Attitudes and Behaviors towards Online Financial Services via Smartphone of Thai Population in Bangkok, Thailand Metropolis and Vicinity during the Covid-19 Situation

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Jak Piriyapornsiri, Keattisak Chankeaw,Payear Sangiumvibool

Abstract

This article aimed to study demographic factors, relationship between attitudes and behaviors towards
online financial services via smartphones of Thai population in Bangkok, Thailand Metropolis and
Vicinity during the Covid-19 situation. The study was conducted among 400 Thai people living in
Bangkok, Thailand Metropolis and Vicinity. A questionnaire was used as the instrument. Statistics in
the study included percentage, mean, standard deviation, and Pearson correlation coefficient.
The findings from the study showed that most of the participants were female school/college
students aged 18-25 years with an average monthly income of 5,000-10,000 baht and live in Bangkok.
Most people knew how to use online financial services via smartphone through advertisements on
social media such as Facebook, Twitter or Tiktok. They used the service of Siam Commercial Bank
(SCB EASY APP) the most, 1-3 times /day. The type of transaction they most likely used was money
transfer from their accounts to accounts of others. The reason they used the service was that it was
convenient, fast and trendy. With regard to data analysis about attitudes and behaviors towards online
financial services via smartphone of Thai population in Bangkok Metropolis and Vicinity during the
Covid-19 situation, it was found that most people had attitudes towards “confidence in the banking
system” and most of them have behaviors towards online financial services via smartphone since it
was convenient, fast and easy to use.

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