Research Proposal How Can Paypal Grow in China

BUS703: Research Method Ior Manager Task 4 Research Proposal
Prepared by Guo Xiaobin 1035088

- 1 -
Research Methods for Managers
Assessment 4 - Research Proposal

Factors influencing the adoption of online payment in China
- How PayPal can accelerate the adoption of online payment in China

Prepared for:
Associate Professor Meredith Lewley
BUS703 Research Methods for Managers
University of the Sunshine Coast

Author:
Guo Xiaobin

28 May 2006


- 2 -
Executive Summary

In tandem with the development oI the eCommerce, the China online payment market has
increased steadily. China online payment market will estimate to reach RMB 60.5 billion
in 2007.Many companies have seen this huge opportunity, like EBay`s PayPal, they have
entered in the Chinese market. PayPal is an online payment company which has become
a global leader in this market. China Online payment is currently at its beginning stage.
Although the large number oI internet users in China, but there are still very Iew adopters
oI online payment. Many adopters worry about the security issues and some people are
even unaware oI this way to pay bills, so PayPal Iace a problem oI accelerating the
adoption oI online payment. This research will Iocus on the Iactors inIluencing the
adopting oI online payment in China.

PayPal is a company Iounded in 1998, it is owned by eBay Company. PayPal is a Iamous
online payment company which enables the people with an email address to move money
between individual and business saIely and quickly. PayPal's service uses the bank
accounts, debit and credit cards as the bases. PayPal has nearly 72 million accounts and is
available to users in 56 markets around the world (PayPal 2007). When the PayPal
entered in the China, the China market has not too much consumers to use online
payment system.
In this research, Descriptive research will be used which is to describe characteristics I a
population or phenomenon. It oIten helps segment and target markets. A survey is
conducted and I will conduct descriptive study in order to obtain a deeper understanding
oI the online payment. I need to describe the Iactors inIluencing the adoption oI online
payment in China.


- 3 -
Table of Contents
Executive Summary ...................................................................................................... 2
Table of Contents .......................................................................................................... 3
List of Figures................................................................................................................ 3
List of Tables ................................................................................................................. 3
1. Introduction............................................................................................................... 4
2. Background to the Research Problem...................................................................... 4
3. Problem Definition.................................................................................................... 6
3.1 Management Problem ..................................................................................... 6
3.2 Research Problem............................................................................................ 7
3.3 Research Objectives......................................................................................... 7
4. Literature Review...................................................................................................... 7
4.1 Online Payment overview................................................................................ 8
4.1.1 E-commerce........................................................................................... 8
4.1.2 Online Payment..................................................................................... 8
4.1.3 Risk........................................................................................................ 8
4.2 Consumer attitude towards online payment................................................... 9
4.3 Diffusion of innovations` theory...................................................................... 9
5. Research Design and Methodology......................................................................... 10
5.1 Research Design............................................................................................. 11
5.2 Research Methodology .................................................................................. 12
5.2.1 Data Collection Methods..................................................................... 12
5.2.1.1 Primary Data ............................................................................ 12
5.2.1.2 Secondary Data......................................................................... 12
5.2.1.3 Survey Instrument: Questionnaire .......................................... 12
5.2.2 Sampling.............................................................................................. 13
5.2.3 Data Analysis....................................................................................... 14
6. Additional Issues ..................................................................................................... 14
6.1 Time Schedule................................................................................................ 14
6.2 Budget ............................................................................................................ 15
6.3 Limitation ...................................................................................................... 15
List of References ........................................................................................................ 17
Appendix ------ Sample Questionnaire ....................................................................... 19

List of Figures
Figure 1 Payment options Ior Online Shopping........................................................ 5
Figure 2 Major Chinese Online Payment Operators ................................................. 6
Figure 3 Rogers` Model oI Innovation Adoption ................................................... 10

List of Tables
Table 1 Time schedule........................................................................................... 15
Table 2 Budget ...................................................................................................... 15


- 4 -
1. Introduction

PayPal is a company Iounded in 1998, it is owned by eBay Company. PayPal is a Iamous
online payment company which enables the people with an email address to move money
between individual and business saIely and quickly. PayPal's service uses the bank
accounts, debit and credit cards as the bases. PayPal has nearly 72 million accounts and is
available to users in 56 markets around the world (PayPal 2007). When the PayPal
entered in the China, the China market has not too much consumers to use online
payment system.

