ONLINE PAYMENT SYSTEM: A PAYMENT OPTION FOR PHILIPPINE

COLLEGE OF SCIENCE AND TECHNOLOGY

This thesis

Presented to

The Faculty of the College of Computer Studies

Philippine College of Science and Technology

Old Nalsian Road, Nalsian, Calasiao, Pangasinan

In Partial Fulfillment

of the Requirements for the Degree

BACHELOR OF SCIENCE IN COMPUTER SCIENCE

By:

MANANGAN, CHRISTIAN

DE GUZMAN, JOSHUA C.

BAUTISTA, KEITH E.

CENDAÑA, SYDNEY

MUÑOZ, ERIKA M.

May 2022
 ii

INDORSEMENT

This thesis entitled “Online Payment System: A Payment Option for

Philippine College of Science and Technology”, was prepared and submitted by

Christian Manangan, Joshua C. De Guzman, Keith E. Bautista, Sydney

Cendaña, Erika M. Muñoz in partial fulfillment of the requirements for the degree

Bachelor of Science in Computer Science, has been examined and is recommended

for acceptance and approval for Oral Examination.

This is to further certify that the Thesis entitled Online Payment System: A

Payment Option for Philippine College of Science and Technology is ready for

Oral Examination.

MR. RIZAL S. DE LEON, MIT

Adviser
_____________________________________________________________________

This is to certify further that the capstone project entitled “ONLINE

PAYMENT SYSTEM: A PAYMENT OPTION FOR PHILCST”, prepared and

submitted by Christian Manangan, Joshua C. De Guzman, Keith E. Bautista,

Sydney Cendaña, Erika M. Muñoz, is recommended for Oral Examination.

MR. RIZAL S. DE LEON, MIT

Adviser

DR. CRISTINA L. TAGURA

Chairman

MS. RACHELLE N. CAMACHO, MIT ENGR. CHARO G. ALMONTE, MIT

Member Member
 iii

APPROVAL

Approved by the committee on Oral Examination with a Rating of ____%

MR. RIZAL S. DE LEON, MIT

Adviser

DR. CRISTINA L. TAGURA

Chairman

MS. RACHELLE N. CAMACHO, MIT ENGR. CHARO G. ALMONTE, MIT

Member Member

Acceptance and approved in partial fulfillment of the requirements for the

degree of Bachelor of Science in Computer Science.

MS. RACHELLE N. CAMACHO, MIT

Dean, College of Computer Studies

ENGR. RAUL B. GIRONELLA, SR., D.Min.

Vice President for Academic Affairs
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ACKNOWLEDGEMENT

The researchers would like to take this opportunity to express our deepest

appreciation and gratitude to the following people who guided and helped us with the

success of the study.

Dr. Cristina L. Tagura, Research Director, for her encouragement and

patience in giving suggestions and recommendations for the improvement of the

research study;

Ms. Rachelle N. Camacho, Dean of College of Computer Studies, for guiding

and supporting us all the time to finish this research output despite her heavy

workload; their constructive ideas and suggestions contributed immeasurably to the

accomplishment of this study;

Mr. Rizal S. De Leon, To our Adviser, for encouraging our research and for

allowing us to grow as researchers. His advice on both research as well as for our

career have been invaluable.

Engr. Charo G. Almonte, our Thesis Instructor, for the continuous support of

our research, for her patience, motivation, enthusiasm, and immense knowledge. Her

guidance for helping us of our research and writing of this Thesis;

To the Panel Members, for their valuable comments, suggestions, and

recommendations which help the researcher to enhance the quality of their research;

The PhilCST Administration, for allowing us to conduct the study and for

supporting us in the completion of the study;

The Respondents, for giving their valuable time to participate in answering

the questions which play a very important role in the success of this study;
 v

To our beloved Family, for their unending love, for providing all our needs

financially and morally, for supporting and being there for us no matter what, and for

their immeasurable advice.

The Group, for their cooperation and unity that made this study successful,

without their inputs and suggestions, this will not be made possible;

ALMIGHTY GOD, the fountain of knowledge, brilliant ideas, healthy body,

and spirit all came from him, our deepest gratitude.

The Researchers,

Christian,

Joshua,

Keith,

Sydney,

Erika,
 vi

DEDICATION

This thesis work is sincere to our respective parents, adviser, and instructor

who have been our constant source of inspiration. They have given us the drive and

discipline to tackle any task with enthusiasm and determination. Without their

guidance and support, this project would not have been possible.

To our Almighty God, for giving the researchers spiritual and physical

strength during the conducting of the study.

The Researchers,

Christian,

Joshua,

Keith,

Sydney,

Erika,
 vii

THESIS ABSTRACT

Title: ONLINE PAYMENT SYSTEM: A PAYMENT OPTION FOR

PHILIPPINE COLLEGE OF SCIENCE AND TECHNOLOGY

Authors: CHRISTIAN MANANGAN, JOSHUA C. DE GUZMAN, KEITH

E. BAUTISTA, SYDNEY CENDAÑA, ERIKA M. MUÑOZ

Adviser: MR. RIZAL S. DE LEON

Institution: Philippine College of Science and Technology

Location: Old Nalsian Road, Calasiao, Pangasinan

Abstract: The study aimed to develop an Online Payment System for the Philippine

College of Science and Technology. The researchers used a descriptive

developmental method to gather the data using the survey questionnaire made in

google form to acquire the information needed for the documentation of the study.

The aim of this study is to create and develop a payment system for Philippine

College of Science and Technology. The respondents were the PhilCST students and

Accounting Department staff. The payment system is an added payment method to

the manual payment system. The system has a login system using a registered account

by the user. After logging in, the user can see the dashboard that displays the table for

the transactions made. The researchers would like to recommend the proposed system

“Online Payment System: A payment option for Philippine College of Science and

Technology” should be implemented by PhilCST to avoid the problems encountered.

The administrator and accounting department staff will be assigned on the system.

The assigned personnel is the only who can gain access to the information from the

students to able to protect their information. The results appeared that the cash as the

most used payment method, second is electronic bank transfers, and debit cards got

the lowest frequency of 1.

Keywords: Online Payment System, Accounting Department, PhilCST

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TABLE OF CONTENTS

Page

TITLE PAGE……………………………………………………………………... i

INDORSEMENT…………………………………………………………………. ii

APPROVAL………………………………………………………………………. iii

ACKNOWLEDGEMENT………………………………………………………...iv

DEDICATION……………………………………………………………………. v

THESIS ABSTRACT…………………………………………………………….. vi

KEYWORDS………………………………………………………………………vii

TABLE OF CONTENT…………………………………………………………...viii

LIST OF TABLES………………………………………………………………... ix

LIST OF FIGURES………………………………………………………………. x

CHAPTER I. INTRODUCTION
Background of the Study…………………………………………………....1
Theoretical Framework……………………………………………………..6
Statement of the Problem…………………………………………………...7
Assumption of the Study……………………………………………………8
Scope and Delimitation……………………………………………………..8
Paradigm of the Study……………………………………………………....9
Importance of the Study…………………………………………………….11
Definition of Terms…………………………………………………………
11

CHAPTER II. REVIEW OF RELATED LITERATURE

Foreign Literature…………………………………………………………...14
Foreign Studies…………………………………………………………….. 17
Local Literature…………………………………...………………………...18
Local Studies………………………………………………………………..20

CHAPTER III. METHOD AND PROCEDURES

Research Design…………………………………………………………….23
Population and Local of the Study………………………………………….24
Instrumentation/Source of Data……………………………………………. 24
Data Analysis/ Treatment of Data…………………………………………..26
Ethical Considerations……………………………………………………... 26
CHAPTER IV. RESULTS AND DISCUSSIONS
Present Payment Method Being Utilized…………………………………... 28
Problems Encountered Using the Present System…………………………. 29
 ix

Features to be Included…………………………………………………….. 31
Use Case…………………………………………………………………….
33
Methodology……………………………………………………………….. 34
Requirements Phase………………………………………………………... 34
Design……………………………………………………………………… 36
Development……………………………………………………………….. 37
Quality Assurance and Testing…………………………………………….. 38
Deployment…………………………………………………………………38

CHAPTER V. SUMMARY, FINDINGS, CONCLUSIONS, AND

RECOMMENDATIONS

Summary…………………………………………………………………… 40
Findings……………………………………………………………………. 41
Conclusions…………………………………………………………………41
Recommendations…………………………………………………………..41

BIBLIOGRAPHY………………………………………………………………… 43

APPENDICES…………………………………………………………………….. 45

Appendix A-Letter to the Executive Vice President……………………….46

Appendix B-Letter to the Vice President for Academic Affairs…………...47
Appendix C-Letter to the Research Director and Graduate Studies………. 48
Appendix D- Letter to the Dean……………………………………………49
Appendix E- Letter to the Respondents……………………………………50
Appendix F-Survey Questionnaire………………………………………... 51
Appendix G-Screenshots of the System…………………………………... 52
Appendix H- Certificate of Compliance…………………………………... 53
Appendix I- Documentation………………………………………………. 54

CURRICULUM VITAE…………………………………………………………..62

.
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LIST OF TABLES

TABLE PAGE

1 The Present Payment Method being Utilized in Philippine

College of Science and Technology……………………………….. 29

2 The Problems Encountered with the Present System……………... 31

3 Features of the Proposed System………………………………….. 32

4 Minimum Software and Hardware Requirements………………… 36

5 Login Page………………………………………………………… 52

6 Registration Page………………………………………………….. 53

7 Dashboard………………………………………………………….. 54

8 Admin Page………………………………………………………...54

9 Create Payment Page……………………………………………… 55

10 PayMongo Test Payment Page……………………………………. 56

11 E-mailed Receipt…………………………………………………...56

12 Transaction Records………………………………………………..57

13 PayMongo Dashboard……………………………………………...58
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LIST OF FIGURES

FIGURE PAGE

1 Paradigm of the Study………………………………………………10

2 Credit-Debit E-payment System…………………………………… 15

3 Online Electronic Cash Payment System………………………….. 16

4 Use Case Diagram…………………………………………………..33

5 Agile Methodology………………………………………………… 39

6 Login Page…………………………………………………………. 52

7 Registration Page…………………………………………………... 53

8 Dashboard………………………………………………………….. 54

9 Admin Page…………………………………………………………54

10 Create Payment Page………………………………………………. 55

11 PayMongo Test Payment Page…………………………………….. 55

12 E-mailed Receipt……………………………………………………56

13 Transaction Records………………………………………………...57

14 PayMongo Dashboard……………………………………………... 58
xii
 1

CHAPTER I

INTRODUCTION

Background of the Study

During the coronavirus pandemic, digital payments have been keeping

economies running and helping people reduce contact with viruses. Contactless digital

payments at the point of sales, such as facial recognition, Quick Response (QR)

codes,

or near-field communications (NFC), can make it less likely for the virus to spread to

others through cash exchanges. Digital payments are limiting in-person transactions

and also ensuring that consumers can buy essentials from the comfort of their homes.

