Customer Interview Form and Interview Results


Appendix 04. Interview form and customer interview results

1. Customer interview form

INTERVIEW FORM

Hello

My name is Nguyen Thi Thanh Thao, studying at Ho Chi Minh City University of Economics. I am currently conducting research on factors affecting the acceptance of using Kien Long Bank cards.

I would like to ask for your support by answering the following questions. Any candid comments from you will contribute to the success of this research project.

Thank you very much for your cooperation.

Main part

What factors do you think influence the decision to use a bank card? Which of these factors do you think is the most important?

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I. EXPECTED RESULTS

1. Please tell us your feelings about the benefits that Kien Long bank card brings? Which benefit do you think has the strongest impact?

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2. Which bank's card do you think offers the best benefits? Do you have any suggestions for improvement to increase benefits and customer satisfaction?

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II. EXPECTED EFFORT

1. Please tell us your feelings when using Kien Long Bank card for transactions? Do you encounter any difficulties?


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2. Are you completely confident when making transactions using Kien Long bank cards instead of traditional transaction methods?

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III. SOCIAL INFLUENCE

1. Why do you choose and use Kien Long Bank's card? Is your card usage affected by the surrounding environment? Which factors do you usually listen to or are influenced by the most?

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IV. FACILITABLE CONDITIONS

1. Do you know how to use Kien Long Bank card? If yes, where did you learn it from? Did the bank give you instructions on how to use the card?

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2. Have you ever used any bank card before?

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V. FAITH

1. How long have you been using Kien Long Bank card? Do you feel secure when using Kien Long Bank card? Have you ever encountered any problems when using Kien Long Bank card?

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2. Do you trust and are satisfied with the card service that Kien Long Bank is providing?

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Additional information section

1. Are you currently using a Kien Long Bank card? If not, can you tell us why? If yes, do you intend to continue using a Kien Long Bank card in the future?

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2. Do you have any further suggestions to improve Kien Long Bank's card products?

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Thank you very much for your help!

2. Customer interview results

The interview results show that the acceptance of using the card by customers is not high, only 10 out of 25 people interviewed will continue to use it in the future; while the rest include some people who also have the need to use it but are still hesitant to use it immediately. The interview results also collected the situation of new customers accessing and using KLB cards, but encountering problems and complaints in card transactions, so they stopped using the card.

Most customers are advised and aware of the benefits of using cards such as proactive transactions everywhere, fast, safe... when using cards, and not having to wait for paperwork. Customers all believe that these are basic requirements that encourage them to switch to using this method. Another important factor that customers are also interested in is that using Kien Long bank cards is exempted from


Fees and fee incentives are the deciding factors for new customers approaching this method. However, through the interview results, there are two different opinions:

For customers who have experience using cards, they are often interested in the service utilities provided. If the incentive programs and new features are suitable for the customer's needs, they will consider switching to another card.

For new and inexperienced customers, KLB card meets their basic requirements. These customers cannot even compare card products of different banks to choose from, so their assessment of KLB card is relatively good, meets their needs and they choose to use the card based on the influence of people around them.

Customers all said that they use the card mainly to withdraw cash instead of going to the counter, they know about other features but do not have the need to use them, and they do not understand how to perform these transactions. Although they are aware of the benefits, their fear makes them not confident when transacting with the machine themselves. For customers who use the KLB card for the first time and do not have knowledge about this payment method, they all said that even though they have been carefully advised, they still cannot perform the transactions by themselves. Customers are afraid that when they encounter problems during the transaction or do not know how to continue the transaction, it will lead to losing the card or losing money in the card. Thus, the time and procedures to prove to get the money back are much more complicated and troublesome than the current method. This is also part of the reason why customers tend to choose to use bank cards introduced by relatives, from which they are enthusiastically introduced to the features they should use, and are directly guided and supported in transactions at the machine.

More specifically, more than half of the interviewed customers said that the bank only provided advice and instructions on changing the PIN when receiving the card, other transactions were given general instructions, without specific steps and illustrations. Some customers said that they were dissatisfied with having to re-enter the PIN for each transaction. As


Therefore, lack of understanding from customers and specific instructions from the bank are important factors preventing customers from using Kien Long Bank cards.

Trust is also an important factor because most customers are introduced, issued cards and use cards from the bank with which they have a transaction relationship. Using other services of the bank makes it easier for customers to accept using another means provided by the bank. However, trust is easily affected when customers encounter problems in transactions, interview results show that there are cases where customers stop using cards as soon as they access this service and encounter complaints.

Appendix 05. Preliminary survey form


Hello


SURVEY FORM

Number of votes: ……

Date … month … year 2014

My name is Nguyen Thi Thanh Thao, studying at Ho Chi Minh City University of Economics. I am currently conducting research on factors affecting the acceptance of using Kien Long Bank cards.

I would like to ask for your support by answering the following questions. Your objective answers will contribute to the success of the research project. All information of the respondents will be kept confidential for research purposes and presented in the form of summary results.

Thank you very much for your cooperation.


Part 1 : Information of the survey subject:

Please answer the questions below by marking in the appropriate box.

A1. Personal information:

1. Full name: ................................................................................

2. Gender


Male

Female

3. Age:

1: From 18 to 30 years old

2: From 32 to 40 years old

3: From 41 to 50 years old

4: Over 50 years old

4. Your educational background:

1. Intermediate level or below

2. College

3. University

4. Postgraduate

5. Your monthly income:

1. < 4 million

2. 4 million < monthly income < 10 million

3. Over 10 million

A2. Level of understanding and use of KLB card

6. Why do you know about KLB card?

1. TV, newspapers, Internet

2. You find out for yourself

3. Your relatives, friends, colleagues recommend

4. KLB staff introduction

5. Other: ..............................................................

7. How long have you been using the KLB card?

1. Never used (If not, please skip to part 2)

2. Usage time ≤ 6 months

3. 6 months < usage time ≤ 1 year


4. Usage time > 1 year

8. Do you regularly use KLB card?

1. Daily

2. Once a week

3. Several times a month

4. Once a month

5. Other:................................................................

Part 2. Factors affecting the intention to use KLB card:

Please mark Check the appropriate box for your level of agreement with the following statements:

1

2

3

4

5

Strongly disagree

Disagree

Normal

Agree

Totally agree

Maybe you are interested!

Customer Interview Form and Interview Results



ELEMENT

1

2

3

4

5

PE - Perceived effectiveness

PE1

I think using KLB card helps me make transactions

fast translation






PE2

I think using KLB card helps me be proactive about

transaction time






PE3

I think using KLB card helps me be proactive about

Trading location






PE4

I think using KLB card helps me control my spending.

effective






PE5

I think the KLB card is more useful than the form.

counter transaction






EE - Expected Effort


EE1

I think learning how to use the KLB card is easy.

To me






EE2

I think it is easy to make KLB card transactions.

easy for me






EE3

I think the interface when dealing with cards is interactive.

KLB is clear and easy to understand






EE4

I have the necessary skills to be able to use the card.

KLB






SI - Social Influence

SI1

My family recommends using KLB card.






SI2

My friends, colleagues, company… encourage use.

use KLB card






SI3

I use KLB card because people around me use it

use it






FC - Convenient conditions

FC1

I have the necessary knowledge to be able to use the card.

KLB






FC2

I was provided with full instructions in

KLB card usage process






FC3

Use KLB card to suit your life needs

I






FC4

Bank staff are always ready to support me

during the use of KLB card






TR - Trust

TR1

I think the Bank has the capacity to provide

card services for customers to use.






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