Research Instrument Reliability

Internal Consistency: The self-developed scale, which has 6 domains, obtained good indicators
of internal consistency through the use of Cronbach’s Alpha (α).

The alpha value for each domain is as follows:

The online Payment Methods domain obtained a Cronbach’s Alpha value of α= 0.87 (See Table
1), which indicates good internal consistency. Cash on Delivery Payment Methods domain
obtained α= 0.91S (See Table 2), which indicates a good internal consistency. The convenience
domain obtains α = 0.71 (See Table 3), which also shows an acceptable internal consistency.
Moreover, the security domain obtains α = 0.70 (See Table 4) familiarity is α = 0.72 (See Table
5). Lastly, the Transaction Fees domain obtained α = 0.72 (See Table 6), which indicates
acceptable internal consistency.

Overall, all test items obtained an acceptable to good internal consistency, which implies that all
items are reliable and accurately measure the variable of interest.

Table 1: Online Payment Methods

Frequentist Scale Reliability Statistics
Estimate Cronbach's α
Point estimate 0.87

Table 2: Cash on Delivery Payment Methods

Frequentist Scale Reliability Statistics
Estimate Cronbach's α
Point estimate 0.91

Table 3: Convenience
Frequentist Scale Reliability Statistics
Estimate Cronbach's α
Point estimate 0.71

Table 4: Security
Frequentist Scale Reliability Statistics
Estimate Cronbach's α
Point estimate 0.70

Table 5: Familiarity
Frequentist Scale Reliability Statistics
Estimate Cronbach's α
Point estimate 0.72

Table 6: Transaction Fees

Frequentist Scale Reliability Statistics

Estimate Cronbach's α
Point estimate 0.72
 RESULTS AND DISCUSSION

1. What are the demographic profiles of the respondents in terms of:

1.1 Age

Frequencies for Age

Age Frequency Percent
17 - 20 years old 68 98.55
21 - 25 years old 1 1.45
Missing 0 0.00
Total 69 100.00

The table above shows the frequency of the respondents’ age. As presented, 68 (98.55%) are in
the age range of 17 – 20 years old, and only 1 (1.45%) respondent is in the age range of 21 – 25
years old.

1.2 Gender
 Frequencies for Sex
Sex Frequency Percent
Female 48 69.57
Male 21 30.43
Missin
0 0.00
g
Total 69 100.00

The table above shows the frequency of the respondents’ gender. As presented, 48 (69.57%) are
female and 21 (30.43%) are male.

1.3 Allowance

Frequencies for Weekly Allowance

Weekly Allowance Frequency Percent
Above PHP 1,500 5 7.25
Below PHP 500 19 27.54
PHP 1,001 - PHP
11 15.94
1,500
PHP 501 - PHP 1,000 34 49.28
Missing 0 0.00
Total 69 100.00

The table above shows the frequency of the respondents’ weekly allowance. As presented, most
of them have a weekly allowance of P 501 – P 1,000. Meanwhile, 19 (27.54%) are below P 500,
11 (15.94%) are receiving P 1,001 – P 1,500, and only 5 (7.25%) respondents have a weekly
allowance of P 1,500.

2. What are the preferred payment methods among the respondents when purchasing Shopee in
terms of:

2.1 Online payment methods (ShopeePay, SeaBank, SPaylater, e-Wallet, Online

Banking)
 Online Payment Methods Mean Interpretation
I prefer ShopeePay because it offers exclusive discounts and 3.46 Neutral
promotions.

I chose SeaBank because of its secure payment processing. 2.86 Neutral

SPaylater is convenient for me as it allows me to pay for my 3.30 Neutral

purchases later.

E-wallet is my preferred method as it integrates well with other 3.48 Neutral

apps I use

Online Banking is my go-to option because of its familiarity and 3.26 Neutral
ease of use

Grand Mean 3.27 Neutral

The table above shows the preferred online payment method of the respondents when purchasing
Shopee. As presented, the item “E-wallet is my preferred method as it integrates well with other
apps I use” obtained the highest mean of 3.48, interpreted as neutral. Meanwhile, “Online
Banking is my go-to option because of its familiarity and ease of use” obtained the lowest mean
of 3.26, interpreted as neutral as well. Overall items obtained a mean of 3.27, interpreted as
neutral. This means that most respondent are sometimes choosing all online payment methods
such as ShopeePay, SeaBank, SPaylater, E wallet and online banking when making a purchase in
Shopee.

2.2 Cash on the Delivery Payment Method

Cash on Delivery Payment Method Mean Interpretation
I prefer Cash on Delivery because it reduces the risk of falling 4.58 Strongly Agree
victims to scams and fraudulent sellers

I feel more safe choosing Cash on Delivery because I don't have 4.51 Strongly Agree
to worry about entering my credit card information, unlike when
paying online
 With Cash on Delivery, I have the assurance that I will receive 4.58 Strongly Agree
the product

By paying Cash on Delivery, I have the opportunity to verify the 4.51 Strongly Agree
authenticity of the product before completing the transaction

Cash on Delivery is my preferred method because it's inclusive 4.54 Strongly Agree
and accessible to everyone, regardless of access to online
payment methods

Grand Mean 4.54 Strongly Agree

The table above shows the preferred cash on delivery payment method of the respondents when
purchasing Shopee. As presented, the item “I prefer Cash on Delivery because it reduces the risk
of falling victims to scams and fraudulent sellers” and “With Cash on Delivery, I have the
assurance that I will receive the product” obtained the highest mean of 4.58, interpreted as
strongly agree. Meanwhile, “By paying Cash on Delivery, I have the opportunity to verify the
authenticity of the product before completing the transaction” obtained the lowest mean of 4.51,
interpreted as strongly agree as well. Overall items obtained a mean of 4.54, interpreted as
strongly agree. This means that most respondent are always choosing cash on deliver payment
methods such as when making a purchase in Shopee.