Ramped up e-commerce initiatives are also helping small businesses keep revenue

flowing during an uncertain time. (Yan Xiao, 06 May 2020)

The online payment system is a comprehensive term, portraying various

scopes of delivery through electronic multichannel. It is used for various purposes and

offers an amplified imprecision of characterizing online payment in literature. Online

payment can be seen from its capacities as e-banking, e-cash, internet banking, online

banking, e-finance, and so on. All things considered, recent researchers have

demonstrated a few endeavors to come up with a definition of online payment.

According to Sandra Wróbel-Konior, an e-payment system is a way of making

transactions or paying for goods and services through an electronic medium, without

the use of checks or cash. It’s also called an electronic payment system or online

payment system.

The electronic payment system has grown increasingly over the last decades

due to the growing spread of internet-based banking and shopping. As the world

advances more with technology development, we can see the rise of electronic
 2

payment systems and payment processing devices. As this increase, improve, and

provide ever more secure online payment transactions the percentage of check and

cash transactions will decrease.

According to Google, an e-commerce payment system (or an electronic

payment system) facilitates the acceptance of electronic payment for online

transactions. Also known as a sub component of electronic data interchange (EDI), e-

commerce payment systems have become increasingly popular due to the widespread

use of internet-based shopping and banking.

Peter and Babatunde (2012) see an online payment system as any type of

money exchange through the internet. On a similar note, as indicated by Adeoti and

Osotimehin (2012), a system of online payment alludes to an electronic method for

making payments for merchandise obtained on the web or in markets and shopping

centers. Another definition suggests that online payment systems are payments made

in electronic exchange conditions as the exchange of money via electronic means.

Antwi et al. (2015) characterized the online payment as an exchange of a fiscal claim

by the payer on a party worthy to be useful.

Thus, an online payment system is an arrangement of monetary exchange

among purchasers and vendors on online conditions that is helped by a digital

financial instrument, (for example, electronic checks, encoded credit card numbers, or

cash in digital form) supported by a bank, a mediator, or by a lawful associate.

Schools around the world migrated from in-person to online or hybrid models

during the pandemic. The digital shift created challenges for educational institutions

because they were not technologically equipped to handle the shift at such a rapid

pace. However, education leaders quickly adapted and found safe and convenient

ways to address the disruption.

 3

In India’s journey towards E-payments, and digitization, merchants, as well as

customers, are getting comfortable adopting new digital technologies. With customers

are getting comfortable with online shopping, nowadays, an eCommerce site and

online payment acceptance is a must to have for any business. Customers are happy

with browsing and shopping at any time from anywhere with just a few clicks and

along with this rise of online shopping and eCommerce, E-payments are gaining

widespread popularity. COVID and the limitation it has imposed on people who made

online payments the need of time. (Lyra)

In Australia, there are over 9,400 schools with approximately 400,000 staff

providing education services for 3.8 million full-time and part-time students. These

schools receive ~$45 billion in direct government funding and a further estimated

~$2.6 billion from parents (in addition to the ~$9.2 billion in private contributions,

such as fees and charges for non-government schools). With the complexity of the

transaction ecosystem of a typical school today, many school administrators are now

looking to focus on digitizing the back office of schools as has previously been

applied to the classroom experience. Payments related processes present an important

opportunity, given the importance of deploying funds efficiently, securely and

appropriately.

Public and private schools across the U.S. are using SchoolCash Online to

enable parents to use their phones and computers to view and pay students’ bills. The

payment platform accepts eChecks and a number of different credit cards, and all

processed payments go directly into the schools’ bank accounts. This reduces friction

in the process as teachers will no longer have to collect funds from their students.

Parents can also use the platform to keep track of upcoming school-related events and

activities.
 4

Mobile wallets had their day during the pandemic as adoption of touchless

payments spurred by health concerns accelerated. Digital or mobile wallets were the

most popular point-of-sale (POS) payment in 2020, accounting for more than one

quarter of the global market. Research suggests that mobile wallets will contribute to

one-third of the market by 2024. While cashless payments are not a new concept, cash

payments continue to lose momentum as mobile wallet technology adoption grows.

Debit and credit cards, however, are expected to remain consistent.

In anecdotal market observations on non-consumer Business to Business(B2B)

payments (including government and educational institutions), shifting from manual

to electronic payment processes delivers benefits, including but not limited to:

Reduction in cost of payments, Better controls, spend visibility and reporting, Faster

processing times, approvals and payments execution or receipt, More efficient use of

staff time and working capital. These benefits are increasingly being captured by

schools in their accounts payable functions. However, digital innovations are now

emerging that will allow schools to move away from manual processes when they

take accounts receivable, in particular for smaller, day-to-day expenses associated

with individual students.

As schools embrace alternative learning methods this year, PayMaya is

empowering over 40 schools nationwide with cashless payment solutions online and

in-school, providing students a safer and more convenient way to pay for enrollment

fees and other educational expenses. Major learning institutions such as the Ateneo

De Davao University (ADDU), Don Bosco Technical Institute of Makati Inc. (DBTI

MAKATI), Nord Anglia International School Manila (NAIS Manila), Malayan

Colleges Mindanao (MCM), University of Immaculate Conception (UIC), La Salle

Green Hills, among others are beginning to adopt PayMaya’s end-to-end digital
 5

payment solutions such as the PayMaya’s Online payment gateway for their online

channels and the One by PayMaya Point of Sale (POS) device for school cashiers.

As schools transition to the ‘New Normal’ in education, ADDU, DBTI-

MAKATI, NAIS Manila, MCM, UIC, La Salle Green Hills, are among the schools

enabling their online student portals with PayMaya’s online payment gateway, which

allows them to easily process tuition and other payments using debit and credit cards

and e-Wallets such as GCash and PayMaya.

These institutions are also equipping their school’s cashiers with the One by

PayMaya POS device to allow safer and more seamless payments by using the scan-

to-pay via PayMaya QR feature or by tapping or dipping using their credit, debit, and

prepaid cards. These efforts are in response to the Department of Education’s

directive to implement blended learning that utilizes both online and in-person

modalities for education, where students are encouraged to utilize online classes,

printed modules, and educational TV and radio broadcast as main learning channels

this school year. PayMaya’s cashless payment solutions play a critical role in the

schools’ shift to blended learning while at the same time helping keep school

personnel safe by eliminating risks of cash handling in light of the current public

health situation.

What’s more, at least 70% of Filipino respondents said they intend to stick

with cashless payments instead of cold, hard money when the COVID-19 crisis is

over, a Visa study showed. “In this new normal, we’re seeing a shift – Filipinos are

becoming more digital, and the COVID-19 situation has forced consumers to adopt

this change in behavior,” said Dan Wolbert, Visa country manager for the Philippines

& Guam. “Cashless is now emerging as the preferred mode of payment for consumers

under the ‘new normal,” said PayMaya president Shailesh Baidwan.

 6

Digital payments were not created because of the pandemic, but global

concern over health issues and subsequent closures of businesses made their adoption

necessary. As life returns to normal, the digitization of the payments space during the

pandemic has staying power. The demand for alternative payment options was not

lost on educational institutes’ financial departments, and school leaders sought out

safe and secure ways for parents and students to pay for the education expenses.

The reason why the researchers conducted this study, because they want to

create a new payment option for paying school bills. Whereas, it can saves more time

for busy people, easier to manage, more efficient and it is more secured and reliable.

Most of all, while everyone are in the middle of this pandemic it will help students

and especially accounting personnel avoid getting infected with the corona virus.

Theoretical Framework

This study was anchored in Modularity Theory. Modularity Theory has been

used as the main technique to examine mobile payment in developing countries. Since

the late 1990s, as a result of Modularity has emerged as a result of the development of

modern technology (Baldwin and Clark, 2000). Its significant addition to the literature

on technological transition and economic development institutions.

Modularity Theory also known as the “Theory of Interdependence and

Modularity” is a framework for understanding how various components of a product's

architecture communicate with one another and, as a result, affect production and

adoption statistics. It is said to be modular when there are no unpredictable elements

in the design of a product's parts. Modularity standardizes how components fit

together physically, mechanically, chemically, and so on. The components fit and

function in well-defined, clearly written ways. The product is interdependent when

the way one part is made and delivered is dependent on the way other parts are made
 7

and delivered. Because of their interdependence, if either component is to be

developed, it must be developed by the same organization.

Modularity is concerned with handling complexity in technology,

manufacturing, and design. Administration (e.g. Baldwin and Clark, 2000; Langlois,

2002; Sanchez and Mahoney, 1996). Modularity may be used to handle mobile

payment systems from several vendors. A different perspective Despite the fact that

mobile payment has received a great deal of attention and criticism from academics

and practitioners (e.g. Au and Kauffman, 2008; Chatain et al., 2008; Dahlberg et al.,

2008; Dahlberg et al., 2015; Duncombe and Boateng, 2009; Jenkins, 2008; Ondrus

and Pigneur, 2006; Pousttchi et al., 2009), , most studies still focus on the consumer

side and how they adopt a particular payment system. Additionally, most corporate

organizations and market-oriented studies on Mobile payments lack discipline and

technique, which adds to the uncertainty. within the literature. This study attempts to

fill a gap in the literature, tests and evaluates the idea in many contexts and

circumstances in order to add management and organizational studies literature.

The study of online payment systems is being used in this thesis to apply

modularity theory to services. As case studies, they compare three mobile payment

projects which are Gcash, Coins.ph, and Paymaya. The studies in the field of

production and manufacturing fields of science have influenced the study of

modularity, and the current work adjusts and extends the theory. It also shows how

modularity theory can be used to manage the difficulty, increase flexibility, and

achieve efficiency in the service context.

Statement of the Problem

This study aims to developed an online payment application for the Philippine

College of Science and Technology students as a payment option. Specifically, it aims

 8

to answer the following problems:

1. What is the present payment method being utilized in Philippine College of

Science and Technology?

