnaire
were selected from conventional works (Kim et al.
2010
; Shin
2009
; Li and
Yeh
2010
; Klockar et al.
2003
; Fred
1989
).
