EMPLOYEE PERCEPTION ON MOBILE PAYMENT SERVICES IN YANGON

This study intends to identify the mobile payment services and analyse the perceptions of employees towards mobile payment services in Yangon. This study focuses on technology friendly young to middle-aged employees who are working in telecommunication industry. In order to fulfil the research objectives, both primary and secondary data are used in this study. The primary data is taken from the survey questionnaires by using quota sampling method. There were 98 respondents, who are staffs from telecom operators, to the questionnaires. For secondary data, which are the payment systems, available mobile services and the future target customers to enhance the cashless society in Myanmar, have been taken from the related public sources like news websites, payment companies’ websites and so on. The study concluded that perception of the customers such as usefulness of the service, ease of usefulness, responsive of the payment received merchants and financial institution and the perceive risk are positively related to the usage behaviour of mobile payment services. As per the analysis, perceived usefulness is significantly influence on the adoption of mobile payment services. Effective communication on new available functions and service receiving partners is recommended to the financial institutions for usage incrementation of end users