2. What are the problems encountered by the Philippine College of Science and

Technology students and accounting personnel in using the present system?

3. What features can be included in the design of the proposed system?

4. What can be proposed to minimize the problems encountered?

Assumptions

To foretell the results of the study, the researchers have assumed the following:

1. There is a present payment method being utilized in Philippine College of

Science and Technology.

2. There are problems encountered by the Philippine College of Science and

Technology students and accounting personnel in using the present system.

3. Additional features maybe included in the design of a system to minimize the

problems encountered with the present system.

4. There is a better method to be utilized to solve the problems being

encountered with the present system.

Scope and Delimitation

The scope of the study focused on designing the Online Payment System: A

Payment option for Philippine College of Science and Technology that allows secure

online fee payment. The main purpose of this system is to improve the present

payment method for PhilCST from cash in transactions turning it into a cashless

transaction system using an e-wallet (Gcash/Paymaya). This research is considered as

the opportunity of implementing a cashless payment system to resolve certain issues

and improve their services. This system provides a web-based form to fill out the
 9

information of the user; this form requires the user’s full name, email address, contact

number, and other information.

Online Payment System is s software designed especially for fee collection

online in PhilCST that helps to manage the fee infrastructure of the educational

institutes. All students of Philippine College and Technology can log in to the

website and input their student information to pay their tuition and other fees thru the

internet using their gadgets like laptops, smartphones, tablets, and computers.

Accounting personnel can validate and confirm the transactions.

The proposed system was limited for Philippine College of Science and

Technology students use only. Answering the survey questionnaire through the use of

google form and was answered from second week of March up to third week of April

where the researchers gathered one-hundred thirty-seven (137) total number of

respondents.

Paradigm of the Study

Figure 1 covers the paradigm of the study. The first block is the INPUT,

consist of the present payment method being utilized in Philippine College of Science

and Technology, problems encountered by the Philippine College of Science and

Technology students and accounting personnel in using the present system, proposed

system to minimize the problems encountered, features that can be included in the

design of the proposed system. The second block is the PROCESS which includes

the following; quantitative research design, collect the data needed for the study,

analyze the gathered data, the use the descriptive developmental method, and the use

of modified waterfall methodology. The last block is the OUTPUT of the research

which is the Online Payment System: A Payment Option for Philippine College of

Science and Technology.

 10

Figure 1
Paradigm of the Study
 11

Importance of the study

The development of the proposed study is deemed significant to the following

individuals:

Philippine College of Science and Technology (PhilCST). This research

study will improve the current payment system of the institution.

Accounting Department. This study will reduce the queues at the accounting

office during examination week and it will reduce the number of students to go to

school to pay their tuition fees.

Students. This research study will help students because it will be easier for

them to pay their tuition fees without going to the institution, they just have to go to

the website and pay their tuition fee by just using their smartphone, laptop, or

computers. And the student can be assured for their security because they will not be

bringing a big amount of money. It will help to lessen the time that they can consume

and it can save money too.

Parents or guardian. This research study will help parents or guardian’s track

the payments of their students to know and assure if their student has a balance or is

not yet paid.

Future researchers. The study will serve as their baseline in conducting their

own pursuit of the study.

The Researchers. This will give them an avenue to demonstrate the

knowledge and skills they have learned from their previous courses.

Definition of Terms

The following terms are defined conceptually and operationally for better

understanding of the study.

 12

Application. It is a software program that runs on your computer. Web

browsers, e-mail programs, word processors, games, and utilities are all applications.

The word "application" is used because each program has a specific application for

the user. (TechTerms.com) Operationally, the Application is a system software for

access to basic hardware resources, such as memory, storage and other utilities.

Features. It is an attribute or a part of a website that makes it special or able to

work better. They are often added to amaze rather than perform a useful function.

Operationally, Features are the “tools” you use within a system to complete a set of

tasks or actions (Vincent Paget).

Online. Refers to when an electronic device is on and connected to other

devices, such as another computer, a network or a device such as a printer.

Operationally, online is operating under the direct control of, or connected to, a main

computer.

Online Payment System. It is an electronic exchange of currency that is

initiated over the internet for goods or services. It includes all financial operations

using electronic devices, such as computers, smartphones, or tablets. Operationally,

E-payment system or Online Payment System is the means of making payment and/or

transaction for goods and services on an e-commerce website or electronic

environment without any need to use cash or check. (Rana Atabay Kuscu, Yasemin

Cicekcisoy and Umit Bozoklu).

Payment. It is the voluntary tender of money or its equivalent or of things of

value by one party such as a person or company to another in exchange for goods, or

services provided by them, or to fulfill a legal obligation. Operationally, payment is

the transfer of money, goods, or services in exchange for goods and services in

acceptable proportions that have been previously agreed upon by all parties involved.
 13

Payment Option. The number of ways in which merchants can collect

payments from their customers, for example, credit cards, digital wallets, direct debit,

offline payment, etc. Operationally, A payment method is a way that customers pay

for a product or service. In a brick-and-mortar store, accepted payment methods may

include cash, a gift card, credit cards, prepaid cards, debit cards, or mobile payments.

For an ecommerce business, online payment methods may include credit or debit card

options, prepaid cards, gift cards, a direct transfer from a bank account, payment

processors, and more. (Ecommerce glossary)

System. A system is a group of interacting or interrelated elements that act

according to a set of rules to form a unified whole. A system, surrounded and

influenced by its environment, is described by its boundaries, structure and purpose

and expressed in its functioning. (Wikipedia) Operationally, A system is a collection

of elements or components that are organized for a common purpose and a collection

of hardware components that work well together with software components or

programs that runs in the computer.

User. It is a person who utilizes a computer or network service. A user often

has a user account and is identified to the system by a username. (Brian L., 2015)

Operationally, users are those individuals who by password allocation are authorized

to log on to the software and execute software transactions. A user is a person that

uses something such as a place, facility, product, or machine.

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CHAPTER II

REVIEW OF RELATED LITERATURE AND STUDIES

This chapter includes the review of related literature and studies which the researchers

have perused to shed light on the topic under study.

Foreign Literature

Okediran, O.O (2014) in his article “A Biometric Identification Based Scheme

for Secured E-Payment” discussed that credit cardholders are given a debit card in

this e-payment system. a revolving credit line that allows the holder to make

payments on it at any time purchases and/or cash advances are permitted up to a

predetermined limit. The online credit card payment system broadens the possibilities

use of an existing credit card as a payment method for online shopping tools, as

depicted in Figure 1 below. It is the most widely used methods of payment,

particularly in retail markets In this case, the Secure Socket Layer (SSL) protocol

protects the transfer whose primary responsibility. It is to ensure the encryption and

integrity of a message transmission. Merchants can use it in the credit card payment

system. There are two options: with or without an intermediary. The current version

of message encryption and integrity is ensured without the use of an intermediary.

However, it exposes both parties to additional risks. As a client directly communicates

their card number and expiry date. The card number can be obtained from an

insufficiently secured merchant. Merchants' protected server or illegally reused

moreover, the merchant's survival is not guaranteed. The shopkeeper, in turn, there is

no guarantee that the buyer exists and that they will not cancel the purchase later. It

states that security of the user is the number one priority of an online payment system.

This prevents attackers, ad networks, Internet service providers, and in some cases

governments from intercepting and reading sensitive data.

 15

Figure 2
Credit-Debit E-payment System

Initially, there were three types of electronic money. Payment systems include

virtual currency, electronic wallets, and mobile wallets. A virtual wallet however, the

methods based on virtual money (Digital currencies) were abandoned after a brief trial

period. Only two of them are still in use today. The electronic wallet is based on smart

card technology and is used to store information data pertaining to the customer's

funds Money is loaded into the e-wallet through a transfer from the cardholder's

account In this way. At the time of the transaction, the bank is not involved. Purchase

smart cards are mostly used to target the market of micro-payments. They can

currently be used at points of sale vending machines, parking meters and ticket

machines, and public transportation payphones, interactive television set-top boxes,

and so on. Online transactions, for example this system's integration into internet

payments necessitates installation on the customer's end. Readers for smart cards

Smart Cards are plastic cards the size of a credit card. Cards with an embedded

microprocessor and memory ability to remember Smart cards are used in e-payment.

Electronic payment allow customers to make cashless payments for goods and

services through cards, mobile phones or the internet. It presents a number of

 16

advantages, including cost and time savings, increased sales and reduced transaction

costs.

As much larger data storage devices than credit cards cards with built-in

transaction processing, or improve e-payment security. Smart card can hold hundred

times more data, including multiple credit card numbers and information regarding

health insurance, transportation, personal identification, bank accounts and loyalty

programs, such as frequent flyer accounts. However, these days smart card technology

is being used for debit cards too e.g. ATM cards. The virtual wallet is used for micro-

payments via Internet. Nowadays, electronic cash has been broadened to include

dedicated account scratch cards.

Figure 3
Online Electronic Cash Payment System

Parahyangan Catholic University (2011) conducted a study about “The

Development of Electronic Payment System for Universities in Indonesia: On

Resolving Key Success Factors”. Electronic payment is a payment service that makes

use of ICT, such as cryptography and telecommunications networks. Cash-like

systems (e-cash), check-like systems (credit card and credit-debit-based systems), and

hybrid systems (stored value card-based systems) are the three types of EPS. states

that in order to implement EPS successfully. User awareness must be raised, and users
 17

must be encouraged to use the system while also being assured that it is secure and

comprehensive. It is also necessary to provide infrastructure to support high-quality

telecommunications facilities. The following are the results of a survey to determine

customers' attitudes toward a new payment service: usage (score: 0.990), ease-of-use

(0.922), usefulness (0.898), and behavioral intention to use (0.889).

This kind of literature is closely related to this research study for it directly

mentions the online payments that aim to establish easy, convenient, and fast

payments that can track payment and balance on different devices that can use

internet connection.

Foreign Studies

Consumers have a variety of ways to pay online, according to Oussama

Tounekti (2019) in his study "Users Supporting Multiple (Mobile) Electronic

Payment Systems in Online Purchases: An Empirical Study of Their Payment

Transaction Preferences." They can use credit cards, debit transactions, or (mobile)

payment methods like PayPal, Bitcoin, Samsung Pay, and Google Checkout.

