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This report focuses on choosing a product, brand, or service and independently running research on the one chosen. We chose online banking to help online banking services gain an understanding of the usage of their consumers. We developed one main research question with five categories/independent variables. To quantify each of these categories, we created an 18 question survey, which was broken into six categories: usage and the five independent variables (Demographics, Convenience, Security, Accessibility, and Financial Commitment). By having a usage block, we used those questions to analyze our data on how the dependent variables affect usage (independent variable). We ran frequency tests and statistical analyses to look at the trends and relationships between the variables. With this information, we created a report, which presents our reasoning for our research objective and the results from our data analysis. The report contains an introduction showing the reasoning for our project and why it is important. The methods look at how we created our research objective and why we chose the dependent variables we did. The results section shows results and interpretations of the data analysis. Lastly, the conclusion points out the key findings discovered throughout the research process. We feel that this project is important in finding which factors affect the usage of online banking backed up by factual, statistical data.