So, the purpose oI this research proposal is to provide a research Iramework Ior
evaluating Iactors inIluencing the adoption oI online payment in China. The research
proposal has been divided into the Iollowing sections:
Background to the Research Problem presents the circumstances that have lead to the
immediate problem.
Problem DeIinition outlining the management problem, research problem and
research objectives.
Literature Review analyzing practitioner and academic literature related to the parent
and immediate disciplines oI the research.
Research Design and Methodology highlighting the needed research design and
methodology.
Additional Issues describing time schedules, costs and limitations oI the study.
2. Background to the Research Problem

China`s inIormation technology has huge development including internet access and
personal computer sales since 1998. Although the percentage oI Chinese Iamily owning a
personal computer is low (Trappey & Trappey 2001), other Iamilies would own a
computer by 2010. In 2002, China has become the Iirst largest internet market in the
world; this market has owned 59.1 millions internet users (Wong et al. 2004). In these


- 5 -
years, we Iound we can purchase everything over internet in China. Hundreds oI billions
oI dollars in goods and services will be generated Irom Internet trading (Clinton 1997).
Online payment is also more important in modern society.

Online payment is a kind oI payment via internet based on debit and credit card system
(Bitpipe 2007). In tandem with the development oI the eCommerce, the China online
payment market has increased steadily. Although the proIiciency oI using online payment
system is quite low and online payment is still in its inIancy (AC Nielsen 2002). Due to
advantages oI being convenient and eIIicient, Chinese online payment market are
conIident that electronic payment methods` beneIits are better than other traditional
payment methods in the Iuture and thereIore (Guo 2002). China online payment market
will estimate to reach RMB 60.5 billion in 2007 (China Online & Mobile Payment
Market Report 2006). In general liIe, online payment has a huge market.

Figure 1 Payment options for Online Shopping

Many companies have seen this huge opportunity, like EBay`s PayPal, they have entered
in the Chinese market. PayPal is an online payment company which has become a global
leader in this market. China also has other main online payment operators; PayPal Iaced
huge competition (The Economist 2007). PayPal China supply easy and Iast payment
service and makes online payments extremely saIe. The Mathias Entenmann, vice
president oI PayPal International, said PayPal China was an extremely eIIicient online
payment network that will improve the payment experience and increase the velocity oI


- 6 -
ecommerce in China, as a pioneer oI online payments, we are proud to bring our global
payments expertise and local business knowledge to China (PayPal 2007).

Figure 2 Major Chinese Online Payment Operators

China Online payment is currently at its beginning stage. Although the large number oI
internet users in China, but there are still very Iew adopters oI online payment. Many
adopters worry about the security issues and some people are even unaware oI this way to
pay bills, so PayPal Iace a problem oI accelerating the adoption oI online payment. This
research will Iocus on the Iactors inIluencing the adopting oI online payment in China
(The economist 2007).

3. Problem Definition
3.1 Management Problem


- 7 -
Given the background present in the previous section, the Iollowing management
problem has been identiIied:
How can PayPal accelerate the adoption of online payment in China?

3.2 Research Problem
The management problem has lead to the identiIication oI the Iollowing research
problem:
What are the factors influencing adoption of online payment in China?

3.3 Research Objectives
The Iollowing objectives were derived directly Irom the research problem:
1. To describe the general proIile oI users with adopting online payment
2. To identiIy and examine Iactors inIluencing adoption oI online payment
3. To assist PayPal to Iind out the ways to accelerate the adoption oI online payment
4. To Iind iI there is any association between demographics Iactors and low adoption oI
online payment.

