91 Please rate your opinion by making (√) on the following items depending on your level of agreement. 1 = Strongly Disagree 2 = Disagree 3 = Slightly Agree 4 = Agree 5 = Strongly Agree Factors Affecting Parental Perception of Electronic Payments Rating 1 2 3 4 5 Benefits 1. Electronic payments are convenient for me. 2. The use of electronic payment services is available everywhere and in real time. 3. Electronic payments take longer time to finish all steps. 4. Use of electronic payment services saves my time to travel to and from the bank. 5. The school’s payment channels benefit me. Trust 6. The bank or electronic payment service provider has a good system to protect customer information. 7. Electronic payments are confirmed immediately after the transaction was made. 8. The bank or service provider can accurately take care of the electronic payment process. 9. I am not sure that the electronic payment that I made to the school is correct. Self-efficacy 10. New technology advertising influences the use of my electronic payment services. 11. Electronic payments make my life easier. 12. It is hard for me to learn to use electronic payments 13. I have skills and knowledge about how to use electronic payments. Ease of Use 14. Access to electronic payment processes is not complicated. 15. It is easy to use electric payments through all channel provided by school. 16. It is hard to understand the steps of how to make electronic payments. Security 17. Electronic payments are risky because my personal information may be stolen. 18. Electronic payments always have a confirmation from the system. 19. Passwords should be changed every three months for security purposes. 20. Using electronic payments is more risky than payment by cash. 21. The company code and student ID are set to make the electronic payments correctly. Parental Perception Toward Electronic Payment 22. An e-payment system is better than traditional payment channels. 23. I will choose the trusted e-payment system to make transaction. 24. Electronic payments did not work the way I wanted them to work. 25. Electronic payments give me more control over all transactions. Section II: Factors Affecting Parental Perception of Electronic Payments
92 Appendix 3: Interview Guide Organization and Parental Perceptions of Electronic Payments by Selected Seventh - day Adventist (SDA) International School in Thailand Interview Guide Questions: 1. Please tell us what types of electronic transactions your school uses – electronic payments, electronic collections, or both. 2. How long have you been using an electronic payment system and/or electronic collection system in your school? 3. What factors led your organization to start using electronic transactions? 4. How often do you make electronic payment transactions on average each month? 5. For what kinds of expenses are electronic payments mainly used? 6. What problems have been encountered in your school when using electronic transactions? Please give specific examples. 7. How have these problems been resolved? Specific examples, if possible. 8. What internal control systems over electronic transactions are currently used in your school? 9. How often do you receive electronic collections on average each month/year? a. Approximately what percentage of tuition and fees collections from parents are via electronic transactions as compared to cash payments? b. How risky are your school’s electronic payment systems? c. How risky are your school’s electronic collection systems? d. How do you prevent and detect errors and fraud on electronic payments in your school? e. How do you prevent and detect errors and fraud on electronic collections in your school? 10. What suggestions for best practices might be used to monitor electronic transactions and enhance the effectiveness of internal control systems? 11. Do you have any addition information about electronic payments that you would like to share? 12. Do you have any addition information about electronic collections that you would like to share?
93 Appendix 4: Informed Consent August 17, 2018 Dear Administrator, I am currently enrolled in the Master of Business Administration of Asia-Pacific International University, Muak Lek, Saraburi, and I am in the process of writing my Independent Study Project on the topic of “Organization and Parental Perceptions of Electronic Payments” by Selected Seventh-day Adventist International Schools in Thailand. The purpose of this study is to explore the use of electronic payment for tuition and fees and the factors affecting the parental perceptions of electronic payments. It also encompassesthe internal control practices over electronic transactions of the Seventh-day Adventist International Schools in Thailand. The results of this study may produce guidelines or good practices for other educational institutions or other organizations. Therefore, I would like to request your permission to include your school as one of my respondents, and I would like your assistance in collecting information related to electronic transactions by interviewing the school’s financial officers and asking for permission to distribute the questionnaire to the parents of the students in your school. Your data will be treated as strictly confidential and will only be studied and presented as part of a larger overall picture to benefit those who are interested in electronic transactions. So I would like to make an appointment for interview and submit the research questionnaire later. Your favorable consideration will be greatly appreciated. Sincerely yours, Chalersmri Ritthitraiphop Email Address: [email protected] Telephone number: 0982831758
94 Appendix 5: Permission to Collect Data 1. Permission from School A Independent Study xxxxxxxxx Tue, Oct 23, 2018 at 12:00 PM To: Chalermsri Rithitraipop <[email protected]> Dear K. Chalermsri: You are welcome to conduct your study at xxxxxxxxxx Please feel free to distribute your questionnaire to the parents of the school. Sincerely, xxxxxxxxxxx Administrator 2. Letter from School B to the parents December 4, 2018 Dear Parents Mrs. Chalermsri has prepared a questionnaire about “Electronic transactions” focusing on the payment of tuition fees via electronic transactions for selected Seventh-day Adventist International Schools in Thailand. This independent study project is conducted in partial fulfillment of the requirements for the Degree of Master of Business Administration, Faculty of Business Administration, Asia-Pacific International University. Therefore, the school would like to ask for your cooperation to answer the questions attached. Please send the questionnaire back to the school by 14 December 2018. Thank you very much for your cooperation. Sincerely yours, xxxxxxxxx Accounting and Finance Manager
95 3. Permission from School C Requesting permission to collect data for research xxxxxxxxxx Thu, Aug 23, 2018 at 2:13 PM To: Chalermsri Rithitraipop <[email protected]> Dear Khun Chalermsri xxxxxxxxxx School is pleased to invite you to carry out a questionnaire and collect data for research studies If you wish to come on any day help inform the school day and time will prepare and facilitate xxxxxxxxxxx Treasurer
96 Appendix 6: Example of Bill Payment Form
97 Appendix 7: Example of Mobile Banking via Applications Step 1: Log in to the Bank Application with user name and password Step 2: Choose “Pay a Bill” and Search for Biller
98 Step 3: Choose Education Step 4: Key Institution Comp. Code
99 Step: 5 Enter Payment Detail such as student ID.number Step: 6 Put amount to be paid and click “Confirm”
100 Biography Name Mrs. Chalermsri Ritthitraiphop Date of Birth March 1, 1977 Education Attainment 2000: Bachelor degree of Business Administration, Major in Accounting Mission College Work Position Chief Accountant, International School A