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Chapter 1 INTRODUCTION Background of the Study In business most companies are trying to innovate in the best manner that they can be

Chapter 1
INTRODUCTION
Background of the Study
In business most companies are trying to innovate in the best manner that they can be. Many studies are being conducted to determine the different views regarding wireless finance and how it is being used in the financial transactions of a company. Its concept and how it is being accepted as the easiest way to fulfill financial operations is one of the most challenging part to every company. The efficiency of its financial services, transactions and system are somehow gives an impact to the financial growth of a company.

According to Rosingh et.al., (2001) the next threat to banks is at hand in the form of mobile phone. Europeans have embraced mobile technology with greater enthusiasm than Americans. As wireless technology evolves on its prompt, a strong urge to follow the trend will be at stake for the majority of financial institutions around the world. Wireless Finance’s core attraction is that most financial services are inherently bitable. Yet, in banking industry, it is being highlighted that mobile banking according to most customers it is more reasonable compared to the manual transaction. The relationship between telecoms and their customers also mimics banking relationships.

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While in the Philippines, Lugtu (2015) describe the technology trends in the Philippines during the National Finance Summit which actually gives an impact to finance sector. Lugtu named six trends which are; mobile and frictionless transactions explosion or the mobile payment which is seen to be inflecting this year, a growth in EuroPay MasterCard Visa chip cards, a growth in digital currency usage, a maturation of Omni channel for financial services, capitalizing on big data and a robust cyber security.
In a more particular setting where wireless finance is concern, according to the Press release made by SMART (2015), they have presented loan saver facility made available to all government employees of Davao City. Hence, the loan program is said to be a huge help in the need for loan sharks. This is also the country’s first mobile-based savings, loans, and insurance product that was developed jointly by the Land Bank of the Philippines and Smart e-Money Inc., or (SMI) the digital financial solutions provider arm of wireless leader Smart Communications, Inc. (SMART). The facility was designed to provide borrowers with a loan that is quick, easy and hassle free transactions that goes directly to the lender’s savings account in not less than three working days. Smart e-Money Inc. has been instituting mobile money innovations that will be an aid to all financial institutions who is offering different loan services to all individuals who does not have any savings account at all.

This research study aims to explore and understand the acceptance of consumers towards wireless finance in terms of perceived cost, ease of use, systems quality, usefulness and its social influence. This is to also to attain comprehensive knowledge and further involvement about the given variables when analyzed according to profile of the respondents as stated.

Statement of the Problem
This study aimed to seek the importance of consumer acceptance to wireless finance among RD pawnshop employees in Davao City.

In particular, this study will sought answers to the following questions:
1. What is the profile of the respondents in terms of;
1.1Age
1.2Computer skills
1.3 Mobile technology readiness
1.4 Social influence
1.5 Attitude towards use?
2. What is the level of consumer acceptance to wireless finance among pawnshop employees in terms of;
2.1Perceived cost
2.2 Ease of use
2.3 Systems quality
2.4 Usefulness
2.5 Social influence?
3. Is there a significant difference in the consumer acceptance towireless finance when analyze according to their profile?
Hypothesis
Ho1: There is no significant difference of consumer acceptance to wireless finance in terms of their profile when analyzed.

Review of Related Literature
In this part of the study, are the assemblage of different views and opinions of different author’s base on the related literature. Data were drawn together and combined from different sources; others came from reference book, journals, magazine, and on the internet. All information was accumulated to make consistent and appropriate information that will make this study complete and reliable.

As the rise of technology in this new era is at its peak, most financial institutions are innovating and so as making technology acceptance easily. With its aim for speedy financial transactions, internet banking services takes place. According to Azeem (2012), in some foreign countries the evolution of internet is being experienced and is viewed to be at its highest rate. This is due to the fact that an individual experienced convenience, efficient and hassle-free transactions. An augmentwas also observed in terms of e-banking transactions; ATM transactions; and other banks and financial organizations were also found to be converting other services and engaging into RTO transactions or Real-Time Online Transactions. Along with the increased, it is being scrutinized the rapid increase in plastic cards circulation and usage confirming the efficacy of e-banking or as a wireless technology.
According to the contributed study of Kishore &Sequeira (2016) which refers to the pragmatic analysis on the adaptation of mobile banking, mobile banking happens to be an imperative solution to financial omission with extensive mobile phone coverage. The said solution was opt by the rural government in line with its objective to robust the financial processes and transactions.
Lin (2011), restates that with mobile commerce and financial services visible increases in mobile engagement was due to the rapid innovation in terms of technology integration with mobile acquirement it became significantly necessity to some individuals. Yet, many were into distinguishing the effect it resulted to those who were engage in mobile applications such as mobile banking app. It aims to acquire the degree of recognizable rate as well as the ease when using and its compatibility and competency. The result was drawn resulting to an acceptable rate that respondent’s response positively with mobile banking services.
Perceived Cost. The goal of the present study is not to replicate the UTAUT study Venkatesh and Zhang (2010). Instead, this paper aims to ascertain what factors considerably influence people to adopt mobile banking. Therefore, two additional constructs culled from mobile banking literature were taken into the research structure, which were addressed as follows. As the literature reveals that different scholars employ different perspectives to assess the concern of security, risk, trust, and credibility, the concern has been conceptualized and assessed from a variety of ways that fully depends on which discipline researchers interpret the concern. Given that perceived credibility has been empirically supported and used not only in mobile banking adoption studies the present study uses perceived credibility to represent individual security, privacy, risk, and trust concerns about mobile banking adoption. According to Dineshwar; Steven(2013), perceived risk and reliability were found to be the main obstacles to mobile banking usage in the African country of Mauritius.