4. Literature Review

There are numbers oI literature addressing the Iactors inIluencing the adoption oI online
payment in China. This literature review are divided into three parts: the Iirst part is
online payment overview, which Iocuses on internet based Iinancial services and the
potential oI these services, along with the associated risks and threats oI such services, as
these elements lead to users not to use online payment system. The second part is
consumer attitude to adoption oI online payment; consumer attitude is key way to analyze
Iactors inIluencing the adoption oI online payment. The third part is diIIusion oI
innovations` theory. This theory is used to analyze the Iactors to adoption oI online
payment. Literature is very important because user satisIaction with a new IT is oIten
used as a key indicator oI adoption, especially where credit card transaction is the main
ingredient to the service provided by that technology (Greenstein & Vasarhelyi 2002).


- 8 -
4.1 Online Payment overview
4.1.1 E-commerce
Electronic commerce (e-commerce) is oIten thought simply to reIer to buying and
selling using the internet, but e-commerce involves much more than electronically
mediated Iinancial transactions between organizations and customers` (ChaIIey 2004, p7).
Zwass (1988) uses a broad deIinition oI e-commerce. He reIers to it as:
the sharing oI business inIormation, maintaining business relationships, and conducting
business transactions by means oI telecommunications networks.
When e-commerce or e-business are gradually Iorm a huge market, the businessman need
an easy and saIe payment method to handle Iinancial transaction.
4.1.2 Online Payment
Online payment is a kind oI payment via internet based on debit and credit card system
(Bitpipe 2007). However, only a small proportion oI total customers use online payment,
the potential is enormous (Holland & Westwood 2001). By using the online payment, the
customer can make a lot oI Iinancial transactions at a low Iinance cost. In a world that is
becoming increasingly open as a result oI the internet and the World Wide Web.
4.1.3 Risk
The risk exists in the using the online payment system. This is the main reasons to aIIect
the adoption oI online payment.
The threat, the threat can come Irom anyone with the motivation to attempt to gain
unauthorized access to the network, or Irom anyone with authorized access to the
network. Online payment system must protect the system saIely (Kalakota & Robinson
2002).


- 9 -
The vulnerability, Vulnerability essentially comes Irom Iailures oI the security system to
protect the network Irom an unauthorized person gaining access to the online payment
network system (HuII, Wade & Schneberger 2000).
Potential Attacks, There are several types oI internet security attack that endanger the
privacy oI the users and the integrity oI their data. The attacks can be carried out using
the most common web browsers, such as Netscape Navigator and MicrosoIt Internet
Explorer. Betts (2002, p.39) has Iollowing to say about Hackers:
Hackers count on the Iact that many organizations won`t have addressed certain
vulnerabilities on their systems; unIortunately, they are oIten correct.
4.2 Consumer attitude towards online payment
The adoption oI online payment depend on users` attitude, the users have get used to
traditional payment method, the new payment method which need to let the customer to
trust the new payment method. Trust is the Ioundation oI any business. Fukuyama (1995,
p.26) deIined trust as the expectation that arises within a community oI regular, honest,
and cooperative behavior, based on commonly shared norms, on the part oI other
members oI that community. For online payment, trust is divided on two parts: social
trust and technical trust. Social trust can be seen as interpersonal trust, which built upon
mutual involvement and Iaith (Saleh 2003). Technical trust is the social actors` trust in
inIormation systems used in online payment system. Trusting online payment lies at the
base oI relationships between Iinancial institutions and individuals, whose collective
activity in competing and cooperating within a regional setting is a key aspect oI
prosperity.
4.3 Diffusion of innovations` theory
The online payment is an innovation oI payment method; Rogers (1995) developed a
model to analyze the adoption oI new technology. It is a general-purpose instrument to
measure the user`s perceptions oI the process oI adopting an IT innovation. The result


- 10 -
was a well-validated, highly reliable instrument to measure the independent variable oI
adopting an IT innovation. The instrument was used to measure the user`s perceptions
concerning personal workstations, which provided empirical evidence to support.

