The Impact of User Attitudes Toward Online Financial Transactions on the Acceptance of Financial Technology in the Bangkok Metropolitan Region

Abstract

     This research aimed to 1) study the attitudes of online financial transaction users in Bangkok and Metropolitan Region, and 2) examine the impact of online financial transaction attitudes on the acceptance of financial technology among users in Bangkok and Metropolitan Region. This quantitative research utilized questionnaires to collect data. The sample consisted of online financial transaction users in Bangkok and Metropolitan Region, the sampling method was accidental sampling, 400 people in business districts, walking streets, department stores, hotels, restaurants, convenience stores, markets, train stations, and other locations. The statistics used for data analysis included means, standard deviations, frequencies, and multiple regression analysis.
     The results revealed that 1) Attitudes toward online financial transaction services, in terms of usage procedures, ease of use, accuracy, security, and image, the acceptance of financial technology among service users in Bangkok and Metropolitan Region. in terms of system, information, and service, reflected a highly significant, and 2) The results of the online financial transaction user attitude test indicated that online financial transaction users responded to the need for easy-to-understand and convenient procedures, accurate and reliable data, and user data security systems. Furthermore, the overall service and staff problem-solving were also well-informed. When problems or irregularities were encountered, immediate notifications were provided, directly impacting the acceptance of financial technology among service users in Bangkok and its vicinity, with a statistically significant level of 0.05. This recommendation is intended to guide financial service providers to prioritize good service systems that are easily accessible, convenient to use, reliable, and secure, reducing transaction steps and time, and eliminating long queues, to effectively enhancing service and customer satisfaction.