As narrated by Buchholzet. al., (2016), Smartphones have become mainstream, including in the healthcare setting. They were aiming to examine smartphone use and perceptions among medical students and physicians in a statewide medical university. Furthermore these data demonstrate smartphone usage is prominent in the health were setting and indicates strong agreement regarding its benefits and barriers. Implementing smartphone education into medical curricula may be beneficial to health were providers.As stated by to Hosseini et al., (2015) in their conclusion after the study of effective factors of the adoption of mobile banking services by consumers, cost of using mobile banking services is another factor in using these services. According to the findings, the costs of purchasing and costs of time is an important factor to persuading the Non-users. For solving this, providing a 24 hours services and with perfect quality will be a good response. Another way in which marketers can address this inhibitor could be to create an impression of low costs by emphasizing the desirable benefits of M?) anting. In this way, cost perceptions will be lowered as customers place a higher value on M-banking.
According to Merchant (2013), in the United States, all inclusive web get to has turned into an idealistic goalpost, similar to widespread human services or all-inclusive equity. Likewise with those different aspirations, they keep running into a huge divider in their advance towards accomplishing it. One-fifth of the country remains disconnected, passing up a major opportunity for vital openings for work, a flourishing center of advanced culture, and YouTube recordings about impaired pets defeating misfortune. Throughout the end of the week, The New York Times analyzed the years-long push by the Obama organization to get the nation’s online holdouts connected to the web. The concentration was a late Department of Commerce report, “Investigating the Digital Nation,” which discreetly laid out the disappointments of Obama’s drive to build availability. Framework upgrades can get them almost, however a few deterrents especially those troublesome social and financial ones are somewhat harder to surmount. The accompanying numbers uncover rather obtusely the tricky condition of the American internet. It begins sufficiently blushing. 98 percent of Americans actually have admittance to the web. What’s more, 90 percent have admittance to rapid web. That implies there are 31 million Americans without rapid web get to and around 6 million Americans with no web access at good at this point. In any case, get to is a certain something, and real availability is another. Throughout the previous five years, the rate of Americans who are associated with the web has leveled at 80 percent. As Merchant (2013) reiterated that there is 63 million Americans that aren’t utilizing the web. That is about where it was before Obama took office and burned through $7 billion on web framework ventures intended to convey broadband to more natives. Furthermore, the way get there is to periodically avail at any rate. 48 percent of Americans without web say they simply don’t need it. This gathering seems, by all accounts, to be to a great extent contained more seasoned individuals who might rather not figure out how to interface with another innovation, for some reason. That is justifiable which is not to have any desire in trying to figure out how to utilize the visual inserts that allows getting to the net everybody’s utilizing to impart 3D feline picture to retinal developments, either. More perturbing is the following gathering: 28 percent of Americans say they can’t bear the cost of the web, and 13 percent say they don’t have a PC adequate to get them on the web. That implies that an entire 41 percent of Americans that aren’t online can’t manage the cost of the web. 26 million Americans can’t manage the cost of the web. That is an issue. Obviously, it’s minorities who are missing out. 76 percent of white family units utilize the web, while only 57 percent of dark families do. As the report brings up, this hastens an appalling self-sustaining cycle. Quite a bit of present day work chasing happens on the web, and many occupations must be legitimately looked into and connected for on the web. Without the web, the effectively distraught are hindered facilitate. Story as old as time: people with cash get the devices to make a greater amount of it, the people without are further underestimated. Merchant (2013) also ranted that it is the Dickens 2.0; that is related to the issue which is financial matters the web is still costly; in my to a great extent common laborers Brooklyn neighborhood, the best accessible web originates from an agonizingly moderate Verizon association. It costs upwards of $50 a month. That is restrictively exorbitant; throughout the year, that is $600. That is an entire month’s lease. What’s more, that is truly run of the mill. Starting at a year ago, the normal cost of web of any speed was about $40 a month over the US, as per a report from the White Fence Index. Contrast that with South Korea, which gives its nationals the quickest web associations on the planet at a cost of $26 a month. Much has been composed about the computerized separate, yet insufficient. There’s a reason that the UN has proclaimed the web a basic human right data get to has since a long time ago joined the positions of vitality, nourishment, water, and medicinal services as a mainstay of advanced cutting edge society. That 26 million nationals of the wealthiest nation on the planet don’t have it is wretched.
Jeong; Yoon (2013), conducted and empirical investigation on consumer acceptance of mobile banking services which is somehow made relevance to the acceptance to wireless finance. It was found out that there is a least square multiple linear regressions were used to assess the relationship between predictors among five independent variables and m-banking adoption intention. However, they added that perceived ease of use has a marginal significance on the intention to adopt m-banking. Their finding suggested that consumers seek a simple, easier, faster process and environment for banking transactions. Jeong; Yoon (2013) reiterated that it has been showed that perceived ease of use is a major determining factor explaining the attitude difference between adopter and those who does not known of the m-banking. Smart phone’s origin has supplied brisk progress of the m-banking and though innate disadvantages were sited with the use of a phone and its characteristic making it more complicated which unsystematically the reasons to consider the perceived ease of use. In relation to this, it is highly encouraged to make coordination between telecommunication companies and financial institutions to make inclusions, friendly user phone characteristics as part of the handset enhancement and alike. This is to stimulate perception that will lead to higher feedbacks towards the ease of use aspect covering all related data pertaining to the m-banking usage. Through this, it will surely be able to achieve rightful quantity of assurance and be able to distinguish the high rate of advantage that they will be able to get.