Figure 3 Rogers' Model of nnovation Adoption

5. Research Design and Methodology
In addition to bring an understanding oI the complex Iactors inIluencing the adoption oI
online payment in China, and to extend experience and add strength to what is already
known through previous research, the descriptive approach are used, the descriptive
approach conducted on the existing historical research done on online payment security
and consumers` attitude towards online payment to evaluate their relationship. In
addition, to research the Iactors impact on online payment, a survey was conducted on
China internet users. Statistical data analyses were perIormed on the data collected Irom
the survey.


- 11 -
5.1 Conceptual Framework
Conceptual Iramework has two main Irameworks including positivistic and
phenomenological Irameworks. The positivistic Iramework draws conclusions based on
empirical knowledge. The phenomenological Iramework proposes that reality is socially
constructed and subjective. In this research, I will approach with the positivistic
Iramework since the aim oI the study was to identiIy the research issues, based on
empirical Iindings about the Iactors inIluencing the adoption oI online payment (Sekaran
2003).
5.2 Research Design
When the management problem and literature review has been Iinished, I need to decide
on the best way to gather the inIormation to provide the answers to the research
objectives (Lawley 2007, p.33). So A research design is a master plan speciIying the
methods and procedures Ior collecting and analyzing the needed inIormation` (Zikmund
2003, p.65). Research design includes three common research designs: exploratory
research, descriptive research and causal or experimental research. Exploratory research
is conducted to clariIy ambiguous problems. The descriptive research is used in order to
ascertain and be able to describe the characteristics oI the variables oI interest in a
situation. Hypothesis testing is undertaken to explain the nature oI certain relationship.
In this research, Descriptive research will be used which is to describe characteristics I a
population or phenomenon. It oIten helps segment and target markets. A survey is
conducted and I will conduct descriptive study in order to obtain a deeper understanding
oI the online payment. I need to describe the Iactors inIluencing the adoption oI online
payment in China.
How PayPal can accelerate the adoption oI online payment in China, the purpose oI the
descriptive research is used in order to ascertain and be able to describe the
characteristics oI the variables oI interest in a situation. The Online payment towards
PayPal is a descriptive design which suits very well (Lawley 2006). Furthermore, a


- 12 -
descriptive design will make it possible Ior PayPal management team to use the results
Ior making accurate decisions concerning the target market (Zikmund 2003).
5.2 Research Methodology
Research methodology reIers to the method used to conduct the research.
5.2.1 Data Collection Methods
Data can be obtained Irom primary or secondary sources. Primary data reIers to
inIormation obtained Iirsthand by the researcher on the variables oI interest Ior the
speciIic purpose oI the study. Secondary data reIers to inIormation gathered Irom sources
already existing` (Sekaran 2003).
5.2.1.1 Primary Data
Primary data can be obtained by using three main data collection methods in survey
research: interviewing, administering questionnaires, and observing people and
phenomena. In this report, I will use questionnaires to collect consumer responses to
diIIerent online payment. The sample questionnaires are included in Appendix.
5.2.1.2 Secondary Data
Secondary data can be obtained Irom several sources including books and periodicals,
government publications oI economic indicators, census data, statistical abstracts, data
base, the media, annual reports oI companies, Iinancial databases and others (Sekaran
2003). In this report, I will use several secondary data sources such as articles in journals
and research reports, books, electronic databases, and internet documents.
5.2.1.3 Survey Instrument: Questionnaire
Sekaran (2003) deIines a questionnaire as a reIormulated written set oI questions to
which respondents record their answers, usually within rather closely deIined alternatives.
Questionnaire is an eIIicient data collection mechanism when the researcher knows