Consumers, on the whole, favored more than one of these payment methods. In a

situation where consumers can pay via numerous (M)EPS, several payment

frameworks have been designed to facilitate the selection of an electronic payment

system. This section's major goal was to provide research literacy.

Purchasing goods and services over the internet has become a common

practice for many people all over the world. In fact, ease of use (22.8 percent of

participants), security (20.35 percent), convenience (13.34 percent), privacy (10.86

percent), and privacy (10.86 percent) were the most important factors. The most

desired characteristics were cost and fees (10.3 percent). Furthermore, the majority of

the participants in this study (65.4 percent) used their own desktops at home or their
 18

own mobile phones to shop online. Those who use public restrooms, however, were

extremely low. This clearly demonstrated that the majority of users were concerned

about their security while shopping online.

Titus Tossy in his article about “Modeling The Adoption of Mobile Payment

system for primary and secondary school student Examination fees in Developing

Country: Tanzanian Experience”. E-commerce, mobile banking, and mobile payment

systems all share similarities. They are all cashless transactions involving two parties.

While e-commerce applications can also be accessed via mobile devices, mobile

banking and mobile payments systems are more closely related because they are both

accessed via mobile devices. To comprehend the issues surrounding mobile payment

adoption, it is necessary to consider related technologies as well. Several studies on

the adoption of e-commerce and internet banking have been conducted using various

theoretical models. The electronic payment system has grown increasingly over the

last decades due to the growing spread of internet-based banking and shopping. As the

world advances more with technology development, they can see the rise of electronic

payment systems and payment processing devices.

Through this study, the researchers learn that electronic payments can help to

provide a convenient payment experience to all customers. This way of payment can

prevent the transmission of the virus when people are coping with the new normal.

Local Literature

D I Cendana and T D Palaoag (2020) in their article about “The Potential of

Designing a Digital Payment Framework for Philippine HEIs”. The growth of digital

payment has spread the industry of commerce In fact, cashless payment is becoming
 19

more popular in developed countries. Countries have been one of the norms in terms

of service improvement facilitating management's ability to ensure timely payment

collection. The primary goal of the research was to create a Higher Education

Institutions' Digital Payment Framework. Payment transactions in the Philippines are

being improved in order to improve services and resolve student behavioral issues in

the course of settling their school. Fees can be avoided by converting a student ID into

a Smart-ID. Thanks to high-tech mobile devices and internet banking apps, users can

pay for their goods and transfer money in one simple click (or tap).

Survey and interview were applied for data collection. The survey instrument

was reviewed and approved by the CICTS Research Director from the University of

the Cordilleras, Baguio City Philippines. The survey form was uploaded for reference.

Data was collected from PHINMA-University of Pangasinan, Philippines, and

snowball purposive sampling was applied to draw the 317 students from the

University of Pangasinan, 8 parents were interviewed during the payment collection

period and 2 employees from the finance department were interviewed to know their

perception of the possible implementation of smartID in the educational environment.

Both quantitative and qualitative approaches were adopted to assess the validity of

findings. Descriptive statistical analysis was used to analyze and interpret the results.

While review of secondary references of the existing digital payment frameworks was

conducted in reference to the conceptualized framework.

A response rate of 90.85% (N=288) from PHINMA University of Pangasinan

students was gathered. 57.99% (N=167) of them were male and 42.01% (N=121)

were female. The study provided relevant and sufficient information. for HEIs to

potentially adopt the use of Smart-ID The conversion of a student ID into a smart ID,

on the other hand, necessitates the participation of those who will be a part of the
 20

successful framework's implementation. The administration should ensure that it is

ready to form a partnership with banks, provide the required facilities, as well as be

willing to embrace new payment technology and improve existing payment methods

procedures. It is possible to guarantee ease of use and convenience only when parents

were able to conduct business through banks and Students can afford to use smart

cards on a continuous basis instead of cash. While this study concludes that 95

percent of Respondents have a positive attitude toward smart ID.

In this study, cashless payment in the educational environment has been one of

the norms for improving payment services. The researchers came up with the idea to

develop an Online Payment System: A Payment Option for Philippine College of

Science and Technology to help students pay their school fees thru the systems. This

study will help PhilCST to improve their present payment system.

Local Studies

Mapua University (2021) in their study of “Design of Cashless Payment

System with RFID to Improve Services of School Canteen”. The COVID-19 outbreak

has alarmed people all over the world. The transmission of the virus even in a single

droplet has worried everyone. An RFID-based cashless system that is aiming to

provide a comfortable, tension-free and easy way of payment (Gaikwad et al. 2017).

In the Philippines, tolls use RFID as payment to lessen problems and reduce

congestion in different expressways (Satyasrikanth et al. 2016). The Radio Frequency

Identification (RFID) is an application that helps in different industries and our daily

lives. This benefits the digital world as it raises new developments in terms of

concept, device and application. It has transformed nearly every aspect of modern life.
 21

It is indeed possible that the RFID will continuously implement applications

that will be an advantage for our society and humanity (Duroc, 2018). RFID

technology which aims to be one of the most convenient and efficient payment

transaction systems in terms of different cases which confidently use payment

systems that rely more on physical transactions than contactless transactions which

are solely more appropriate for this time being (Arbonida et al. 2019) . RFID can also

provide convenient transactions if the user is a bit far on the store; they have the

option to transact online and not on the physical store itself. Nowadays, users tend to

implement and welcome cashless transactions because not only it can generate

efficiency but also it can display a faster phase of purchasing goods; with the idea of

the researchers the access and errors can be limited because of the system transactions

that will be beneficial for the user and also the concessionaires of the physical store

itself (Mall and Shaikh. 2017). RFID systems offer benefits for businesses of all sizes,

allowing them to rapidly improve efficiency and reduce cost by automating processes

and improving utilization of assets and quality.

Numerous establishments have been using this system even before the

pandemic but some are still using the traditional way. Most canteens use pen-paper,

cash, manual calculations and manual inventory record keeping that consumes so

much time and shows an inefficient way to operate a business. With the use of RFID

technology, reducing service time, time, eliminates queues, eliminates the burden of

counting, and giving change. The use of RFID technology can also be a reliable way

of storing the records and going through them easier (Mall and Shaikh. 2017). RFID

eases the work of both students and staff as it can be used at many places like libraries

and canteens. Since it is associated with a unique ID, it may ensure the student’s

security (Nsengumuremyu et al. 2018). Challenges are not exempted when

 22

transitioning to a cash basis method to a cashless method (Pizzol et al. 2018). But

with the help of this system, it does not only help business but also improves the

development of the country’s economy (Soukal and Hedvicakova, 2014). As global

economy slowly mends itself from the recession, supply chain businesses are

increasingly concerned with improving the efficiency of their operations in order to –

going forward – remain financially stable through the good times and the bad. They’re

looking to RFID (Radio Frequency Identification) technology to increase the visibility

of their inventory and assets and, ultimately, run their business more smoothly.

It was mentioned in the literature cited that pandemic suddenly became a

turning point such as having a contact-free economy. And because of this pandemic,

people are afraid to be infected by the virus through the use of physical money. RFID

technology is one of the factors that can help affect the development of the so-called

“New Normal” way of lifestyle.

 23

CHAPTER III

METHODS AND PROCEDURES

This chapter explains the methods to be used in the study. It describes the

research design, the population and locale of the study, the instruments used, the

procedure of data gathering, the statistical treatment of data and the ethical

consideration.

Research Design

This study used a quantitative research design to enhance the research and to

make the study reliable and valid. Quantitative design emphasizes objective

measurements and the statistical, mathematical or numerical analysis of data

collected through google forms, survey questionnaires.

The researchers used the descriptive developmental method. Gillaco (2014),

discussed that descriptive method seeks the real facts in relation to a current situation.

Furthermore, this method works primarily on the description, comparison, analysis

and interpretation of data that exists. Meanwhile, Beb (n.d.) defined developmental

method as a body of research literature that pertains directly to instructional

development, which means an output will be developed after conducting this research.

In other words, descriptive developmental method is the systematic study of putting

into design, developing and careful evaluation of instructional programs, processes

and products that must meet the standard or criteria.

A descriptive research study describes categories of information such as

gender or patterns of interaction by simply recording what is being observed or what

is being asked with all the students and accounting personnel that are under the study

of the researchers. However, a method that describes the online payment application
 24

is being studied, as was used where data was collected from the respondents at one

point in a time.

The researchers paired the descriptive developmental method into the

Modified Waterfall Methodology. The Waterfall approach to systems analysis and

design was the first established modern approach to building a system. This method

was originally defined by Winston W. Royce in 1970 (The Modified Waterfall

Development Methodology", 2006). It is also referred to as a linear-sequential life

cycle model.

The modified waterfall model illustrates the software development process in

a linear sequential flow. This means that any phase in the development process begins

only if the previous phase is complete and the phases do not overlap.

Population and Locale of The Study

The locale of the study was at Philippine College of Science and Technology,

located at Old Nalsian Road, Nalsian Calasiao Pangasinan. Philippine College of

Science and Technology (PhilCST) is a private educational institution which was

established in 1994.

PhilCST and its programs are recognized by DepEd, CHED, MARINA, and

TESDA. The college also has accreditation from the Philippine Association of

Colleges and Universities Commission on Accreditation (PACUCOA). In addition to

these acknowledgments from major organizations, PhilCST also has an ISO

9001:2000 certification granted by AJA Registrars, making it the first ISO certified

school in the region.

The respondents of this study were the College students of Philippine College

of Science and Technology and the personnel of the Accounting Department who is in

charge of the implementation of the current payment system. Through the use of
 25

convenience sampling, the researchers were able to collect data from 137 respondents.

A convenience sample is a non-probability sample in which the researchers uses the

subjects that are nearest and available to participate in the research study. (Ashley

Crossman, 2019). These respondents agreed and willing to participate to be part of the

survey. The survey questionnaire was sent through the use of Google forms to be

answered by the respondents the of Philippine College of Science and Technology

who are willing to be part of the study.

Instrumentation/Sources of Data

The research instrument used in this research study was a survey

questionnaire and was answered by respondents through the use of google form.

These chosen instruments were used in the collection of data to test the validity and

reliability of the research study being conducted. The researchers prepared the survey

questionnaire with four (4) parts. The first part is composed of present payment

method being utilized in Philippine College of Science and Technology. The second

part are the problems encountered by the Philippine College of Science and

Technology. The third part is the proposed to minimize the problems encountered.

The last part is the features can be included in the design of the proposed system.