According to Laird (2011), The Integrated Learning Resource Center or the (ILRC) did not exist in the 70s and by the 80s a couple of understudies were bringing another device called a tablet to class. In the late 90s were introduced the PC lab and as structures went up, miles of hard wire link were rush to interface the PCs to the World Wide Web. By 2000, Liberty met the expansion in PC request with a concentrated PC lab and new remote innovation that made a monstrous web of concealed signs covering the grounds. In the course of recent years Liberty has been working always to give understudies the best remote association on grounds conceivable. The work that goes ahead off camera so as to keep the web simple gets to regularly goes unnoticed unless there is a glitch. In 2008, the grounds changed over to Bradford Endpoint Compliance System from Cisco Clean Access. This change dispensed with the requirement for understudies to continually enter their data into their PCs keeping in mind the end goal to get to the web. Yet, Laird (2012) reiterates that, Bradford is the framework which gives insurance to understudies against potential PC infections. This specific framework is essentially less tedious for understudies to use than Cisco Clean Access. Understudies just need to experience the means to interface with the web on an uncommon event instead of each time they have to get on the web. Understudies are additionally ready to sign onto the system through visitor mode, a way that permits transitory web access without requiring the common strides required in the association procedure. The grounds are at present going in the vicinity of 95 and 98 percent remote, which is given through Aruba. The areas that do not have remote access get to incorporate spots that understudies don’t normally require association, for example, the book shop parking area, as per Zealand. More than 700 get to focuses have been deliberately situated all through the grounds so as to give understudies a positive remote ordeal. Every get to indicate can give benefit a most extreme of 35 understudies, as indicated by Zealand. What understudies don’t understand is that as iPads, iPhones, Androids and other comparative innovation starts to increment in fame, the requirement for remote get to increments too. An understudy with a portable PC and an iPhone require the utilization of two of the 35 spots accessible for remote association. As innovation keeps on changing, the college has been working continually to stay aware of the understudies’ needs around there. The get to focuses introduced around grounds show up as little boxes mounted to the dividers or the roof in the range needing remote association.
As being reiterated by Laird (2012). Regions, for example, the patio and the garden around the Prayer Chapel have remote web through the get to focuses situated in the structures encompassing them. The association may fluctuate in spots, for example, these relying upon the measure of clients and the separation to the closest get to point. The Information Technology office sets aside the opportunity to audit the quantity of clients on every get to pointon a month to month premises. This permits the division to include or evacuate the get to focuses in view of free market activity.According to Morgan Jacob, 2014 The “Internet of things” (IoT) is turning into an inexorably developing edge that is present internally and external setting. The whole thing can make a difference in the manner of how we do interaction. Be that as it may, what precisely is the “Web of things”.

Ease of Use. Loads of specialized and arrangement related discussions are being had yet many individuals are still quite recently attempting to get a handle on the establishment of what the hell these discussions are about. Broadband Internet is turned out to be all the more generally accessible, the cost of interfacing is diminishing, and more gadgets are being made with Wi-Fi abilities. These things are making a “flawless tempest” for the IoT. Basically, this is the idea of essentially interfacing any gadget with an on and off change to the Internet (as well as to each other). This incorporates everything from cellphones, espresso producers, clothes washers, earphones, lights, wearable gadgets and nearly whatever else you can consider. This likewise applies to segments of machines, for instance a fly motor of a plane or the penetration of an oil fix. As I specified, on the off chance that it has an on and off switch then possibilities are it can be a part of the IoT. The investigator firm Gartner (2010) says that by 2020 there will be more than 26 billion associated gadgets. That is a great deal of associations The IoT is a monster system of associated things. The relationship will be between human individuals and human things. The new lead for what’s to come will be, “Anything that can be associated, will be associated.” But why in the world would you need such a large number of associated gadgets conversing with each other? There are numerous cases for what this may look like or what the potential esteem may be. Say for instance they are headed to a meeting; their auto could have admittance to their logbook and right now know the best course to take. On the off chance that the activity is overwhelming their auto may send content to the next gathering advising them that they will be late. Consider the possibility that their office gear knew when it was running low on provisions and consequently re-requested more. Imagine a scenario where the wearable gadget they utilized as a part of the working environment could let them know when and where them were most dynamic and beneficial and imparted that data to different gadgets that they utilized while working.

According to Khan (2014), Ease of use is of most extreme significance with regards to planning versatile applications. Portable application organizations ensure how they make their User Interface and User Experience. Customarily the two terms are utilized equally; be that as it may, both have particular ideas. Where UI is the center interface, with the catches, menus and dropdowns (the different parts) that interface amongst clients and applications, UX is more stifled and has more to do with the instinctive outlining as to what the client goes over. It is the distinction between being sufficiently infectious for the client to remain on their site/application and being mundane to the point that the client chooses to overlook their page/application. Portable application organizations enlist isolate experts to carry out the employments of UI and UX, in spite of the fact that they need to work in conjunction with each other on the application advancement prepare. Some application engineers might be capable in both sorts of outlining, sparing costs for the individuals who need to contract such experts.

As mentioned by Bhatt (2016), exploratory factor analysis (EFA) was performed and it was found that all the items carried an eigen value of more than 1. As for the significance aspects of the study were being maintain. Factor 1 has an eigen value of 5.602 and has five variables clubbed under it. The objective of this paper is not to imitate other previous studies but instead will try to determine underlying factors that could possibly hinders an individual to engage and accept mobile banking Venkatesh & Zhang (2010).
To give a specific supplementary construct extracted from citation of related literature of mobile banking some were being taken into consideration for further analysis as part of the research, are as follows; viewed and exposed the unusual literature to appraise issues regarding safeness, hazard, expectation, and trustworthiness., it has been identified with the conceptualization made that the following approach and was considered to be dependent on the researchers means to construe the issue. According to Dineshwar & Steven (2013), the mentioned factor and trustworthiness were being viewed as the primary challenge in relation to using mobile banking in the country of Mauritius in African. As narrated by Buchholz (2016), Smartphone have become a mainstream, including in the healthcare setting.
To determine the performance of the other medicinal technology using mobile, there has been an official investigation being held. They were aiming to examine smartphone use and perceptions among medical students and physicians in a statewide medical university. This finding is in line with a study conducted by Singh (2012), which states that factors influencing customer perceptions of mobile banking can be labeled as security/privacy, reliability, efficiency and responsiveness.