- 13 -
exactly what is required and how to measure the variables oI interest. For PayPal, it is
easy to Iind the useIul inIormation Irom questionnaire to make decision to whole
company.
In this research, the questionnaire will contain survey questions. The detail oI the survey
questionnaire is presented in Appendix. A Iive point scale was used to measure all
questions in the questionnaire. The questionnaire is divided into 2 sections: Section A oI
the questionnaire collected the general inIormation oI respondents such as gender, age,
race, marital status, highest education, and annual income. Section B is used to collect
inIormation on consumers` attitude about online payment. The questionnaire will be
emailed to total 30000 respondents Irom six major cities oI China; the colleted data will
be analyzed using SPSS soItware.
The survey was concerned with users and non-users oI online payment. The
questionnaire Iocused on the Iollowing main issues:
consumers' attitudes and reactions to new technology;
consumers' attitudes to the traditional payment channel;
consumers' perceptions oI online payment attributes;
consumers' expectations and major concerns oI online payment;
psychological Iactors; and
Demographic Iactors.
5.2.2 Sampling
Sekaran (2003) deIines sampling as the process oI selecting a suIIicient number oI
elements Irom the population, so that a study oI the sample and an understanding oI its
characteristics would make it possible Ior the researcher to generalize such characteristics
to the population elements.


- 14 -
A random sampling procedure was employed to select the internet users Ior survey. The
database oI email address oI China hotmail users will contact with MicrosoIt Hotmail
department. 30000 email owners will be contacted to participate in the survey.
The participants received an email requesting their participation and directing them to the
questionnaires. AIter two weeks oI sending the email, a second email was sent to remind
those who had not completed the survey. The response rate is expected to be higher than
10.
5.2.3 Data Analysis
Data collected Irom the surveys need to be analyzed and presented to generate the
objectives oI this research. The descriptive statistical methods are used to analyze and
present data derived Iorm the surveys using questionnaires. Data analysis will divided in
two levels: The Iirst level explores relationships between online payment and consumers`
attitude towards PayPal. The second level determines relationships between PayPal and
Iactors inIluencing the adoption oI online payment. Statistics and qualitative data analysis
will be used. The result will be in the Iorm oI Charts, tables, percentages, averages and
others.
6. Additional Issues
6.1 Time Schedule
The time table below shows the timeline Ior the major tasks oI the study.
Month Target
1
st
March Start to write project proposal
10
th
March Review oI literature
20
th
March DraIt literature review
15
th
April
Review research methods literature and agree research objectives and
get Iormal access to PayPal Ior collection oI primary data and begin
to write draIt project.


- 15 -

6.2 Budget
The budget oI the research is total RM 18,350
Description Calculation Cost
Computer usage Iees RM5*5hours*150days RM 3750
Incentives RM100*50 persons RM 5000
Data analysis RM120*40hours*2weeks RM 9600
Total Cost RM 18,350
Table 2 Budget

6.3 Limitation

Although this research will provide useIul inIormation Ior understanding online payment
and Iactors inIluencing the adoption, there are some limitations oI this research.
- The Iinancial position oI the PayPal is not considered in the study. ThereIore the
respondents are unable to determine the risk oI using PayPal online payment system.
- Due to time constraint, the all questionnaires can not be collected beyond the
respondent rate in time. The number oI questionnaire might inIluence the Iinal results
oI this research.
- Unequal weighting oI age oI the respondents, Majority oI the respondents in this
research Irom the age between 26 to 35 years old. Unequally distribution oI age
would aIIect the result oI this research.
10
th
May
Finish the questionnaires delivered to 30000 respondents across the
China internet users;
15
th
June Finish Background and literature review
20
th
June Finish Research methodology.
1
st
July Collection oI questionnaires and analysis data, Iinish Analyses
20
th
August Completion oI Iirst draIt oI project report
1
st
September Final writing oI project report
Table 1 Time schedule


- 16 -

(2824 words excluding executive summary and reIerences)


