Department of Education

Region XII
School Division of Koronadal City
Concepcion National High School
Senior High School
Accountancy, Business and Management

LEVEL OF AWARENESS IN USING E-WALLET IN-APP PURCHASES

AMONG STEM-ABM 11 STUDENTS: BASIS FOR ORIENTATION PROGRAM
ON SAFETY AND PRECAUTION IN DOING DIGITAL TRANSACTION

MARIANNE E. FACINABAO
KYNTH A. ACANTO
JANELL C. CASTILLO
Researchers

IRENE JOY E. MAGBANUA

Research Adviser

In Partial Fulfillment
Of the Requirements for Senior High School
In Research Project

April 2024
 Department of Education
Region XII
School Division of Koronadal City
Concepcion National High School
Senior High School
Accountancy, Business and Management

LEVEL OF AWARENESS IN USING E-WALLET IN-APP PURCHASES

AMONG STEM-ABM 11 STUDENTS: BASIS FOR ORIENTATION PROGRAM
ON SAFETY AND PRECAUTION IN DOING DIGITAL TRANSACTION

A Research Paper

MARIANNE E. FACINABAO
KYNTH A. ACANTO
JANELL C. CASTILLO
Researchers

IRENE JOY E. MAGBANUA

Research Adviser

In Partial Fulfillment
Of the Requirements for Senior High School
In Research Project

April 2024
 APPROVAL SHEET

This Research paper entitled Level of Awareness in Using E-wallet In-

App Purchases among STEM-ABM 11 Students: Basis for Orientation
Program on Safety and Precaution in Doing Digital Transaction, prepared
and submitted by Marianne E. Facinabao, Kynth A. Acanto, & Janell C.
Castillo in partial fulfillment of the requirements in Research Project has passed
the standards set by the Concepcion National High School, Senior High School
Department and has been successfully defended before the panel examiners.

DESIDERIO A. PAGDATO JR. ORLANDO S. SERRANO JR.

Member, Examining Committee Member, Examining Committee

IRENE JOY E. MAGBANUA

Chairperson, Examining Committee

Comprehensive Examination: Passed

Date: April 11, 2024
Grammarian: Desiderio A. Pagdato Jr.
Statistician: Orlando S. Serrano Jr.

Accepted as partial fulfillment in Research Project in Accountancy,

Business and Management, Senior High School Department.

IRENE JOY E. MAGBANUA JESICA L. PALMA

Research Adviser Senior High School Coordinator

RANDY L. PENDILLA
Principal II
 C E R T I F I C A T I O N

This is to certify that the undersigned has reviewed the research paper of

Marianne E. Facinabao, Kynth A. Acanto, and Janell C. Castillo, ABM 12

students of Concepcion National High School, regarding the appropriateness of

the statistical tools and techniques for improving the study.

This certification is granted to fulfill the requirement for the final printing of

their research paper.

Issued this month of May 2024 at Concepcion National High School,

Koronadal City, South Cotabato.

ORLANDO S. SERRANO JR.

Statistician
 C E R T I F I C A T I O N

This is to certify that the undersigned has reviewed the research paper of

Marianne E. Facinabao, Kynth A. Acanto, and Janell C. Castillo, ABM 12

students of Concepcion National High School, in terms of content, brevity,

grammar, organization, mechanism, and style, which has contributed to the

improvement of the study.

This certification is granted to fulfill the requirement for the final printing of

their research paper.

Issued this month of May 2024 at Concepcion National High School,

Koronadal City, South Cotabato.

DESIDERIO A. PAGDATO JR.

Grammarian
 DEDICATION LETTER

We dedicate this research to the people who have been a consistent

source of inspiration and encouragement throughout our academic life and who

have played an important role in our academic journey.

To our Almighty God, our foremost inspiration in pursuing this study

towards the attainment of our personal as well as our goal as a team.

To our family, who have always supported us in pursuing our goals and

had faith on us. Your unwavering dedication, understanding, and sacrifices have

been the cornerstone of our success.

To our teachers, who have guided and instructed us constantly to improve

this study, transmitted knowledge, and cultivated our intellectual curiosity. We

would want to sincerely thank you for all of your hard work on this research

project.

To those who took the time to answer the survey and participate in the

study. Without your cooperation and willingness to share your opinions and

experiences, this research would not have been achievable.

To everyone who has contributed to this research, thank you for your

support and involvement. We are grateful for the opportunity to conduct this

study with such amazing support. Together, we have overcome every obstacle,

and for that, we applaud each of us with heartfelt admiration.

The Researchers
 ABSTRACT

The research study conducted among STEM and ABM 11 students aimed

to gauge the level of awareness regarding e-wallet usage in app purchases and

revealed a moderate level of awareness among the respondents. This finding

underscored the importance of addressing gaps in knowledge and awareness,

particularly in the realm of digital transactions, where security and precautionary

measures were paramount.