Ehteshami et al. (2013), states that numerous feedbacks are found to be constructive with regards to the usage of mobile banking that is seen to have health related issues. In such claim, preponderance of the contributors knew that with the usage of mobile phones provides utility as to recognize knowledge about health, to increase public notice regarding ailments that is transferable, mentoring others about drug refusals and encourage people to be cure. In such study, other views were also being considered, for some instances high response was set then by some students under engineering field. This could possibly mean that other features present in mobile technology are useful and applicable with the designing capability of those engineering students and other related activity. With such application, those students are more easily get familiar with and are continuously aware of what is happening around them with the use of mobile phones, as well as other phases being developed. The comparisons between students are insufficiently unable to site supporting claims and related studies. The awareness about mobile health technology among medical students was reported to be 54.4% in a previous study.
Social Influence. As expressed by Shingles et al., (2016), as strategic discussions increasingly focus on how business can evolve and capitalize on new innovation, it is important to recognize the enhanced role companies should play in the responsible use of disruptive technologies. Their challenge will be finding ways to design and architect models for driving transformative change and positive social impact—both for philanthropic good and for more commercial purposes. Above all,restrictions and consideration is atleast expected accompanied with moral principles with making use of an applied technologies most especially when it comes to customary threat regarding safety measures, confidentiality, authoritarian, fulfillment, protection and excellence.

As described by BSR (2012), CTIA—The Wireless Association indicated the Wireless technology has been at the forefront of a technological revolution that has materially improved the lives of many people. The rapid development and deployment of this technology, coupled with its ability to reach almost everyone, anywhere, through applications and services that can improve lives around the world is unprecedented. It is vividly clear that in the near future, wireless technology is expected to be constantly aiding in the community’s progress. While this report examines the benefits in health care, the financial sector, education, and community empowerment, the possibility for positive social impact and transformational social change is endless. With the wireless gadget is making its expansion aligned with the advancement of mobile technology lingers with improvement given to the society is said to set and anticipated to get better; wireless technology will help society beyond what we can currently imagine—perhaps by creating entirely new economies and micro-economies that generate hundreds of thousands of new jobs, by reducing crime in impoverished neighborhoods, or by enabling new ways to meet basic needs. Quite literally, the sky is the limit. What has been done so far is staggering; what can be done in the future is almost inconceivable. It will inevitably be experienced as an urge will be felt with systems parts to be used for wireless technology, the outcome for this will relatively affect the law of supply and demand which will eventually occur as to fabricate products to be use for the said technology. And with regards to the changes happened and manufacturing firms were expected to implement norms governed. Yet consumers will depend upon the usage of the gadget for private necessity and it is highly recommended that there is a sense of cautious that must be implemented. Those disputes can be addressed with a sturdy management, mutual joint venture between private entities, the government and even the society. It is more likely that the government mandate all necessary policy that will protect consumers and the people of the society at large. Provided that firms that is engaged with developing technology related products and services with high sense of obligation and full responsibility. And in reciprocate, consumers also are expected to be vigilant in terms of availing online services such as e-banking and alike.

According to Future Foundation in association with Monitise (2012), there is an increase in the use of smart phones will lead to an increase in the adoption of embanking by most customers in the next few years. Therefore it is said to believe that tertiary students in general are potential prospective users of m-banking services. Most users of online banking are relatively young and possess an understanding of the use of computers and more importantly the Internet. These characteristics are typical of Information Systems students hence sooner or later they are likely to be customers of m-banking business, that is if they have not already adopted the technology. Not many studies have focused on undergraduate students’ adoption of m-banking. It is being identified that the primary users of m-banking are aged between 25 and 34 years old, who generally place great value on the efficient use of time. The usage of mobile apps provides an overwhelming experience to its patrons with a high response towards security issues of m-banking.

According to Queensland Government, 2016 While some entrepreneurs incline toward manual record keeping frameworks, most organizations utilize an electronic record keeping framework – making it less demanding to catch data, create reports and meet assessment and legitimate reporting necessities. Numerous concerns had to be considered when setting up an electronic or manual record keeping framework, as each has certain focal points and constraints. Electronic records keeping most organizations utilize bookkeeping programming projects to improve electronic record keeping, and create important reports. There are numerous different favorable circumstances to utilizing electronic record keeping, as recorded underneath. Electronic reinforcement Set up a protected electronic reinforcement framework to guarantee records are securely hidden away routinely moved down. Day by day reinforcements are prescribed, especially for critical records. Ensure the reinforcement duplicates are put away in a different area to their business if there should be an occurrence of flame, robbery or a characteristic fiasco. For private companies, the least expensive reinforcement alternatives are CDs and memory sticks. On the off chance that their business has a lot of information, outer hard drives are a prevalent reinforcement alternative. Distributed computing gives a route to their business to deal with their registering assets and records on the web. The term has developed over late years, and can be utilized to portray the utilization of an outsider for their capacity and registering needs. Cloud reinforcement administrations are turning out to be more famous and can be mechanized for their benefit, however they ought to ensure the technique they pick secures the protection and security of their business and clients.