- 17 -
8941#010703.08
1. AC Nielsen 2002, China Online Banking Studv, available at:
http://estore.chinaonline.com/chinonlbanstu.html~
2. Betts, W 2000, DeIying denial oI service attacks`. Network Maga:ine, p. 36-41
3. Bitpipe 2007, Bitpipe Website, Viewed 11 April 2007,
http://www.bitpipe.com/tlist/Online-Payments.html~
4. ChaIIey, D 2004, E-Business and E-Commerce Management, 2
nd
edn, Prentice Hall.
5. China Online & Mobile Payment Market Report 2006, Viewed 15 April 2007
6. Clinton, WJ 1997, Global Issues, 2(4),2
7. Greenstein, M & Vasarhelyi, M 2002, Electronic Commerce. Securitv, Risk
Management, and Control, 2
nd
edn, McGraw-Hill Irwin.
8. :4People Dailv, Viewed 20 April 2007
www.peopledaily.com.cn/business~
9. Holland, CP & Westwood, JB 2001. Strategies in Banking. Communications oI the
ACM, p. 53-57
10. HuII, SL, Wade, M & Schneberger S 2000, Cases in Electronic Commerce, 2
nd
edn,
McGraw-Hill Irwin.
11. Kalakota, R & Robinson, M 2002, E-Business 2.0. Roadmap for Success, Pearson
Education.
12. Lawley, M 2007, Course Work Guide in BUS 703 Research Methods for Managers,
University oI the Sunshine Coast, Maroochydore DC, Australia.
13. O` Brien, JA 2003, Introduction to information svstems. essentials for the E-business
enterprise, 11
th
edn, McGraw-Hill company.
14. PayPal 2006, PavPal website, viewed 10 April 2007, http://www.paypal.com~.
15. Rogers, EM 1995. Diffusion of Innovation, 4
th
edn, Free Press, New York.
16. Saleh, ZI 2003. An examination of the internet securitv and its impact on trust and
adoption of online banking, Capella University.
17. Sekaran, U 2003, Research Methods Ior Business, 4
th
edn, John Wiley & Sons, Inc.
18. Summers, J & Smith, B 2005, Communication Skills Handbook, 2
nd
edn, John Wiley
& Sons, Brisbane.


- 18 -
19. The Economist 2007, Finance and Economics: A battle at the checkout; Online
payments`, The Economist, London: May 5, 2007, Vol. 383, Iss. 8527; pg. 82
20. Trappey, CV and Trappey, AJC 2001, Electronic commerce in Greater China`,
Industrial Management and Data Svstems, Vol. 101 No. 5, pp. 201-20.
21. Wong, X, Yen, DC and Fang, X 2004, E-commerce development in China and its
implications Ior businesses, Asia Pacific Journal of Marketing and Logistics, Vol. 16
No. 3, pp. 68-83.
22. Zikmund, WG 2003, Business Research Methods, 7
th
edn, Thomson South-Western,
USA.
23. Zwass, V 1998, Structure and macro-level impacts oI electronic ecommerce: Irom
technological inIrastructure to electronic marketplaces`. In Emerging Information
Technologies, ed.k. Kendall, Sage, Thousand Oass, CA.


- 19 -
Appendix ------ Sample Questionnaire

Questionnaire
Title: Factors influencing the adoption of online payment in China

Dear Sir or Madam:
Please be inIormed that I am a student oI The University oI Sunshine Coast. I am
currently conducting a study to investigate the Iactors inIluencing the adoption oI online
payment in China, to IulIill the requirement Ior my Master oI Business Administration
Degree. ThereIore, you opinion and cooperation in answering the enclosed questionnaire
will contribute towards the completion oI this research. Your response will be kept
strictly conIidential.

Thank you Ior your time and cooperation.

Yours sincerely,

Guo Xiaobin
The University oI Sunshine Coast

Section A
Please tick (\) that corresponds to your response.
1. Sex:
. Male . Female
2. Age:
. 18-25 years old . 26-35 years old . 36-45 years old . 46-55 years old
3. Race:
. Han .Others, please speciIy
4. Marital status:
. Single . Married