Recognizing the significance of this issue, the researchers came up with a

plan to implement an orientation program aimed at enhancing users' awareness

and knowledge in the domain of digital transactions. The orientation program

seeks to equip students with the necessary skills and understanding to navigate

e-wallet usage safely and securely. Through interactive sessions, informative

materials, and practical demonstrations, participants gained insights into the

potential risks associated with digital transactions and learned best practices for

safeguarding their financial information. Emphasis is placed on cultivating a

heightened sense of awareness, alertness, and security among users,

empowering them to make informed decisions when engaging in e-wallet

transactions.

By bridging the gap between existing knowledge and the requirements for

safe digital transactions, the orientation program aims to empower STEM and

ABM 11 students with the confidence and competence to navigate the digital

landscape responsibly. Through proactive education and awareness-building

initiatives, the program also intends to encourage a culture of digital literacy and

security, ensuring that students were well-prepared to engage with e-wallets and
other digital payment methods in a safe and informed manner. Ultimately, the

orientation program will serve as a proactive step towards enhancing the digital

resilience of students and promoting responsible digital citizenship.

 ACKNOWLEDGEMENT

The following people were very helpful in the conduct of this study, and

the researchers would like to thank them for their assistance.

To Ma’am Irene Joy E. Magbanua, for her suggestions, support and

supervision to make this study successful;

To Sir Randy L. Pendilla, Principal II for his untiring assistance and

zealous leadership in allowing the researchers to conduct the study in

Concepcion National High School.

To Sir Jonathan Juharto B. Dimalen, for allowing us to used his time in

conducting our survey;

To Sir Orlando S. Serrano Jr. for being our statistician for this research;

To Sir Desiderio A. Pagdato Jr. for being our grammarian for this

research;

To everyone who has offered their unwavering backing and support in any

manner for the completion of this study;

And finally, to GOD, for peace, joy, and love showered upon him.

To all of you, thank you so much!

 TABLE OF CONTENTS

TITLE PAGE PAGE NO.

TITLE

ABSTRACT ii

ACKNOWLEDGEMENT iii

TABLE OF CONTENTS iv

Chapter I Introduction

Background of the Study 1

Statement of the Problem 3

Conceptual Framework 4

Scope and Delimitation 5

Significance of the Study 5

Definition of the Study 7

Chapter II Review of Related Literature 9

Chapter III Methodology

Research Design 12

Locale of the Study 12

Respondents of the Study 13

Research Instrument 13

Data Gathering Procedure 13

Sampling Data 13

Ethical Considerations 14

Statistical Analysis & Treatment 14

Chapter IV Presentation, Analysis and Interpretation of Data 16

Chapter V Summary of Findings, Conclusions and Recommendations

Summary of Findings 26

Conclusions 28

Recommendations 29

References 31

Appendices 36

Personal Information 50
 Appendix B

Letter of Permission
 Appendix C

Letter of Validation
 Appendix D

Questionnaire

Name: (Optional) _________________ Grade & Section: ___________

A. LEVEL OF AWARENESS IN USING E-WALLET IN-APP PURCHASES

Instruction: For each statement below, please check the appropriate column
that best describes your answer as to the level of awareness in using e-wallet
in-app purchases.

5 – Extremely Aware
4 – Moderately Aware
3 – Somewhat Aware
2 – Slightly Aware
1 – Not at all Aware

1. Level of Awareness on the use of e- 5 4 3 2 1

wallet
1.1 How aware are you regarding the
functionality of e-wallet?
1.2 How aware are you of e-wallet
transactions for making digital
payments?
1.3 How aware are you when you
encounter a problem or scam?
1.4 How aware are you of the potential
financial benefits of using e-wallet in-
app purchases?
1.5 How aware are you of the concept
of e-wallet in-app purchases?
B. EXTENT OF UTILIZATION OF E-WALLET IN-APP PURCHASES
Instruction: For each statement below, please check the appropriate column
that best describes your answer as to the level of awareness in using e-wallet
in-app purchases.

5 – Strongly Agree
4 – Agree
3 – Undecided
2 – Disagree
1 – Strongly Disagree

1. Frequency of Use 5 4 3 2 1
1.1 I often use e-wallet in-app
purchases.
1.2 I believe that using e-wallet in-
app purchases saves me time.
1.3 I feel comfortable using e-wallet
in-app purchases.
1.4 I have positive experience when
using e-wallet in-app purchases.
1. 5 I feel that using e-wallet in-app
purchases is a secure payment
method.
2. Perceived Usefulness 5 4 3 2 1
2.1 I perceive making in-app
purchases using an e-wallet as an
efficient payment method.
2.2 Using an e-wallet for in-app
purchases reduces the need to carry
physical cards or cash.
2.3 I find it easier to manage my
expenses when using e-wallet in-
app purchases.
2.4 I feel more in control of my
spending when using e-wallet in-app
purchases.
2.5 E-wallets allow for quick and
hassle-free refunds for in-app
purchases.
3. Ease of Use 5 4 3 2 1
3.1 The user interface of e-wallets
for app purchases is user-friendly.
3.2 I find it easy to navigate through
the different features of an e-wallet
for app purchases.
3.3 Using an e-wallet for in-app
purchases is convenient and easy
to understand.
3.4 I feel secure in using an e-wallet
for making in-app purchases.
3.5 I find it simple to add funds to
my e-wallet for app purchases.
 Appendix E