According to Gant (2012), the relationship between mobile banking accessibility and higher performing smaller micro-finance institutions(MFI’s) clarified a few ways which the versatile managing an account may bring down the exchange cost of reimbursing advances, which means those needy individuals can without much of a stretch make installments. Customers are no longer to fly out any longer just to execute to the branches of banks or alternate organizations which can spare their minute in time and pay.

According to Echchabi (2011),the fundamental reason for this paper is to concentrate the future prospects of web based managing an account in Morocco, in view of the innovation acknowledgment show, by analyzing the aim of the Moroccan clients to receive internet keeping money and the elements that impact it. The poll utilized as a part of this review was circulated to 300 Moroccan banks’ clients, and the information assembled were then broke down utilizing basic condition displaying. The outcomes show that apparent usability impacts the apparent value of web based managing an account, and both the factors affect the state of mind towards web based saving money. The last further affects the expectation to embrace internet saving money benefits in Morocco. Besides, the invariance investigation demonstrated that the impact is diverse for male and female clients. It is important this is the principal study to be directed on internet managing an account benefits in Morocco. Quite literally, the sky is the limit. What has been done so far is staggering; what can be done in the future is almost inconceivable. But these advancements do not come without costs, some of which were well understood while others might yet lurk the shadows. Firms is expected to retained innovative idea to be construct and create newly advanced technology that could support the consumers and the entire society.
Theoretical / Conceptual Framework
The first and widely accepted Technology Acceptance Model (TAM) was proposed by Davis (1989). The said theoretical model helps, explains, and predicts the behaviors of the consumers of information technology. TAM is an influential factor of the the theory of reasoned action (TRA). TAM explains why a user will accept or reject information by adapting TRA. It provides basis with which one traces an external variables influence their beliefs, attitudes, and intention upon use. The use of actual technology system is influenced directly or indirectly by usefulness, ease of use, perceived cost, systems quality and social influence.

In Figure 1, it shows the overview of the study.

Perceived cost
Ease of use
Systems quality
Usefulness
Social influence
Main Variable

Profile of the Respondents
Age
Computer skills
Mobile technology readiness
Social influence
Attitude towards use
Moderating Variable
Figure 1. The Conceptual Framework of Consumer Acceptance to Wireless Finance
Significance of the Study
The result of this research will be essential and beneficial to a particular group of people of different walks of life. The study shall benefit the following;
Teachers and Faculty Members. The product of this research will also be of assistance to faculty members in improving their teaching methods through the relevant information provided in this research.

Members of a Society. This study will be an aid in this particular group in terms of identifying the different approach and application in terms of financial management and alike, as well as to allow them to know other considering factors in relation to the consumer acceptance of wireless finance as the main theme.

Financial Management Students. The study’s final output may benefit financial management students in obtaining further information about their chosen program and will serve as a guide in enhancing their knowledge towards the course.
Future Research. In conducting a research, the outcome of this study will be an aid to all future researchers who wanted to conduct the same interest for relevant information are clearly stated herein.

Definition of Terms
The list of words and terminologies stated below are being defined and interpreted according to how that particular word or phrase is being used in this study, the following were;
Consumer Acceptance. In this study researchers made use of this word to describe a certain manner from a certain group of people that accepts and understand the value and importance of wireless finance as a medium in financial operations.

Wireless Finance. In this study the word was being used to describe the finance system with the intervention from the technology.

Pawnshop Employees. In this study the word refers to an individual who works at a pawnshop that facilitates pawn appraisals, money remittance and claim while at the same time dispenses cash to clients.

Chapter 2
METHOD
In this chapter were enumerated the significant data containing research design, research respondents, research instrument, what manner is being used in extracting information and also the statistical treatment of data was also being elaborated.
Research Design
In doing this research, a descriptive type of method was being used. This is easier to segregate present condition or issues which may have dissimilar format. According to Valdehueza ; Mahilum (2010), the descriptive method occupies assortment of data in order to assess the hypothesis by providing a survey questionnaire.
Research Respondents
To obtain right quantity and relevant data, respondents was profiled according to their age, computer skills, mobile technology readiness, social influence and attitude towards use of technology regardless of its age, sex, marital status and educational attainment. These respondents were the pawnshop employees of RD Pawnshops in Davao City. There were a total 50 respondents from which the survey was given so as to achieve the right and important information about their consumer acceptance to wireless finance as pawnshop employees. Through this it easily attested that whether there was a manner to accept or reject the hypothesis of this study.

Research Instrument
A composition of classified questionnaire was the main instrument to used in this study. These were consisted of 2 parts and has 25 meaningful and guided questions that was already been validated by Prof. Rosalia T. Gabronino, Dean Vicente Montano and Prof. Liza Salvador and then over-all mean of 3.8 with description of highly accepted. Part 1 will state the general information of the respondents which will include the name, age, gender, educational attainment and civil status and so as the proper way of answering of the questionnaire were also highlighted. The 25 questions were specified in the Part 2 of the questionnaire, this will deal with the age, computer skills, mobile technology readiness, social influence and attitude of the respondents. Blanks spaces will also be included to encourage respondents to state other points of view or remarks.

Range Exact Limit Descriptive Level Interpretation
4.50 – 5.49 5 Very Highly Accepted This indicates that there is a very high acceptance to wireless finance.

3.50 – 4.49 4 Highly Accepted This indicates that there is high acceptance to wireless finance.

2.50 – 3.49 3 Accepted This indicates that there is an acceptance to wireless finance.

1.50 – 2.49 2 Rarely Accepted This indicates that there is a rarely acceptance to wireless finance.