- 20 -
5. Highest Education QualiIication:
. Middle School . Diploma . Degree . Master . PHD
6. Annual Income:
. Below RMB 10,000.00 . RMB 10,000.00 - RMB 30,000.00
. RMB 30,001.00 - RMB 60,000.00 . RMB 60,001.00 - RMB 100,000.00
. RMB 100,001.00 - RMB 200,000.00 . RMB 200,001.00 and above
7. Please rate your skill level using computer
. Don`t use computer Low
. Less than average . Average . Better than average . High
8. Please indicate the approximate numbers per week you use the online payment system.
. Don`t use the online payment system
. 1 to 5 . 6 to 10 . 11 to 15 . 16 to 20 . More than 20

Section B
Please circle the number that best represents you choice.
1 2 3 4 5
Strongly
Disagree
Disagree Neutral Agree Strongly
Agree

9. Although it might be helpIul, using PayPal online payment system is certainly not
compulsory in my liIe.
.1 . 2 . 3 . 4 .5
10. Using PayPal online payment enables me to conduct Iinancial transactions more
quickly.
.1 . 2 . 3 . 4 .5
11. Using PayPal online payment improves the quality oI the Iinancial service.
.1 . 2 . 3 . 4 .5
12. Using PayPal online payment makes it easier to do conduct Iinancial transactions.
.1 . 2 . 3 . 4 .5
13. Using PayPal online payment enhances my eIIectiveness oI my Iinancial transactions.


- 21 -
.1 . 2 . 3 . 4 .5
14. Using PayPal online payment gives me greater control over my Iinances.
.1 . 2 . 3 . 4 .5
15. Using PayPal online payment is compatible with all aspects oI my liIe.
.1 . 2 . 3 . 4 .5
16. I think that using PayPal online payment Iits well with the way I like to do things.
.1 . 2 . 3 . 4 .5
17. Using PayPal online payment Iits into my liIe style.
.1 . 2 . 3 . 4 .5
18. My interaction with PayPal online payment is clear and understandable.
.1 . 2 . 3 . 4 .5
19. I believe that it is easy to get PayPal online payment to do what I want it to do.
.1 . 2 . 3 . 4 .5
20. Overall, I believe that PayPal online payment is easy to use.
.1 . 2 . 3 . 4 .5
21. Leaning to conduct PayPal online payment is easy Ior me.
.1 . 2 . 3 . 4 .5
22. I would have no diIIiculty telling others about the results oI using an online payment.
.1 . 2 . 3 . 4 .5
23. I believe I could communicate to others the consequences oI using an online payment.
.1 . 2 . 3 . 4 .5
24. The results oI using PayPal online payment are apparent to me.
.1 . 2 . 3 . 4 .5
25. I would have diIIiculty explaining why using online payment may or may not be
beneIicial.
.1 . 2 . 3 . 4 .5
26. Online payment is widely used.
.1 . 2 . 3 . 4 .5
27. Online payment is not very visible to many people
.1 . 2 . 3 . 4 .5


- 22 -
28. Online payment implement security measures to protect Internet users.
.1 . 2 . 3 . 4 .5
29. Online payment usually ensures that transactional inIormation is protected Irom
accidentally altered.
.1 . 2 . 3 . 4 .5
30. Online payment is unreliable.
.1 . 2 . 3 . 4 .5
31. Online payment cannot be trusted; there are just too many uncertainties.
.1 . 2 . 3 . 4 .5
32. In general, I cannot rely on online payment to keep the promises that they make.
.1 . 2 . 3 . 4 .5
33. Online payment is risky.
.1 . 2 . 3 . 4 .5
34. Online payment entails uncertainty or vulnerability.

Thank you again for your participation.

Research Proposal How Can Paypal Grow in China

Enviado por

Dados do documento

Direitos autorais

Formatos disponíveis

Compartilhar este documento

Compartilhar ou incorporar documento

Opções de compartilhamento

Você considera este documento útil?

Este conteúdo é inapropriado?

Direitos autorais:

Formatos disponíveis

Research Proposal How Can Paypal Grow in China

Enviado por

Direitos autorais:

Formatos disponíveis

BUS703: Research Method Ior Manager Task 4 Research Proposal

Prepared by Guo Xiaobin 1035088

3.1 Management Problem

Você também pode gostar