THE PAYMENTS SECURITY AND CONVENIENCE ON CONSUMER OF MOBILE PAYMENTS IN BAGUIO CITY, PHILIPPINES

This study investigated the payment security and convenience of consumers of mobile payment applications in Baguio City. Specifically, it assessed the level of acceptance of mobile payment applications, compared the acceptance of GCash with other mobile payment platforms, and identified the challenges faced by users of these applications. Using a descriptive research design, a sample of 150 respondents was selected through convenience sampling. Based on the findings, the research revealed a positive perception of ease of use, security, and usefulness as the primary factors driving the increased acceptance and utilization of mobile payments by users. Key challenges identified included difficulty in reversing erroneous transactions, delayed notifications, inaccessible customer service, network disruptions, slow processing times, and the absence of offline functionality. Furthermore, the findings revealed that GCash is significantly more accepted than other mobile payment applications, with consumer-operators displaying higher acceptance levels compared to individual consumers. These results provide valuable evidence for mobile payment operators to enhance their technological platforms, addressing user challenges and promoting increased adoption and usage among various client segments.<p> </p><p><strong> Article visualizations:</strong></p><p><img src="/-counters-/soc/0778/a.php" alt="Hit counter" /></p>