Awareness of The Personal Data Protection Act B.E. 2562 and The Predictive Factors Providing Personal Information in Electronic Payment

Abstract

        The objectives of this research are as follows: 1) To study the behavior in terms of granting access to personal information for the intention of using electronic payments (e - Payment) on online channels, 2) To study the awareness factors about the Personal Data Protection Act (PDPA), perceptions on risk, security, and trust, recognition of simplicity and perceived benefits that affect the intention to use electronic payments (e - Payment) through online channels. The tool used in this research is a questionnaire. The sample group consisted of 400 consumers who have used electronic payment methods (e-Payment) and live in Bangkok only. The sample group is divided into credit/debit card users (66 persons) and internet / mobile banking users (334 persons). Multiple Regression Analysis was used for data analysis in this research.

        Results of the study found that the overall opinion of credit/debit card users was at the very high agreement level. The most important factor was the perceived benefit of using technology, followed by the ease of use and security factors which were at the highest agreeable level. Trust, awareness of PDPA and risk awareness were found to be at level of very agreeable.

        Overall result of the study for the level of agreement in choosing internet / mobile banking services was found to be at the very high agreement level. The first most important factor was the perceived benefit of using technology, which was at the highest level of agreement, followed by the factors on perceived ease of use, security, and trust. The factors on awareness of PDPA and the risk were at the level of very agreeable.

        In conclusion, the results of the e-Payment hypothesis test showed that from the analysis of credit / debit card usage found that there is a positive correlation between the trust factor and the frequency of use of credit / debit cards. Meanwhile, the factors on awareness of PDPA and security had a negative correlation in the opposite direction with the frequency of use of credit/debit cards at a 95% confidence level.

        In terms of the analysis of the use internet / mobile banking the results was found that the factor on perceived ease of use had a positive correlation in the same direction as the frequency of use of the service. At the same time, the factors on awareness about the PDPA had a negative correlation in the opposite direction with the frequency of use of the  internet / mobile banking service at 95% confidence level.