Abstract—The rise of digital payment has proliferated the business industry. In fact, cashless payment in developed countries have been one of the norms to improving services, making it easier for the management to ensure timely payment collection. The main objective of the study was to design a digital payment framework for Higher Educational Institutions in the Philippines to improve the services, payment transactions and solve behavioral issues of students in settling their school fees by converting student ID into Smart ID. A pre-tested questionnaire was used for data collection and 288 participants among students, parents/sponsors was drawn using snowball purposive sampling. A combination of qualitative and quantitative method was applied to present the data and validate the findings. Results revealed that 9% among 6596 total enrolled students had remaining balance at the end of the semester. Whereas 66% scholars agreed to fail in paying their fees on time due to some priorities (WM=3.24). Consequently, 63.3% (N=100) were unable to pay their tuition fee on time because they were unable to manage their money vs. personal expenses. Also, 60.9% (N=50) were unable to get their exam permit for the 3-exam period even fees were fully settled. Moreover, 75% among parents working abroad preferred the use of smart card for payment to ensure that money is consumed to tuition fee payment as to where it is intended. Whereas, the HEI’s positive feedback in considering new payment technology relies on their partnership with banks to suffice the facilities for top-up machines, card scanner/reader and the overall software and infrastructure. Study further concludes that the implementation of smart ID may possibly contribute to educational environment giving them the assurance that school fees are paid on time and the advocate to promote a sense of responsibility for students to prioritize their financial obligations.
Index Terms—Cashless payment, digital transactions, framework, HEI, school, smart card, smart id.
D. I. Cendana is with PHINMA, University of Pangasinan, Dagupan City, Philippines (e-mail: dicendana@up.phinma.edu.ph).
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Cite:1-7, "Designing a Digital Payment Framework for HEI’s Using Smart ID," International Journal of Computer Theory and Engineering vol. 12, no. 1, pp. 1-7, 2020.
Copyright © 2020 by the authors. This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited (CC BY 4.0).