The survey questions was served as the guiding questions for the researchers so that

they won't forget the needed information to be gathered.

Aside from the survey questionnaires, the other source for gathering more

information that the researchers used is the Internet. The Internet has more

information on various articles and previous studies done by other researchers. The

findings were used as a guide for the researchers.

 26

Other sources of data used in the study were observation, online books, online

thesis, and an unpublished thesis to gather information significant to the proposed

study.

Data Analysis/Treatment of Data

In this study, the researchers used statistical tools in the Data analysis. For

specific problems, numbers 1, 2, and 3, frequency count, percentage formula, and

ranking formula were utilized.

The Formula used was:

Where:

p = percentage

f = frequency

n = total number of respondents

Ethical Considerations

The fulfillment of this study requires consideration of ethical issues like

informed consent, voluntary participation, and confidentiality. Respondents should

participate on the basis of informed consent. The principle of informed consent

involves researchers providing sufficient information and assurances about taking part

to allow individuals to understand the implications of participation and to reach a

fully informed, considered, and freely given decision about whether or not to do so,

without the exercise of any pressure or coercion.

The voluntary participation of respondents in the research is important.

Moreover, participants have the right to withdraw from the study at any stage if they

wish to do so. The confidentiality of information was deemed necessary for the
 27

purposed of ensuring respect and protection of the participants. In order to secure the

confidentiality, the responses of the participants will be gathered with full consent

with the help of a survey questionnaire and were used for research purposes only. In

addition, the names and other personal information of the respondents will not be

disclosed. Lastly, the authors, internet sources, or publications of the kinds of

literature used in this study will be properly acknowledged to avoid plagiarism.

CHAPTER 4
 28

RESULTS AND DISCUSSION

This chapter presents in detail the data retrieved from the respondents. It is

placed in tabular form. The corresponding analysis and interpretation are likewise

shown.

Present Payment Method Being Utilized

Based on the results gathered, table 1 below shows the frequency and

percentage distribution of the respondents in terms of present payment being utilized

in PhilCST. The majority of respondents answered cash as the most used payment

method in Philippine College of Science and Technology with a frequency of 132 and

a percentage of 79.04 %. According to Wordthington (2015), for consumer the

essential attraction of cash is ubiquity. It can be proffered and is accepted anywhere,

anytime, by anybody, a consumer or retailer you do not need a bank account to either

use or accept cash.

The second highest is electronic bank transfers with a frequency of 13 and a

percentage is 7.78%. Electronic Funds Transfer, customers are now able to use

payment instruments that replace cash. Currently, most Ethiopian banks issue VISA

electron debit cards. Using debit cards, customers can withdraw money from ATM

anytime of the day and make payments at Point of Sale (hereinafter “POS”) terminals

for services or goods supplied by merchants. Similar services are available for VISA

and MasterCard cardholders from other countries (Simret Zewdie, 2014).

The third highest is credit cards with a frequency of a 11 and a percentage of

6.58% while debit cards got the lowest frequency of 1 and a percentage of 0.59 %. In

this 21st century, credit cards have almost replaced the use of cash and personal

cheques among societies. Credit cards are increasingly used to pay all the types of

commodities regardless of the price (Soman, 2017).

 29

The least chosen answer is Debit Cards with a frequency of 1 and a percentage

of 0.59%. According to Zinman (2019) supplements this study by investigating how

consumers choices between credit and debit cards respond to the prices of payment

instruments. Debit cards offer similar attributes to credit cards like acceptance,

security, portability and time costs. The pecuniary cost of a marginal credit card

charge is the key economic difference between debit and credit for many households.

Table 1
Present Payment Method Being Utilized

Payment Frequency Percentage (%) Rank

Cash 132 79.04 1
Cheques 7 4.19 4
Debit Cards 1 0.59 6
Mobile Payments 3 1.79 5

Electronic Bank 13 7.78 2

Transfers
Credit Cards 11 6.58 3
Total 167 100.00

Problems Encountered Using the Present System

Table 2 below presents the problems encountered by the students of the

Philippine College of Science and Technology in paying their school fees. The

majority of the respondents answered the slow process of payment as the number one

problem they encountered with a frequency of 97 and a percentage of 19.01% where

fthey will need to fall in line in the accounting office to pay their tuition and other

fees. According to Michal Polasik (2016), consumer satisfaction from the purchase

depends heavily on the time of queuing and the time of undertaking a transaction at

the counter. The speed of the payment transaction process is of major importance for
 30

efficiency. It shows that customers are unwilling to fall in line to pay because of long

queues. Two-fifths of the shoppers refuse to wait in queue for more than two minutes.

The second-highest is many students don’t follow the first come first serve

rule having a frequency of 75 and a percentage of 14.70% where there using their

classmate or their friends who line up as an advantage to finish quickly not caring

about other students at the back who also line up. Although the norm in many retail

banks is to serve customers on a first-come, first-served basis, some customers try to

cut the line, usually by providing an excuse for their urgency. In other queues,

however, this behavior is considered unacceptable and is aggressively banned (Gal

Allon, 2018).

The third highest is slow in receiving a receipt and change with a frequency of

71 and percentage of 13.92%. A receipt is a written acknowledgment that something

of value has been transferred from one party to another. In addition to the receipts

consumers typically receive from vendors and service providers, receipts are also

issued in business-to-business dealings as well as stock market transactions. Using a

semi-manual system receiving a receipt are much slower than computerized

systems. (Kirill Tšernovm, 2015).

The least chosen answer with a frequency of 1 and a percentage of 0.19%

is Others: (All of the Choices). One respondent answered because he might have

encountered all of the listed problems in the questionnaire.

Table 2
Problems Encountered
 31

Problems Frequency Percentage (%) Rank

Slow process of payment 97 19.01 1
Time consuming 61 11.96 4
Hassle (Irritating 49 9.60 6
inconvenience)
Long queues 34 6.66 8
Slow in receiving receipt 71 13.92 3
and change
Poor ventilation 27 5.29 9
Many students don’t 75 14.70 2
follow the first come first
serve rule
Payment area is too 39 7.64 7
narrow and small
Doesn’t follow the social 56 10.98 5
distancing rule
Others: (All of the 1 0.19 10
Choices)
Total 510 100

Features to be Included

Table 3 below shows the distribution of the respondents in terms of features of

the system. The majority of the respondents answered secured and reliable as the

number one feature with a frequency of 91 and a percentage of 26.76% because they

want the system secured and reliable because security should be the number one

priority to protect the data and the money of the users to avoid data leaks and hackers.

According to Grewal (2019), point out the analysis of theft prevention measures in

various kinds of system performance and reliability and lower tolerance for delay.

Small events pose threats of great consequences since the impact of any incident is

magnified when a transportation network is operating at or past its capacity.

The second highest is payment using an e-wallet like g-cash with a frequency

of 79 and a percentage of 23.23% where they want to add and e-wallet feature like G-

cash or Paymaya. According to Roy & Sinh (2014), the advent of this development in
 32

the global business environment challenged most organizations to automatically

switch from the conventional paper-based money transactions to an electronic

payment system which is widely known as the e-payment system. Generally,

electronic payment can be defined as a platform used in making payments for

goods/services purchased online through the use of internet.

The third-highest is receiving a receipt after the transaction with the frequency

of 56 and a percentage of 16.47%. because receipt are official record that represents

proof of financial transaction. A receipt is a written acknowledgment that something

of value has been transferred from one party to another. In addition to the receipts

consumers typically receive from vendors and service providers, receipts are also

issued in business-to-business dealings as well as stock market transactions. Using a

semi-manual system receiving a receipt are much slower than computerized

systems. (Kirill Tšernovm, 2015).

The least chosen answer is

Payment using Bank Transfer with a

frequency of 33 and a percentage of

9.70%. According to Singh Sumanjeetz

(2017), bank transfer (or wire transfer) is

a payment method that allows consumers

to transfer money to a bank account

around the world. The consumer is

provided with a unique reference number

and details of the bank account where

they can make their payment. The

 33

consumer will then complete the

transaction in any way they prefer to pay.

This payment can be made by telephone,

mail, or through their online banking

package.

Therefore, some of the respondents want the system to implement because it is

a convenient, hassle-free, fast and easy way of payment, and it can save a lot of time

and money for the students. This system will benefit not just students and accounting

personnel but also the school because it can improve their present payment system.

Table 3
Distribution of the Respondents in Terms of Features of the Proposed System

Features Frequency Percentage Rank

Secured and reliable 91 26.76 1
Payment using E-wallet 79 23.23 2
(Gcash, Paymaya)
Payment using Bank 33 9.70 6
Transfer
Trackable Balance 34 10 5
SMS Notification After 47 13.82 4
Transactions
Receipt after the 56 16.47 3
transaction
Total 340 100.00

Use Case Diagram

 34

Figure 4

Use Case Diagram

A Use Case Diagram is a representation of a user’s interaction with the system

that allows the relationship between the user and the different use cases in which the

user is involved. A use case diagram can identify the different types of users of a

system and the different use cases and will often be accompanied by other types of

diagram as well. Primarily, a use case itself might drill into a lot of detail about every

possibility; a use case diagram can help provide a higher-level view of the system

and convey the requirements in layman’s terms for the stakeholders. Additional

diagram and documentation can be used to provide a complete functional and

technical view of the system(capstoneguide,2020).

The Use Case Diagram was used by the researchers to determine the

functional requirements for the system which included the actions, services, and

functions that the system needed to perform. The next page’s use case diagram
 35

demonstrates the functionality of the Online Payment System for Philippine College

of Science and Technology from Calasiao, Pangasinan. It described how users would

use the Online Payment System.

Agile Methodology

The researchers used Agile Methodology that served as a guide using the five

phases on developing the proposed system. The Agile methodology is a way to

manage a project by breaking it up into several phases. It involves constant

collaboration with stakeholders and continuous improvement at every stage. One the

work begins, teams cycle through a process of planning, executing, and evaluating.

Continuous collaboration is vital, both with team members and project stakeholders.

(Wrike, 2015).

The phases of agile methodology are the following:

Requirements Phase

The first phase in the Agile Methodology is Requirements Phase. According to

James McGovern et.al (2003), during the requirements analysis phase of component-

based service development, an entire system’s functional and nonfunctional

requirements are defined. The functional requirements relate to the way the

component-based service with fulfill the business need. Credit-card validation is an

example of functional requirement. Nonfunctional requirements are technical in

nature. A requirement that states that a response must be returned to the consumer

within two seconds is an example of a nonfunctional requirement. Techniques such as

looking at existing documentation and conducting user interviews are used to

construct a set of artifacts that constitute the requirements for the system.
 36

The requirement phase is important for the development of the study which in

this phase enabled the researchers to avoid some possible risk that may occur on the

development of the system.