1.00 – 1.49 1 Not Accepted This indicates that there is no acceptance to wireless finance.

Data Gathering Procedure
In order for the researchers to successfully achieve the accuracy of
data gathering, the following procedures have been executed;
Permission to conduct study. Prior to initiate the survey researcher had seek for an approval, permits and letters are being constructed to ask permission to officially start conducting the study.

Validation of survey questionnaire. The survey questionnaire was already subjected for a thorough evaluation by prescribed validators prior to distributing it to the respondents.

Administering the survey. With proper letters and permit furnished by researchers, researchers personally executed and administered the data gathering and collected the same after respondents provided answers to the questions stated in the questionnaire.

Interpreting the data. Researchers collected the sampling and encoded it in a spreadsheet format and recorded the final count and it was subjected for interpretation based on the main objective of this study.

Statistical Treatment of Data
The following statistical tool will be the best mean that will be employed in this study:
Mean. Was used in determining the consumer acceptance of wireless
finance.

Frequency and Percentage. Was used in determining profile of
respondents.

ANOVA or Analysis of Variance. Was used to determine the significant difference on consumer acceptance among pawnshop tellers when analyzed according to profile.

Chapter 3
PRESENTATION AND ANALYSIS OF FINDINGS
In this part of the research stated the chapter wherein presentation and analysis of findings were indicated as well as tables and other data were also provided for precise comprehension of the study.

There were 50 respondents surveyed, all were pawnshop tellers of selected RD pawnshop branches in Davao City. Respondents were identified and profiled base on their age and through their computer skills, mobile technology readiness, their social influences and their attitude towards its usage. The sampling indicated information about wireless finance as the main variables while the profile of the respondents serves as the moderating variable.

Profile of the Respondents
The respondents counted as 50 which is tabulated as 100% and as far as age is concern, the breakdown per age bracket were as follows; 54% or 27 out of 50 aging 18 to 25 years, 30% or 15 out of 50 respondents were 26 to 35 years old, 6 out of 50 or 12% of the count were 36 to 45 years old and the remaining 2 out of 50 or the 4% were 46 to 55 years old making it the 100% of the count. The complete profiles of the respondents were base on their individual capabilities towards different factors mentioned in this study. As far as computer literacy is concern, majority of the count composed of 48% or 24 out of 50 were internet enthusiast. The other percentage that composes the 12 out of 50 respondents or 24% of the tally was knowledgeable about multi-media. The other 16% or 8 out of 50 are relying on the email and the remaining 12% or the 6 respondents out of 50 are database educated making it a total of 100% or 50 respondents. In terms of mobile technology readiness 70% or the 35 out of 50 respondents possess tablet computers and the other half which is the 30% or the 15 respondents out of 50 has notebook computers. The remaining characteristics which make the complete profile of the respondents include social influences to access online banking. 72% of the respondents or the 36 out of the 50 respondents responded that they were influence through the advertisements they viewed on the websites, while the other 22% or the 11 out of 50 respondents said that they were influenced with the information they heard on the radio and the remaining 6% or the 3 out of the 50 respondents answered that they were being influenced by the celebrities. Final characteristic of the respondents were labeled as their attitude towards the usage of the mobile technology, the highest percentage of 70% or the 35 out of the 50 respondents replied that they uses mobile technology to look for an information about a job or simply doing a job hunting activity while the 10% or the 5 out of 50 respondent confirmed that they rely on the use of mobile technology to find for a real estate listings and the 8% or the 4 respondents out of 50 said that they uses mobile technology to access mobile banking which is equivalent to the other 4 respondents that said that they just simply uses mobile technology to look for other information. The complete tabulated data were elaborately discussed together with the corresponding percentage of respondents; yet the initial findings stipulated in this section were computed base on the execution of the survey.

Table 1
Profile of Respondents
Frequency Percentage
Age 18-25 years old 27 54%
26-35 years old 15 30%
36-45 years old 6 12%
46-55 years old 2 4%
56 years old above 0 0%
Total 50 100%
Computer Skills Word Processing 0 0%
Multi-media 12 24%
Internet 24 48%
Email 8 16%
Database 6 12%
Total 50 100%
Mobile Technology Readiness
Smartphone 0 0%
Cell phones 0 0%
Desktop/Laptop 0 0%
Notebook Computers 15 30%
Tablet computers 35 70%
Total 50 100%
Social Influence
Heard from friends 0 0%
Saw on TV 0 0%
Heard on Radio 11 22%
Advertisement from websites 36 72%
Influence by celebrities 3 6%
Total 50 100%
Attitude Towards Use Looking for information 4 8%
Online Banking 4 8%
Look up real estate listings 5 10%
Look up information about a job 35 79%
Get educational content 2 4%
Total 50 100%
The Level of Consumers Acceptance to Wireless Finance among RD Pawnshop Employees in terms of Perceived Usefulness
In table 2 shows the acceptance of wireless finance among RD Pawnshop Employees in Davao City in terms of the level of usefulness. The study tries to determine the level of usefulness among the RD Pawnshop Employees in Davao City. Particularly in using the internet can make one productive (3.68) which is the highest. As indicated by Khraias (2013 Today, through web based managing an account, clients could direct an extensive variety of saving money benefits electronically, whenever and anyplace .By offering web keeping money administrations, customary monetary organizations try to offer lower operational expenses enhance purchaser saving money administrations, hold buyers and extend offer of client .

However, the acceptance of wireless finance in terms of usefulness in WAP technology enables me a faster accomplishment of task (3.16) got the lowest mean. According to Hayashi (2012), Wireless Application Protocol (WAP) permits the customer to sign on to the installment supplier’s site through a portable web program or an application that can be downloaded and introduced on the cell phone.

