Internet Banking - Computers and Internet Essay

Internet Banking - Computers and Internet - Essay Example So the current research empirically investigated the future of Internet banking, through semi-structured, convergent, in-depth interviews and successive stages of this study. At this stage of the paper, the role of the interviews will be outlined and then the nature of this facility will be explained. The objective of this dissertation is to ascertain the perceptions and attitudes to Internet banking usage amongst universities students of the Edinburgh; in particular focusing on the uncertainty associated with the usage. The data collected was primarily quantitative in nature with the questionnaire questions being mostly close ended leaving no scope for divergent and qualitative responses. Though some specific and limited questions were left specifically for qualitative responses; however these were mainly utilized in obtaining concluding impressions of respondents. Three main data sets were collected from respondents pertaining to awareness, understanding and approval of Internet banking. Each data set was comprised of two or three questions in order to obtain an established view of the respondent in respect of the data set or aspect of usage of Internet banking. ... The chief variables concerned basic awareness of Internet banking, knowledge of various possibilities of usage of Internet banking and the factors that promoted/discouraged usage of Internet banking. Questionnaire sought to collect data in respect of these variables. 3.5 Statistical Procedures Results are analyzed with the help of Statistical Package for the Social Sciences (SPSS 11.0) using standard statistical tests and analysis procedures. The values of variables we will give in the results are means and standard deviations throughout. The overall indexes and factor scales are calculated and examined using demographic comparisons and other techniques. Exploratory statistics such as cross tabulation with Chi-Square tests, frequency histograms, and pie charts can calculate to better understand the results. Other statistical analyses included Univariate analysis of variance (ANOVA), based on the General Linear Model (GLM), and calculation of confidence intervals. For all statistical significance tests, a 95% confidence level was working. Such analyses are relatively objective. The following presents a summary of results from all sources and identifies key strategic prospects and recommended actions. In keeping with the triangulation method, we point out significant similarities and differences in findings across sources. For some issues, data are not available from all sources. There are two methods, which are mainly used in researches, and these two methods are: 1. Qualitative research method 2. Quantitative research method In this study, quantitative approach was flexibly so that this approach is use over here. But

American Money Spending Essay Example | Topics and Well Written Essays - 1000 words

American Money Spending - Essay Example Although there are other ethnic groups as well, they are in the minority and due to time constraints will not be included in this survey. Before the survey it was expected to find that whites earn more than the other groups and in relation should spend more. During the survey it was found that people are reluctant to give out information on their earnings and credit standing, and only after making participants comfortable that they will stay anonymous did some of them divulge the information. From 29 persons asked to complete the survey only 11 complied. From the participants only 4 used credit cards and their average outstanding amount on these cards were less than $2000.00. If this survey would have been representative of the whole American population at large with a much larger sampling rate, it would have refuted the statement that the average American has outstanding credit in the region of $4000. The above table was taken from an article by Barbara Hagenbaugh, in the USA today magazine on consumer debt. In another article Liz Weston also argue against this figures as she stated that most Americans do not even own a credit card and of those that do, most own less than $1000. The survey that was developed contained more information than what was explained in the above summary. The survey may have been over developed, and that may be the reason why so many persons did not want to complete the form. If the form were simpler, containing fewer questions, more people may have participated. In addition if tick boxes and not yes or no answers were required, person could have completed forms in less time, making it more acceptable. The questions may have been to direct and it could be possible to use a more subtle method of enquiring into personal information. Then again it would have created confusion with participants, resulting in an increase in time to complete form, which in turn would reduce the amount of persons willing to take part. What I learned from the Survey Firstly there is much more to a survey than just writing a few questions and going out and get people to participate. The survey composition and layout is very important, as this will influence people to take time to fill in the form. Next the target group must be identified before doing the