3. What factors influence the respondent's choice between the various payment methods
in terms of:

3.1 Convenience
Convenience Mean Interpretation
Online payment methods are more convenient for me compared 3.23 Neutral
to Cash on Delivery because they save time and effort

Cash on Delivery is more convenient for me because it allows 4.19 Agree

me to pay only upon receiving the product.

Online payment methods offer quick and hassle-free 3.51 Agree

transactions, making them more convenient for my shopping
needs.
 Cash on Delivery provides convenience as it eliminates the need 4.10 Agree
for prepayment and allows me to verify the product before
paying

Online methods offer features like saved payment information 3.58 Agree
and one-click checkout, enhancing the overall convenience of
the shopping experience.

Grand Mean 3.72 Agree

The table above shows the factors that influence the respondents’ choice between the various
payment methods. As presented, the item “Cash on Delivery is more convenient for THE
RESPONDENTS because it allows to pay only upon receiving the product” obtained the highest
mean of 4.19, interpreted as agree, respectively. On the other hand, “Online payment methods
are more convenient for compared to Cash on Delivery because they save time and effort”
obtained the lowest mean of 3.23, interpreted as neutral. Overall, items obtained a mean of 3.72,
interpreted as agree. This implies that most respondents are convinced that convenience is one of
the factors that influences their decision of payment methods.

3.2 Security
Security Mean Interpretation
Online payment methods provide more security for my 3.17 Neutral
transactions compared to Cash on Delivery because of
encryption and fraud protection measures.

I feel more secure using Cash on Delivery because it reduces the 4.33 Agree
risk of online fraud and unauthorized charges.

Online payment methods offer secure payment gateways and 3.42 Agree
verification processes, ensuring the safety of my financial
information.

Cash on Delivery provides peace of mind as I can inspect the 4.38 Agree
product before making payment, minimizing the risk of
receiving damaged or counterfeit items.

Online payment methods often come with buyer protection 3.57 Agree
policies and dispute resolution mechanisms, adding an extra
layer of security to my purchases.
 Grand Mean 3.77 Agree

The table above shows the factors that influence the respondents’ choice between the various
payment methods. As presented, the item “Cash on Delivery provides peace of mind as I can
inspect the product before making payment, minimizing the risk of receiving damaged or
counterfeit items” obtained the highest mean of 4.33, interpreted as agree, respectively. On the
other hand, “Online payment methods provide more security for my transactions compared to
Cash on Delivery because of encryption and fraud protection measures” obtained the lowest
mean of 3.17, interpreted as neutral. Overall, items obtained a mean of 3.77, interpreted as agree.
This implies that most respondents are convinced that security is one of the factors that
influences their decision of payment methods.

3.3 Familiarity
Familiarity Mean Interpretation
I am more familiar with online payment methods, so I prefer 3.10 Neutral
using them over Cash on Delivery.

Cash on Delivery is more familiar to me, so I prefer using it over 4.39 Agree
online payment methods.

Online payment methods have become familiar to me due to 3.33 Neutral

their widespread usage and ease of access

I find Cash on Delivery familiar and trustworthy because it has 4.43 Agree
been a common payment option for a long time.

As online shopping becomes more prevalent, I have become 3.41 Neutral

more familiar with various online payment methods, leading to
my preference for them over Cash on Delivery.

Grand Mean 3.73 Agree

The table above shows the factors that influence the respondents’ choice between the various
payment methods. As presented, the item “I find Cash on Delivery familiar and trustworthy
because it has been a common payment option for a long time” obtained the highest mean of
4.39, interpreted as agree, respectively. On the other hand, “I am more familiar with online
payment methods, so I prefer using them over Cash on Delivery” obtained the lowest mean of
3.10, interpreted as neutral. Overall, items obtained a mean of 3.73, interpreted as agree. This
implies that most respondents are convinced that familiarity is one of the factors that influences
their decision of payment methods.

3.4 Transaction Fees

Transaction Fees Mean Interpretation

I prefer online payment methods because they usually involve 3.28 Neutral
lower transaction fees compared to Cash on Delivery.

Cash on Delivery is preferable to me because it doesn’t involve 4.20 Agree

additional transaction fees like online payment methods.

I consider transaction fees when choosing payment methods , 3.38 Neutral

and online payment often offer more cost-effective options
compared to Cash on Delivery

Cash on Delivery appeals to me because it eliminates the need to 4.22 Agree

worry about potential overdraft fees or insufficient funds in my
bank account.

Online payment methods often offer promotional deals or 3.67 Agree

discounts that offset transaction fees, making them more
appealing to me.

Grand Mean 3.75 Agree

The table above shows the factors that influence the respondents’ choice between the various
payment methods. As presented, the item “Cash on Delivery appeals to me because it eliminates
the need to worry about potential overdraft fees or insufficient funds in my bank account”
obtained the highest mean of 4.22, interpreted as agree, respectively. On the other hand, “I prefer
online payment methods because they usually involve lower transaction fees compared to Cash
on Delivery” obtained the lowest mean of 3.28, interpreted as neutral. Overall, items obtained a
mean of 3.75, interpreted as agree. This implies that most respondents are convinced that
transaction fees is one of the factors that influences their decision of payment methods.