Overall, the respondents said that they are accepted (3.37) with their level of acceptance of wireless finance in terms of usefulness.

Table 2
The Level of Consumers Acceptance of Wireless Finance among RD Pawnshop Employees in Davao City terms of Usefulness
USEFULNESS MEAN DESCRIPTION
1. Using the internet can make one
productive. 3.68 Highly Accepted
2. The internet can make things easier.

3.56 Highly Accepted
3. Internet is accessible to everyone.

3.20 Accepted
4. WAP technology enables me a faster
accomplishment of tasks 3.16 Accepted
5. The internet is of great help with financial
transactions. 3.26 Accepted
Overall Mean 3.37 Accepted
The Level of Consumers Acceptance of Wireless Finance among RD Pawnshop Employees in terms of Ease of Use
In table 3 shows the acceptance of wireless finance among RD Pawnshop Employees in Davao City in terms of the level of ease of use. The study tries to determine the level of ease of use among the RD Pawnshop Employees in Davao City. The respondents in the area of learning to use the internet is easy (4.06) said that they are very highly accepted. As per Ma et.al, (2013), clients don’t have to invest mass of energy and push to figure out how to utilize the Internet administrations. Thusly, saw convenience is a predecessor of consumer loyalty with internet managing an account.

Furthermore, there are two who got the lowest mean which are the mobile app is a user- friendly interface and the mobile app buttons are clear and visible (3.34). According to Rakestraw et al. (2013), the interesting parts of the business are talked about as far as how they have supported the far reaching ubiquity of smartphones and other mobile devices. An application can enhance the way existing clients utilize an item. Insurance agencies, banks, computer game studios, and a plenty of different organizations effectively are seeking after this plan of action with awesome achievement. Nonetheless, if the application does not incorporate itself consistently with the business’ plan, it could have constrained viability
Generally, the respondents said that they are highly accepted (4.06) with their level of acceptance of wireless finance in terms of ease of use.

Table 3
The Level of Consumers Acceptance of Wireless Finance among RD Pawnshop Employees in terms of Ease of Use
EASE OF USE MEAN DESCRIPTION
1. Learning to use the internet is easy.

4.06 Highly Accepted
2. Using the internet is clear and
understandable. 3.94 Highly Accepted
3. It is easy to become skillful at using the
internet. 3.90 Highly Accepted
4. The mobile app is a user-friendly
interface. 3.34 Accepted
5. The mobile app buttons are clear and
visible. 3.34 Accepted
Overall Mean 3.72 Accepted
The Level of Consumers Acceptance of Wireless Finance among RD Pawnshop Employees in terms of Perceived Cost
In table 4 shows the acceptance of wireless finance among RD Pawnshop Employees in Davao City in terms of the level of perceived cost. The respondents said that they are very highly accepted in terms of cannot afford internet for personal use (4.22), do not have the money to get internet access(4.02), the ability to save on travel costs (3.98) ability to save money (3.98). Furthermore, the respondents said that they accepted the view of having available discounts when using the mobile app in paying bills (3.90).

In the article of Oskam & Boswijk (2015), while the underlying web-driven activities in “social travel” spun around the brave and selfless inspirations of offering individuals a place to stay. Individuals have gotten comfortable with the web of correspondence. Individuals are moving to a web of vitality and one of dispersion. Three stages that are moving in the meantime to an Internet of Things and towards a zero cost based society cause a tremendous interruption. The decision is basically propelled by sparing expenses and just barely by the experience.

Generally, the respondents said that they are highly accepted (3.90) with their level of acceptance of wireless finance in terms of perceived cost.

Table 4
The Level of Consumers Acceptance of Wireless Finance among RD Pawnshop Employees in terms of Perceived Cost
PERCEIVED COST MEAN DESCRIPTION
1. Do not have the money to get Internet
access. 4.02 Highly Accepted
2. Cannot afford internet for personal use.

4.22 Very Highly Accepted
3. Ability to save money.

3.94 Highly Accepted
4. There are available discounts when using
the mobile app in paying bills. 3.34 Accepted
5. Ability to save on travel costs.

3.98 Highly Accepted
Overall Mean 3.90 Highly Accepted
The Level of Consumers Acceptance of Wireless Finance among RD Pawnshop Employees in terms of Systems Quality
In table 5 indicates the acceptability of the respondents in terms of the level of system quality among the wireless finance. Overall, the respondents said that they are highly accepted in terms of system quality with a mean of (3.11). In the perception of system quality the respondents are highly accepted in all the areas the speed of connection between WAP phones and the internet is satisfying (3.28), provides strict and lastly, having an easy access buttons (3.28).

According to Khraim (2015), while different types of search engine marketing (SEM) target paid postings. Search Engine Optimization is a showcasing technique that makes a difference in improving organization site nearness. It is likewise characterized as the way toward recognizing elements in a site page which would affect web crawler availability to it and calibrating the numerous components of a site so it can accomplish the most astounding conceivable perceivability when a web crawler reacts to an important inquiry. Search Engine Optimization (SEO) is an orderly way to deal with enhancing the enrollment site on the Internet unpaid wage, and concentrate on the quantity of guests to the website.

Table 5
The Level of Consumers Acceptance of Wireless Finance among RD Pawnshop Employees in terms of Systems Quality
SYSTEMS QUALITY MEAN DESCRIPTION
1. Provides strict terms of security.

3.00 Accepted
2. Ability to access price or market
information. 2.86 Accepted
3. The speed of connection between WAP
phones and the internet is satisfying. 3.28 Accepted
4. Has an easy access buttons.