The researchers conducted planning and brainstorming on how to develop the

study, what was the study is going to be and purpose is going to fulfill. The

researchers applied a requirements analysis to determine the problems encountered by

the present method used, and the researcher’s idea will produce a solution to the

problem. The researchers used the internet to learn about the system’s possible

content and to find potential applications related to the study that could help us in

developing the system.

To develop the Online Payment System for Philippine College of Science and

Technology the researchers determined the software and hardware requirements.

Table 4

Minimum Software and Hardware Requirements

Minimum Software Requirements

Operating System Windows 7 or Higher,

Android 5.1.1

Web browser Google Chrome

Microsoft Edge

Mozilla Firefox

Opera Mini

Brave
 37

Minimum Hardware Requirements

1.5HGz for Pc,
Processor QualcommMsM8916Quad Core for Mobile
Random Access Memory (RAM) 2 gigabytes (GB) for PC,
2 gigabytes (GB) for Mobile

Storage 1 gigabyte (GB) or higher for PC,

16 gigabytes (GB) for mobile

Wi-Fi or Internet Connection Capability

Design

According to Halwai (2021) the design phase, is an important part of the

software development life cycle. Design decisions are made based on the

requirements list you created during the definition process. One or more designs are

generalized in the design phase to accomplish the project’s goal. Dioramas,

flowcharts, drawings, site tress, HTML screen designs, picture impressions,

prototypes, and UML schemas are among the design phase products, depending on

the project issue.

The second phase of the agile methodology was the Design Phase. The system

is designed here. The key goals of this phase are to turn all of the requirements into

through specifications that cover all parts of the system, plan and analyze security

concerns, and get clearance to go on the development phase. The design phase was

utilized by the researchers to develop the proposed system’s numerous interfaces and

to tweak the adjustments that were made to the projected result. The researchers

devised the design of the suggested system’s characteristics at this phase.

The researchers created multiple user interface designs and chose the best fit for

the system, which was used in the researcher’s documentation. The documentation

assists the researchers in keeping track of the clients who have been met. This phase
 38

was important to the development process it served as the researcher’s guideline for

the study.

Development

According to Project Management (2021), everything that will be required to

complete is project organized during the development phase. Potential supplies or

subcontractors are called in, a timetable is created supplies and tools are bought,

people are given instructions, and so on. When the implementation phase is ready to

begin, the development stage is over. For the parties who will implement the plan,

everything must clear.

In this phase the researchers reviewed the backing and analyze what has to be

made to implement the properties and design of the proposed system. The researchers

begin to code, develop, and design to the features and functionalities of the system.

The researchers use the development phase to identify potential problems as early as

possible. The researchers test the functionality of the website and identify the errors to

lessen the problems in developing the system. The following software was used by the

researchers: HTML, CSS, PHP Laravel and Visual Studio Code. The working system

entered the test phase at the end of this phase.

Quality Assurance and Testing

According to Bucki (2020), quality assurance ((QA) is the act or process of

confirming that a firm’s quality requirements are being met. Managing the quality of

production involves planning, fulfilling, and monitoring activities. Quality assurance

is the monitoring facet of the discipline. Quality Assurance is the fourth phase of the

agile methodology. This phase establishes and maintains set requirements for

developing or manufacturing reliable products, A quality assurance system is meant to

 39

increase customer confidence and a company’s credibility while also improving work

processes and efficiency, and it enables a company to better compete with others.

The researchers integrated testing into the development phase to check,

analyze, and identify the possible errors that may be encountered. The researchers test

and find possible errors and bugs and try to fix software testing and quality assurance.

The researchers used this phase to test the functional requirements of the Online

Payment System for Philippine College of Science and Technology.

Deployment

According to study (2017), the deployment phase is the final phase of the

software development life cycle (SDLC) and puts the product into production. This

means that the product is ready to be used in real environment by all end users of the

product.

Deployment is the final phase of the agile methodology. In this phase, the

system is ready to be deployed. The researchers presented the Online Payment System

to the Philippine College of Science and Technology for release to the market. This

meant that the system is ready to use in real environment by all end users.
 40

Figure 5

Research Methodology (Agile Methodology)

The researchers used Agile Methodology because of its flexibility, cost-

effective, reduces risk, enjoyable work environment and quality product allows room

for adjustments and can catch issues and bugs before they manifest.

Chapter V

SUMMARY, FINDINGS, CONCLUSIONS, AND RECOMMENDATIONS

 41

This chapter presents the summary, findings, conclusions, and

recommendations of the study.

Summary

The purpose of this study was to implement an online payment system: a

payment option for the Philippine College of Science and Technology, Calasiao,

Pangasinan. In line with this, this research sought to answer the following specific

problems; What is the present payment method being utilized in the Philippine

College of Science and Technology, what are the problems encountered with the

present payment method, and What can be proposed to minimize the problems

encountered, and What are the features can be included in the design of the proposed

system?

The researchers hypothesized that there is a good impact of an online payment

system: a payment option for the Philippine College of Science and Technology.

Using a descriptive survey method to determine the factors that influence the online

payment system will give a better way for the students to pay their student fees.

The researchers used the Descriptive Developmental Method as a research

framework of study. The researchers chose Philippine College of Science and

Technology as the place where the study will be conducted. The target respondents

are the random college students, and accounting department staff from the said

institution who are expected to produce research output.

The major instrument used in this study was an online survey questionnaire in

which frequency and percentage were determined using statistical treatment.

Findings

Based on the results gathered, the following findings are hereby presented:
 42

1. The present system used for the payment method system in the accounting

department of the Philippine College of Science Technology through Cash.

2. The top three problems encountered in the present Payment Method System of the

Philippine College of Science and Technology, as answered by the respondents are;

the slow process of payment, some students don’t follow the first come first serve

rule, and slow in receiving a receipt and change.

3. The features to be adopted in the development of the proposed system as answered

by the respondents are; Secure and Reliable, Payment using an e-wallet

(Gcash/Paymaya), and receiving a receipt after the transactions.

4. The Proposed System is a web-based application which can be use to pay the

tuitions fees of the student using the e-wallet payment and bank transfer method,

which can be manage by the administrator and accounting personnel.

Conclusions

Based on the results, the following are the conclusions of the study:

1. The Philippine College of Science and Technology accepts cash and cheque as

payment methods in its present system.

2. The students encountered problems regarding the present Payment System.

3. The features implemented in the Online Payment System would improve the

efficiency of the accounting department services of the Philippine College of Science

and Technology.

4. The students recognized the need for an Online Payment System to minimize the

problems encountered.

Recommendations
 43

Based on the findings and conclusions, the researchers would recommend the

following:

1. The researchers recommend trying the proposed system to make the bill payment

faster and more efficient than the manual payment system.

2. The problems encountered by the respondents with the present payment system

must be tackled by the PhilCST management in order to give solutions regarding the

experiences of the students.

3. The researchers recommend the admin and assigned staff to understand how the

system works, how it flows, and how to use it.

4. The College of Computer Science should conduct more computer programming

and web development seminars and training to enhance the students’ skills for their

chosen profession.

BIBLIOGRAPHY

Internet Sources
 44

Bryman, A. & Bell, E. (2007). “Business Research Methods”, 2nd edition. Oxford
University Press. Saunders, M., Lewis, P. & Thornhill, A. (2012) “Research
Methods for Business Students” 6th edition, Pearson Education Limited. Ethical
Considerations.
https://research-methodology.net/research-methodology/ethical-considerations/

Burhan Ul Islam Khan Department of ECE Kulliyyah of Engineering IIUM,

Malaysia, Rashidah F. Olanrewaju Department of ECE Kulliyyah of Engineering
IIUM, Malaysia, Asifa Mehraj Baba Department of ECE School of Technology
IUST, Kashmir, Adil Ahmad Langoo Graduate School of Management IIUM,
Malaysia, and Shahul Assad Department of Management Studies University of
Kashmir, Kashmir. A Compendious Study of Online Payment Systems: Past
Developments, Present Impact, and Future Considerations.
https://thesai.org/Downloads/Volume8No5/
Paper_32A_Compendious_Study_of_Online_Payment_Systems.pdf

By Joe Devanesan. The Philippines’ new cashless culture is going back to school.
https://techwireasia.com/2020/08/the-philippines-new-cashless-culture-is-going-
back-to-school/

Clayton Christensen Institute. Modularity Theory

https://www.christenseninstitute.org/interdependence-modularity/?
fbclid=IwAR0Hllu2FR1_MLTLdF1ErpH3RuKsnVj4HlB6Om6F1Svb5LkhRRqdA
EYl27U

D I Cendana and T D Palaoag. The Potential of Designing a Digital Payment

Framework for Philippine HEIs
https://iopscience.iop.org/article/10.1088/1757-899X/803/1/012045/meta

Deloitte. Digital payments in education Saving time for better outcomes.

https://www2.deloitte.com/content/dam/Deloitte/au/Documents/financial-
services/deloitte-au-ps-digital-payments-education-240717.pdf

Ecommerce Glossary. Payment method

https://rechargepayments.com/glossary/payment-method/

Edgard Hilario. “PH schools go cashless in the ‘new normal’ with the help of
PayMaya”
https://mb.com.ph/2020/07/30/ph-schools-go-cashless-in-the-new-normal-with-
the-help-of-paymaya/

Iman Vidya Kemal, Nofie (2016) Mobile payment system: theory and cases of
services modularity. PhD thesis, London School of Economics and Political
Science. Mobile payment system: theory and cases of services modularity
http://etheses.lse.ac.uk/3439/?fbclid=IwAR2AMvtV-54paPFuZ6Hr-
o79RBkk9rd0qWICEfzE4Wx-lWPi52079VfxkWY

IPL. Descriptive Developmental Methodology

https://www.ipl.org/essay/Descriptive-Developmental-Methodology-
PKJQXCSK6C486
 45

Mapua University. 2021. Design of Cashless Payment System with RFID to

Improve Services of School Canteen: A Case Study. Retrieved from
http://www.ieomsociety.org/singapore2021/papers/1135.pdf

