臺灣博碩士論文加值系統

In recent years, the bank card market in Vietnam continued to grow strongly, especially Visa card market. Understanding this trend, Vietnam’s commercial joint-stock banks have special attention to develop array of Visa card services, especially Visa card transaction authorization service.
The purpose of this study is to investigate and analyze factors that influence the Visa card present transaction authorization process in Vietnam’s commercial joint stock banks. Specifically, this study is interested in exploring what are the most important factors influencing the Visa card present transaction authorization process in Vietnam’s commercial joint stock banks. This research will assist managers to understand the importance of factors affect on Visa card present transaction authorization process in Vietnam’s commercial joint stock banks. A research framework which based on the Delone and McLean Information System Success model and The Extended ERP Systems Success Measurement Model of Ifinedo for evaluating participants in Visa card transaction authorization process to identify the factors can affect the Visa card present transaction authorization process. We use convenience sampling questionnaire to execute the samples and Regression Analysis apply to confirm the relationships of hypothesis. This study randomly surveyed 120 Top and Middle managers of some Vietnam’s commercial joint-stock banks card center. This study received a total of 120 valid questionnaires.
The results of this study are hoped to be the efficient constructive sources for the all Vietnamese banks to understand the critical factors that influence The Visa card present transaction authorization process.

Table of Contents
ABSTRACT i
ACKNOWLEDGMENTS iii
Table of Contents iv
List of Tables vi
List of Figures viii
Chapter 1 Introduction 1
1.1 Research Background 1
1.2 Research Motives 4
1.3 Research Purpose 5
1.4 Research Questions 6
1.5 The Significance of the Study 6
1.6 Research Procedure 7
Chapter 2 Literature Review 9
2.1 Overview of Bankcard Industry 9
2.1.1 What is a Bankcard 9
2.1.2 Visa Card 9
2.1.3 Visa card present transaction 10
2.2 The factors participate in Visa card transaction authorization process 11
2.2.1 Cardholder 11
2.2.2 Merchant 11
2.2.3 Acquirer 12
2.2.4 VisaNet 12
2.2.5 Issuer 14
2.3 Authorization process 14
2.4 The DeLone and McLean (1992) Information System (IS) Success Model 18
2.5 The Extended ERP Systems Success Measurement Model of Ifinedo (2006) 19
Chapter 3 Methodology 21
3.1 Research Framework 21
3.2 Hypotheses Development 22
3.2.1 The relationship between Cardholder and Visa card present transaction authorization process 23
3.2.2 The relationship between Merchant and Visa card present transaction authorization process 24
3.2.3 The relationship between Acquirer and Visa card present transaction authorization process 25
3.2.4 The relationship between VisaNet and Visa card present transaction authorization process 26
3.2.5 The relationship between Issuer and Visa card present transaction authorization process 26
3.3 Variable Measurement and Questionnaire Design 28
3.4 Sampling 31
3.5 Data Analysis 31
3.5.1 Descriptive and Demographic Analysis 31
3.5.2 Reliability Analysis 32
3.5.3 Factor Analysis 32
3.5.4 Regression Analysis 33
Chapter 4 Data analysis and Results 34
4.1 Demographic Characteristics 34
4.2 Descriptive Statistics 37
4.3 Reliability Analysis 38
4.4 Factor Analysis 43
4.5 Regression Analysis 49
4.5.1 Hypothesis 1 52
4.5.2 Hypothesis 2 53
4.5.3 Hypothesis 3 53
4.5.4 Hypothesis 4 53
4.5.5 Hypothesis 5 53
4.6 Summarize of Results 53
Chapter 5 Conclusion and Recommendations 55
5.1 Research Conclusions 55
5.2 Managerial Recommendations 57
5.3 Limitation 58
REFERENCES 59
APPENDIX: QUESTIONAIRE IN ENGLISH 64

List of Tables
Table 1. Questionnaire Design 28
Table 2. Gender 35
Table 3. Age 35
Table 4. Education level 36
Table 5. Experience 36
Table 6. Descriptive Statistics 37
Table 7. Reliability Statistics of Cardholder (CA) 38
Table 8. Item-Total Statistics of Cardholder (CA) 39
Table 9. Reliability Statistics of Merchant (ME) 39
Table 10. Item-Total Statistics of Merchant (ME) 40
Table 11. Reliability Statistics of Acquirer (AC) 40
Table 12. Item-Total Statistics of Acquirer (AC) 40
Table 13. Reliability Statistics of VisaNet (VI) 41
Table 14. Item-Total Statistics of VisaNet (VI) 41
Table 15. Reliability Statistics of Issuer (IS) 41
Table 16. Item-Total Statistics of Issuer (IS) 42
Table 17. Reliability Statistics of Overall factors impact on Visa card present transaction authorization process (OF) 42
Table 18. Item-Total Statistics of Overall factors impact on Visa card present transaction authorization process (OF) 42
Table 19. Construct reliability 43
Table 20. KMO and Bartlett’s Test 1 44
Table 21. Total Variance Explained 1 45
Table 22. Rotated component Matrix 46
Table 23. Component transformation matrix 47
Table 24. Component score coefficient matrix 48
Table 25. KMO and Bartlett’s Test 2 49
Table 26. Total Variance Explained 2 49
Table 27. Component Matrix 49
Table 28. Variables Entered/Removed 50
Table 29. Model Summary 51
Table 30. ANOVA 51
Table 31. Coefficients 52
Table 32. Summarized results of the testing hypotheses 54


List of Figures
Figure 1.Research Structure 8
Figure 2.A typical Visa card present transaction processing flow (Visa. 2003. V.I.P system (VisaNet Integrated Payment system) Overview.V.I.P System) 15
Figure 3.The process of current card transaction (Wu, H.J &; Lin, I.C, 2010) 17
Figure 4.Delone and McLean, “Information Systems Success: The Quest for the dependent variable”, Information Systems Research, 1992 19
Figure 5.The Extended ERP Systems Success Measurement Model of Ifinedo (2006) 20
Figure 6.Research Framework 22

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