1. Level of Awareness on the use of e- 5 4 3 2 1

wallet
1.1 How aware are you regarding the 0 16 6 13 1
functionality of e-wallet?
1.2 How aware are you of e-wallet 0 16 11 8 1
transactions for making digital
payments?
1.3 How aware are you when you 12 12 10 2 0
encounter a problem or scam?
1.4 How aware are you of the potential 4 7 10 13 2
financial benefits of using e-wallet in-
app purchases?
1.5 How aware are you of the concept 3 11 11 7 4
of e-wallet in-app purchases?

1. Frequency of Use 5 4 3 2 1
 1.1 I often use e-wallet in-app 4 10 13 3 6
purchases.
1.2 I believe that using e-wallet in- 3 20 11 2 0
app purchases saves me time.
1.3 I feel comfortable using e-wallet 1 5 20 9 1
in-app purchases.
1.4 I have positive experience when 2 10 16 7 1
using e-wallet in-app purchases.
1. 5 I feel that using e-wallet in-app 2 11 15 6 2
purchases is a secure payment
method.
2. Perceived Usefulness 5 4 3 2 1
2.1 I perceive making in-app 0 11 19 3 3
purchases using an e-wallet as an
efficient payment method.
2.2 Using an e-wallet for in-app 3 13 13 5 1
purchases reduces the need to carry
physical cards or cash.
2.3 I find it easier to manage my 2 8 16 8 2
expenses when using e-wallet in-
app purchases.
2.4 I feel more in control of my 1 7 16 7 5
spending when using e-wallet in-app
purchases.
2.5 E-wallets allow for quick and 5 13 10 5 3
hassle-free refunds for in-app
purchases.
3. Ease of Use 5 4 3 2 1
3.1 The user interface of e-wallets 4 11 14 3 4
for app purchases is user-friendly.
3.2 I find it easy to navigate through 1 13 14 7 1
the different features of an e-wallet
for app purchases.
3.3 Using an e-wallet for in-app 1 11 15 7 2
purchases is convenient and easy
to understand.
3.4 I feel secure in using an e-wallet 2 10 15 7 2
for making in-app purchases.
3.5 I find it simple to add funds to 2 6 19 4 5
my e-wallet for app purchases.

Appendix F
Documentation
Appendix G
 CURRICULUM VITAE

PERSONAL DATA

Name : Marianne E. Facinabao

Date of Birth : March 18, 2006

Place of Birth : Koronadal City

Religion : Roman Catholic

Father’s Name : Ritzie P. Facinabao

Mother’s Name : Chona E. Facinabao

Email Address : [email protected]

Home Address : Prk. Magsaysay, Brgy. Concepcion

Mobile Number : 09853303366

EDUCATIONAL ATTAINMENT

Elementary : Koronadal Central Elementary School II

Year Graduated : 2017-2018

Secondary : Concepcion National High School

Year Graduated : 2023-2024

Appendix G
 CURRICULUM VITAE

PERSONAL DATA

Name : Kynth A. Acanto

Date of Birth : March 06, 2006

Place of Birth : Koronadal City

Religion : Roman Catholic

Father’s Name : Edwin F. Acanto

Mother’s Name : Cristine A. Acanto

Email Address : [email protected]

Home Address : Prk.Golden Shower, Brgy. New Pangasinan

Mobile Number : 09911380331

EDUCATIONAL ATTAINMENT

Elementary : Marbel 4 Elementary School

Year Graduated : 2017-2018

Secondary : Concepcion National High School

Year Graduated : 2023-2024

Appendix G
 CURRICULUM VITAE

PERSONAL DATA

Name : Janell C. Castillo

Date of Birth : April 28, 2006

Place of Birth : Koronadal City

Religion : Roman Catholic

Father’s Name : Jhon T. Castillo

Mother’s Name : Nora C. Castillo

Email Address : [email protected]

Home Address : Prk. Magsaysay, Brgy. Concepcion

Mobile Number : 09813078116

EDUCATIONAL ATTAINMENT

Elementary : Marbel 6 Elementary School

Year Graduated : 2017-2018

Secondary : Concepcion National High School

Year Graduated : 2023-2024