O. Tounekti, A. Ruiz-Martínez and A. F. Skarmeta Gómez, "Users Supporting

Multiple (Mobile) Electronic Payment Systems in Online Purchases: An
Empirical Study of Their Payment Transaction Preferences," in IEEE Access,
vol. 8, pp. 735-766,.
https://ieeexplore.ieee.org/abstract/document/8939372

Rana Atabay Kuscu (Istanbul Medipol University, Turkey), Yasemin Cicekcisoy

(Istanbul Halic University, Turkey) and Umit Bozoklu (Istanbul Gedik
University, Turkey). Electronic Payment Systems in Electronic Commerce
https://www.igi-global.com/chapter/electronic-payment-systems-in-electronic-
commerce/235899

Titus Tossy Faculty of Science and Technology, Mzumbe University. MODELLING

THE ADOPTION OF MOBILE PAYMENT SYSTEM FOR PRIMARY AND
SECONDARY SCHOOL STUDENT EXAMINATION FEES IN
DEVELOPING COUNTRIES: TANZANIAN EXPERIENCE
https://citeseerx.ist.psu.edu/viewdoc/download?
doi=10.1.1.1084.4688&rep=rep1&type=pdf

Veronica S. Moertini , Asdi A. Athuri, Hery M. Kemit, Nico Saputro1 Informatics

Dept., Accounting Dept., IT Bureau, Finance Bureau Parahyangan Catholic
University Bandung – Indonesia. THE DEVELOPMENT OF ELECTRONIC
PAYMENT SYSTEM FOR UNIVERSITIES IN INDONESIA: ON
RESOLVING KEY SUCCESS FACTORS
https://arxiv.org/ftp/arxiv/papers/1105/1105.0153.pdf

Vincent Paget. Features vs Functionality: How to accurately compare software

systems
https://www.orah.com/blog/features-vs-functionality

Winston W. Royce. ("The Waterfall Development Methodology", 2006)

https://www.umsl.edu/~hugheyd/is6840/waterfall.html

Yan Xiao, Project Lead, Digital Trade, World Economic Forum, Martin
Chorzempa, Fellow, Peterson Institute for International Economics. How
digital payments can help countries cope with COVID-19, other pandemics:
Lessons from China.
https://www.weforum.org/agenda/2020/05/digital-payments-cash-and-covid-
19-pandemics/
 46

APPENDICES

APPENDIX A
Letter to the Executive Vice-President
 47

ENGR.OSCAR B. GIRONELLA SR. D.MIN

Executive Vice-President

Sir:

Greetings!

We, the 4rth year BS Computer Science students of the Philippine College of
Science and Technology (PhilCST). As part of the requirements of the subject thesis,
we would like to request for a permission to conduct a study entitled “Online
Payment System: A payment option for Philippine College of Science and
Technology”. May we ask your good office to allow me to conduct and interview and
survey about the present payment system in the Accounting Department of PhilCST,
which we will use in developing an online payment system for our Institution.
Rest assured that whatever information gathered will be kept confidential.
Thank you, more power and Glory to God in the highest!
Very truly yours,

MANANGAN, CHRISTIAN
DE GUZMAN, JOSHUA C.
BAUTISTA, KEITH E.
CENDAÑA, SYDNEY
MUÑOZ, ERIKA M.

(Students of PhilCST)

Noted by:

MS. RACHELLE N. CAMACHO, MIT

Dean, College of Computer Studies

Approved by:

ENGR.OSCAR B. GIRONELLA SR. D.MIN

Executive Vice-President

APPENDIX B
Letter to the Vice President for Academic Affairs
 48

ENGR.RAUL B. GIRONELLA SR. D.MIN

Vice President of Academic Affairs

Sir:

Greetings!

We, the 4rth year BS Computer Science students of the Philippine College of
Science and Technology (PhilCST). As part of the requirements of the subject thesis,
we would like to request for a permission to conduct a study entitled “Online
Payment System: A payment option for Philippine College of Science and
Technology”. May we ask your good office to allow us to conduct an interview and
survey about the present payment system in the Accounting Department of PhilCST,
which we will use in developing an online payment system for our Institution.
Rest assured that whatever information gathered will be kept confidential.
Thank you, more power and Glory to God in the highest!
Very truly yours,

MANANGAN, CHRISTIAN
DE GUZMAN, JOSHUA C.
BAUTISTA, KEITH E.
CENDAÑA, SYDNEY
MUÑOZ, ERIKA M.

(Students of PhilCST)
Noted by:

MS. RACHELLE N. CAMACHO, MIT

Dean, College of Computer Studies

Approved by:

ENGR.RAUL B. GIRONELLA SR. D.MIN

Vice President of Academic Affairs

APPENDIX C
Letter to the Research Director and Graduate Studies
 49

DR. CRISTINA L. TAGURA

Research Director

Ma’am:

Greetings!

We, the 4rth year BS Computer Science students of the Philippine College of
Science and Technology (PhilCST). As part of the requirements of the subject thesis,
we would like to request for a permission to conduct a study entitled “Online
Payment System: A payment option for Philippine College of Science and
Technology”. May we ask your good office to allow us to conduct an interview and
survey about the present payment system in the Accounting Department of PhilCST,
which we will use in developing an online payment system for our Institution.
Rest assured that whatever information gathered will be kept confidential.
Thank you, more power and Glory to God in the highest!
Very truly yours,

MANANGAN, CHRISTIAN
DE GUZMAN, JOSHUA C.
BAUTISTA, KEITH E.
CENDAÑA, SYDNEY
MUÑOZ, ERIKA M.

(Students of PhilCST)
Noted by:

MS. RACHELLE N. CAMACHO, MIT

Dean, College of Computer Studies

Approved by:

DR. CRISTINA L. TAGURA

Research Director

APPENDIX D
Letter to the Dean
 50

MS. RACHELLE N. CAMACHO, MIT

Dean, College of Computer Studies

Ma’am:

Greetings!

We, the 4rth year BS Computer Science students of the Philippine College of
Science and Technology (PhilCST). As part of the requirements of the subject thesis,
we would like to request for a permission to conduct a study entitled “Online
Payment System: A payment option for Philippine College of Science and
Technology”. May we ask your good office to allow us to conduct an interview and
survey about the present payment system in the Accounting Department of PhilCST,
which we will use in developing an online payment system for our Institution.
Rest assured that whatever information gathered will be kept confidential.
Thank you, more power and Glory to God in the highest!
Very truly yours,

MANANGAN, CHRISTIAN
DE GUZMAN, JOSHUA C.
BAUTISTA, KEITH E.
CENDAÑA, SYDNEY
MUÑOZ, ERIKA M.

(Students of PhilCST)

Approved by:

MS. RACHELLE N. CAMACHO, MIT

Dean, College of Computer Studies

APPENDIX E
Letter to the Respondents
 51

Dear Respondents,

Greetings!

We, the 4rth year BS Computer Science students of the Philippine College of
Science and Technology (PhilCST). As part of the requirements of the subject thesis,
we would like to request for a permission to conduct a study entitled “Online
Payment System: A payment option for Philippine College of Science and
Technology”. The objective of the research study is to improve the payment system
of our school especially right now where everybody are in a pandemic situation where
people are coping up with the new normal and finding ways to prevent transmission
of the virus
Rest assured that whatever information gathered will be kept confidential.
Thank you, more power and Glory to God in the highest!
Very truly yours,

MANANGAN, CHRISTIAN
DE GUZMAN, JOSHUA C.
BAUTISTA, KEITH E.
CENDAÑA, SYDNEY
MUÑOZ, ERIKA M.

(Students of PhilCST)

Approved by:

MS. RACHELLE N. CAMACHO, MIT

Dean, College of Computer Studies

APPENDIX F

Survey Questionnaire
 52

Name(optional): ______________________________
Year Level: _________
Instruction: Listed below are the items that needed to answer for our research.
Kindly read each statement carefully and give your response by putting a check mark
(/) or encircle the answer that corresponds to your understanding.
1. What is the present payment method being utilized in Philippine College of
Science and Technology? (Please select each that is applicable)
a) Cash
b) Checks
c) Debit Cards
d) Credit Cards
e) Mobile Payments
f) Electronic Bank Transfers
2. What are the problems you’ve encountered in the current payment system of
Philippine College of Science and Technology? (Please select each that is
applicable)
a) Slow process of payment
b) Time consuming
c) Hassle (Irritating Inconvenience)
d) Long queues
e) Slow in receiving receipt and change
f) Poor Ventilation
g) Many students don’t follow the first come first serve rule
h) Payment area is too narrow and small
i) Some students don’t follow the social distancing rule
j) All of the Choices
3. What features do you like to include in the design of the proposed system?
(Please select each that is applicable)
a) Secured
b) Payment using E-Wallet (Gcash, Paymaya, Paypal, Coins.ph
c) Payment using Bank Transfer (BDO, PNB, ChinaBank, LandBank)
d) Track-able balance
e) SMS notification after transactions
f) Have a receipt included after your payment transaction.

APPENDIX G
 53

Screenshots of the System

Figure 6
Login Page

Table 5
Login Page

Numbe Icon/Button Function/Description

1r Login The login button will allow you to login to the system.
2 Register The register button will allow you to register to the system.
Button
3 Student No. Enter your registered student number.
4 Email Enter your registered email address.
Address
5 Password Password field will accept the Upper and lower case of
your password.
6 Login The login button will proceed to the user dashboard.
 54

Figure 7
Registration Page

Table 6
Registration Page
Number Icon/Button Function/Description
1 Student no. Enter your student number.
2 Name Enter your full name.
3 Email Enter your email address.
Address
4 Password Enter your password.
5 Confirm Enter again your password.
Password
6 Course Enter your course.
7 Year Enter your year in college.
8 Phone Enter your phone number.
9 Register The register button allows the user to register an account
he/she made.
 55

Figure 8
Dashboard

Table 7
Dashboard

Number Icon/Button Function/Description

1 Create The create payment button will allow the user/student to
payment pay.

Figure 9
Admin Page

Table 8
Admin Page

Number Icon/Button Function/Description

1 Admin It shows the lists of transactions of students.
Dashboard
 56

Figure 10
Create Payment Page

Table 9
Create Payment Page

Icon/Button Function/Description
1 Create payment The create payment button will allow the user/student to
pay.
2 Gcash/Grabpay Select payment type either GCash or GrabPay.
3 Amount Enter the desired amount to pay.
4 Submit The submit button will proceed to the Paymongo
authorization page.

