World Education Connect Multidisciplinary e-Publication, Vol. V, Issue XII (December 2025), pp.85-92
Analyn M. Dublin
Angelou S. Flores
Reymart J. Niez
Jade C. Jornales
Biliran Province State University, Naval, Biliran, Philippines
ABSTRACT
ANALYN M. DUBLIN, ANGELO S. FLORES, REYMART J. NIEZ., Biliran Province State University, Naval, Biliran, Philippines. (April 2025). "ACCEPTABILITY OF CARD TRANSACTION AMONG MICRO ENTERPRISES IN NAVAL BILIRAN" An Undergraduate Thesis.
Adviser: GLEMARK N. SAPLAD
This study determined the acceptance of card transactions among micro enterprises in Naval, Biliran, by identifying the demographic profile in terms of age, sex, educational attainment, designation, and the level of acceptance in terms of perceived usefulness, perceived ease of use, and perceived security. The researcher used a mixed-methods, sequential explanatory design, which means collecting and analyzing quantitative data first, followed by qualitative data. Surveys were conducted with forty-six (46) microenterprises registered with the Department of Trade and Industry (DTI) across the retail, service, and building material sectors. Additionally, one-on-one interviews were held to gain deeper insights into the acceptability of card transactions. Participants' responses were analyzed through descriptive statistics analysis and thematic analysis. The study revealed that most of the respondents were 31-40 years old, among whom were females (60.87%). Most of them were in charge of a business and graduated from high school. The majority of respondents provided approximately agree responses regarding the level of acceptance of card payments, with perceived usefulness, perceived ease of use, and perceived security.
On the other hand, the issues and challenges of accepting microenterprises include technological barriers, security and fraud concerns, financial constraints, lack of familiarity and training, customer preferences, and reluctance. These findings highlight the need for a digital literacy program to enhance the acceptance of card-based payments among microenterprises in Naval, Biliran. Micro-entrepreneurs should become literate in digital technology to operate this kind of payment, enabling them to leverage its benefits.
Keywords: small businesses, card payments, electronic transactions, economic inclusion, growth opportunities, obstacles to adoption, cashless economy.
https://doi.org/10.65494/pinagpalapublishing.33
