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Research Article

Online Payment System Adoption and Purchase Decisions of College Students

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Jhonny Cantorne Ayag , Jingle Marie Amago
Psych Educ Multidisc J, 2026, 62 (10), 1207-1218, DOI: https://doi.org/10.70838/PEMJ.621004, ISSN 2822-4353
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Abstract

The primary purpose of this study was to determine the relationship between online payment system adoption and purchase decisions among college students and to examine whether significant differences exist when the variables are analyzed according to year level. The study employed a non-experimental quantitative research design using descriptive-correlational and descriptive-comparative methods. Stratified random sampling was utilized to determine the research sample, and survey questionnaires were used to gather data. Likewise, mean, standard deviation, Pearson (r), and Analysis of Variance (ANOVA) were the statistical tools utilized to answer the research objective. Findings revealed that the levels of online payment system adoption and purchase decisions were both rated very high. Further, no significant differences were found in either variable when analyzed according to year level. Moreover, the results showed a significant relationship between online payment system adoption and purchase decisions. The study implies that online payment systems significantly influence students’ purchase decisions, emphasizing the need to enhance security, trust, and accessibility to sustain adoption.
Keywords philippines consumer behavior Davao City Purchase decisions online payment system adoption
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The team behind this paper

2 authors, 1 institution.

This paper St. John Paul II College of Davao — Philippines St. John Paul II Colleg… 1 author Jhonny Cantorne Ayag — corresponding author JA Jhonny Cantorne Ayag ✉ Jingle Marie Amago JA Jingle Marie Amago

1 of them has not recorded an affiliation.

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204 reads over 3 months.

September 2026 November 2026

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Jingle Marie Amago 0xbEA61C…8C5b7a 450,000 (45%)
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Bibliographic Information

Jhonny Cantorne Ayag, Jingle Marie Amago, (2026). Online Payment System Adoption and Purchase Decisions of College Students, Psychology and Education: A Multidisciplinary Journal, 62(10): 1207-1218
Bibtex Citation
@article{jhonny_cantorne_ayag2026pemj,
author = {Jhonny Cantorne Ayag and Jingle Marie Amago},
title = {Online Payment System Adoption and Purchase Decisions of College Students},
journal = {Psychology and Education: A Multidisciplinary Journal},
year = {2026},
volume = {62},
number = {10},
pages = {1207-1218},
doi = {10.70838/PEMJ.621004},
url = {https://scimatic.org/show_manuscript/10470}
}
APA Citation
Ayag, J.C., Amago, J.M., (2026). Online Payment System Adoption and Purchase Decisions of College Students. Psychology and Education: A Multidisciplinary Journal, 62(10), 1207-1218. https://doi.org/10.70838/PEMJ.621004

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