Figure 11
Paymongo Test Payment Page
 57

Table 10
Paymongo Test Payment Page

Number Icon/Button Function/Description

5 Authorize This button will authorize the payment.
Test Payment
6 Fail Test This button will fail the payment.
Payment
7 Expire Test This button will expire the payment.

Figure 12
E-mailed Receipt

Table 11
E-mailed Receipt

Number Icon/Button Function/Description

1 E-mailed This is an email including the receipt of the transactions
Receipt from the user.
 58

Figure 13
Transaction Records

Table 12
Transaction Records

Numbe Icon/Button Function/Description

1 ID This ID represents the number of transactions made.

2 Type This column displays the payment method the user/s made.
3 Transaction This column also displays the other transactions id from
ID the payment method.
4 Amount This will display the amount that user/s pay earlier.

5 Status This will display the status if the payment is successfully

paid.
6 Created At This will display the date and time of transactions.
 59

Figure 14
Paymongo Dashboard

Table 13
Paymongo Dashboard

Numbe Icon/Button Function/Description

1 All Payments This payments transaction will display the transactions that
succeeded.
 60

Office of the Research and Graduate Studies

CERTIFICATE

This research manuscript (Thesis, Project Feasibility Study/Capstone Project/

Thesis Feasibility) entitled “Online Payment System: A payment option for

Philippine College of Science and Technology” of the College of Computer Studies

is certified to have been reviewed as to its compliance with the institutional format.

This certificate is issued to be a part of the Appendix of the final manuscript of

the said study.

DR. CRISTINA L. TAGURA

Director of Research and Graduate Studies
 61

APPENDIX I
Documentation
62
 63

CURRICULUM VITAE
 64

BAUTISTA, KEITH E.
Baluyot, Bautista, Pangasinan
09677000639
[email protected]

_____________________________________________________________________
Objectives: To make use of my interpersonal skills to achieve goals of a company
that focuses on customer satisfaction and customer experience.
_____________________________________________________________________

PERSONAL INFORMATION

DATE OF BIRTH : February 6, 2000

PLACE OF BIRTH : Tayug, Pangasinan
AGE : 22
CIVIL STATUS : Single
HEIGHT : 6’0
WEIGHT : 69
GENDER : Male
CITIZENSHIP : Filipino
RELIGION : Roman Catholic
DIALECT : Tagalog
NAME of FATHER : Romelio D. Bautista
OCCUPATION : OFW
NAME of MOTHER : Juvy E. Bautista
OCCUPATION : Housewife
EDUCATIONAL ATTAINMENT

TERTIARY : Bachelor of Science in Computer Science

Philippine College of Science and Technology
Old Nalsian, Calasiao, Pangasinan.
2018-Present

SECONDARY: Philippine College of Science and Technology

Old Nalsian, Calasiao, Pangasinan
2012-2018

ELEMENTARY: Baluyot Elementary

Baluyot, Bautista, Pangasinan
2006-2012

SEMINAR ATTENDED:

February 1, 2019 Leadership Training and Seminar in

Cooperation with YMCA Dagupan.
September 20, 2019 Seminar-Workshop in Integrative Programming
and Technologies.
 65

February 2, 2022 Mobile App Development Using Flutter.

CERTIFICATE:

NCII IN COMPUTER SYSTEMS SERVICING

NCIII JAVA PROGRAMMING
Mobile Development Flutter

PERSONAL SKILLS:
● Programmer

● Encoder

● Photo Editor

● Computer Technician

Motto:
“There’s a fetus survival out there, You will be fine.”
 66

MANANGAN, CHRISTIAN
Warey, Malasiqui, Pangasinan
09307626869
[email protected]

_____________________________________________________________________
Objectives: To secure a challenging position in a reputable organization to expand
my learning, knowledge, and skills.
_____________________________________________________________________

PERSONAL INFORMATION

DATE OF BIRTH : August 30, 2000

PLACE OF BIRTH : Jerusalem, Israel
AGE : 21 years old
CIVIL STATUS : Single
HEIGHT : 6’3
WEIGHT : 119 kg
GENDER : Male
CITIZENSHIP : Filipino
RELIGION : Roman Catholic
DIALECT : Pangasinan, Tagalog
NAME of FATHER : Danilo H. Lee
OCCUPATION : Retired
NAME of MOTHER : Marita S. Manangan
OCCUPATION : OFW
EDUCATIONAL ATTAINMENT

COLLEGE: Bachelor of Science in Computer Science

Philippine College of Science and Technology
Old Nalsian, Calasiao, Pangasinan.
2018-Present

SECONDARY: Malasiqui Catholic School

Bonifacio St. Brgy. Poblacion, Malasiqui,
Pangasinan
2012-2018
ELEMENTARY: J. C. Macaranas Elementary School
Warey, Malasiqui, Pangasinan
2006-2012
 67

SEMINAR ATTENDED:

February 1, 2019 Leadership Training and Seminar in

Cooperation with YMCA Dagupan.
September 20, 2019 Seminar-Workshop in Integrative Programming
and Technologies.

CERTIFICATE:

NCII IN COMPUTER SYSTEMS SERVICING

PERSONAL SKILLS:
● Programmer

● Encoder

● Photo Editor

● Computer Technician
Motto:
“If our lives are already written, it would take a courageous man to change the script”
 68

DE GUZMAN, JOSHUA C.
Brgy. Bakitiw, Malasiqui, Pangasinan
09458036357
[email protected]

_____________________________________________________________________
Objectives: To make use of my interpersonal skills to achieve goals of a company
that focuses on customer satisfaction and customer experience.
_____________________________________________________________________

PERSONAL INFORMATION

DATE OF BIRTH : November 17, 1999

PLACE OF BIRTH : Malasiqui, Pangasinan
AGE : 22 years old
CIVIL STATUS : Single
HEIGHT :
WEIGHT :
GENDER : Male
CITIZENSHIP : Filipino
RELIGION : Roman Catholic
DIALECT : Pangasinan, Tagalog
NAME of FATHER : Bernabe De Guzman
OCCUPATION :
NAME of MOTHER : Lita De Guzman
OCCUPATION :

EDUCATIONAL ATTAINMENT

COLLEGE:
Bachelor of Science in Computer Science
Philippine College of Science and Technology
Old Nalsian, Calasiao, Pangasinan.
2018-Present

SECONDARY: Malasiqui Agno Valley College

Malasiqui, Pangasinan
2012-2018
 69

ELEMENTARY: Baluyot Elementary

Baluyot, Bautista, Pangasinan
2006-2012

SEMINAR ATTENDED:

February 1, 2019 Leadership Training and Seminar in

Cooperation with YMCA Dagupan.

August 24,2019 College of Computer Students Council

September 20, 2019 Seminar-Workshop in Integrative Programming

and Technologies.

CERTIFICATE:

NCII IN COMPUTER SYSTEMS SERVICING

PERSONAL SKILLS:
● Programmer

● Encoder

● Photo Editor

● Computer Technician

Motto: “Better to wait than force things to happen.”

 70

MUNOZ, ERIKA M.
Gomez St., Dagupan City, Pangasinan
09508152467
[email protected]

_____________________________________________________________________
Objectives: To make use of my interpersonal skills to achieve goals of a company
that focuses on customer satisfaction and customer experience.
_____________________________________________________________________

PERSONAL INFORMATION

DATE OF BIRTH : August 29, 2000

PLACE OF BIRTH : San Carlos City, Pangasinan
AGE : 21 years old
CIVIL STATUS : Single
HEIGHT :
WEIGHT :
GENDER : Female
CITIZENSHIP : Filipino
RELIGION : Roman Catholic
DIALECT : Tagalog
NAME of FATHER : n/a
OCCUPATION :
NAME of MOTHER : Maricel M. Muñoz
OCCUPATION :
EDUCATIONAL ATTAINMENT

COLLEGE: Bachelor of Science in Computer Science

Philippine College of Science and Technology
Old Nalsian Road, Calasiao, Pangasinan
2018 - Present

SECONDARY: East Central Integrated School

Mayombo Dist., Dagupan City
2012-2018
 71

ELEMENTARY: East Central Elementary School

Mayombo Dist., Dagupan City
2006-2012

SEMINAR ATTENDED:

February 1, 2019 Leadership Training and Seminar in

Cooperation with YMCA Dagupan.
September 20, 2019 Seminar-Workshop in Integrative Programming
and Technologies.

CERTIFICATE:

NCII IN COMPUTER SYSTEMS SERVICING

PERSONAL SKILLS:
● Programmer

● Encoder

● Photo Editor

● Computer Technician

Motto: “No matter how many times people try to criticize you, the best revenge is to
prove them wrong”
 72

CENDANA, SYDNEY
Balococ East, Lingayen, Pangasinan
09516346249
[email protected]

_____________________________________________________________________
Objectives: To make use of my interpersonal skills to achieve goals of a company
that focuses on customer satisfaction and customer experience.
_____________________________________________________________________

PERSONAL INFORMATION

DATE OF BIRTH : September 01, 1999

PLACE OF BIRTH : Balococ, Lingayen, Pangasinan
AGE : 22 years old
CIVIL STATUS : Single
HEIGHT :
WEIGHT :
GENDER : Female
CITIZENSHIP : Filipino
RELIGION : Roman Catholic
DIALECT : Tagalog
NAME of FATHER : Jorge P. Sison
OCCUPATION :
NAME of MOTHER : Mary Grace A. Cendaña
OCCUPATION :
EDUCATIONAL ATTAINMENT

COLLEGE: Bachelor of Science in Computer Science

Philippine College of Science and Technology
Old Nalsian Road, Calasiao, Pangasinan
2018 - Present
 73

SECONDARY: Pangasinan National High School

Alvear St., Lingayen, Pangasinan
2012-2018

ELEMENTARY: Balococ Elementary School

Balococ Lingayen, Pangasinan
2006-2012

SEMINAR ATTENDED:

February 1, 2019 Leadership Training and Seminar in

Cooperation with YMCA Dagupan.
September 20, 2019 Seminar-Workshop in Integrative Programming
and Technologies.

February 2, 2022 Mobile App Development Using Flutter.

CERTIFICATE:

NCII IN COMPUTER SYSTEMS SERVICING

PERSONAL SKILLS:
● Programmer

● Encoder

● Photo Editor

● Computer Technician

Motto: “God’s plan is always more beautiful than our desire”