Development of a Personal Savings Management System with an Application of People of Working Age Group in Bangkok

Abstract

This article aimed to study (1) demographic characteristics and behaviors associated with using a personal savings management system with an application; (2) the development of a personal savings management system with an application; (3) correlations between demographic characteristics of users and their behaviors on an application; and (4) the different user behaviors with satisfaction towards an application of the People of Working Age group in Bangkok. The sample consisted of 400 financial service users in Bangkok. The instrument of this research was a questionnaire. The statistics used for the analysis were frequency, percentage, mean, standard deviation, and chi-square test.

The research results were found as follows: (1) the web application consisted of 1) registration, 2) homepage, 3) income and expense according, 4) report of income and expense, 5) learning resources, and 6) consulting; (2) the majority of users were female, aged between 15 and 25 years; their education level was a bachelor’s degree; they were private company employees; their monthly incomes were between 15,000 and 20,000 Baht; and their marital status was single. For behaviors, most of them used the application three times per week, for 62.7 percent; (3) this developed application has been downloaded and used no less than 500 times, and the satisfaction response from users who participated in testing the application was at a level of not less than 3 stars as set as the goal; and (4) satisfaction towards using the application showed that the majority of respondents were satisfied with the application at a high level. For each aspect, they were most satisfied with the product, followed by distribution, price, and promotion, respectively.