3.08 Accepted
5. Provide back-up of saved
transactions. 3.32 Accepted
Overall Mean 3.11 Accepted
The Level of Consumers Acceptance of Wireless Finance among RD Pawnshop Employees in terms of Social Influence
In table 6 indicates the acceptance of wireless finance of the respondents in terms of the level of social influence. Overall, the respondents said that they are highly accepted in terms of social influence with a mean of 3.74. In the social influence, the respondents are highly accepted in all the areas of: (3.94), people should adopt the internet (3.90), Ability to maintain relationships with family and friends (3.36), Lastly, your friends and relatives encourage you to use WAP services.(3.97) .

As indicated by Castells (2014), individuals, organizations, and establishments feel the profundity of this mechanical change, yet the speed and extent of the change has set off all way of idealistic and tragic discernments that, when analysed firmly through methodologically thorough experimental research, turn out not to be exact. For example, media frequently report that exceptional utilization of the Internet expands the danger of seclusion, distance, and withdrawal from society, yet accessible proof demonstrates that the Internet neither disengages individuals nor diminishes their friendliness; it really builds amiability, community engagement, and the force of family and fellowship connections, in all societies.

Table 6
The Level of Consumers Acceptance of Wireless Finance among RD Pawnshop Employees in terms of Social Influence
SOCIAL INFLUENCE MEAN DESCRIPTION
1. People should adopt the internet.

3.94 Highly Accepted
2. Ability to maintain relationships with family
and friends. 3.90 Highly Accepted
3. Social status/recognition in the community. 3.76 Highly Accepted
4. Encouraged by friends and relatives to use WAP services. 3.36 Accepted
5. The bank is encouraging people to use
wireless finance. 3.38 Accepted
Overall Mean 3.67 Accepted
Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Age
In the Table 7 shows the F – test was used to determine if there were a significant difference in the level of consumer acceptance to wireless finance when respondents were grouped according to their age, the indicators of the level of consumer acceptance to measure to determine if there were significant differences in the area of perceived cost the F – test of 11.13 shows that there were significant differences exist. In the area of ease of use the F – test value of 38.3 shows that there were significant differences exist. Further in the area of systems quality the F – test of 0.96 shows that there were no significant differences exist. In addition, the F – test 0.96 means that there were significant differences exist. Therefore there is a manner to accept the HO or the hypothesis. Further, in the indicator of social influences the result of F – test which is 0.65 shows that there were no significant differences exist.

Table 7
Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Age
Age
Indicators N Mean Std. Deviate F Significant Decision on Ho
Cost
Total 15
35
50 3.48
4
3.884 0.38396
0.49229
0.51791 13.226
0.001 Reject
Ease
Total 15
35
50 3.2267
3.9257
3.716 0.1831
0.58226
0.59121 20.531 0 Reject
Quality
Total 15
35
50 2.9467
3.1771
3.108 0.43731
0.70922
0.64423 1.354 0.25 Accept
Useful
Total 15
35
50 3.2
3.4457
3.372 0.37796
0.49961
0.4764 2.902 0.095 Accept
Social
Total 15
35
50 3.7067
3.7914
3.766 0.29147
0.52265
0.46406 0.346 0.559 Accept

Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Computer Skill
In the Table 8 shows the F – test was used to determine if there were a significant difference in the level of consumer acceptance to wireless finance when respondents were grouped according to their computer skills the indicators of the level of consumer acceptance to measure to determine if there were significant difference in the area of perceived cost the F – test of 1.86 shows that there were no significant differences exist. In the area of ease of use the F – test value of 7.5 shows that there were significant differences exist. Further in the area of systems quality the F – test of 3.9 shows that there were significant differences exist. In the addition, the F – test 1.15 means that there were no significant differences exist in the area of usefulness. Further, in the indicator of social influences the result of F – test which is 1.45 shows that there were no significant differences exist.

Table 8
Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Computer Skills
Computer Skills
Indicators N Mean Std. Deviate F Significant Decision on Ho
Cost
Total 11
36
3
50 3.5636
3.9056
4.1333
3.844 0.45447
0.51821
0.46188
0.51791 2.475 0.095 Accept
Ease
Total 11
36
3
50 3.4727
3.7778
3.8667
3.716 0.55334
0.61184
0.23094
0.59121 1.237 0.3 Accept
Quality
Total 11
36
3
50 3.2364
3.1333
2.3333
3.108 0.32023
0.68951
0.57735
0.64433 2.57 0.087 Accept
Useful
Total 11
36
3
50 3.6182
3.2833
3.5333
3.372 0.22724
0.50455
0.57735
0.4764 2.393 0.102 Accept
Social
Total 11
36
3
50 3.7273
3.7167
4.5
3.766 0.50812
0.42258
0
0.46406 4.578 0.015 Reject

Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Mobile Readiness
In the Table 8 shows the F – test was used to determine if there were a significant difference in the level of consumer acceptance to wireless finance when respondents were grouped according to their mobile readiness. The indicators of the level of consumer acceptance to measured to determined if there were significant differences in the area of perceived cost. The F – test of 13.2 result shows that there were significant difference exist. In the area of ease of use, the F – test value of 20.5 shows that there were significant difference exist. Further in the area systems quality the F-value of 1.35 shows that there were significant difference exist. In addition, the F – test 2.9 means that there were no significant differences exist in the area of usefulness. Further , in the indicator of social influences the result of the F – test which is 0.35 shows that there were no signific differences exist.

Table 9
Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Mobile Readiness
Mobile Readiness
Indicators N Mean Std. Deviate F Significant Decision on Ho
Cost
Total 27
15
6
2
50 4.1407
3.5867
3.3333
3.3
3.844 0.46015
0.37391
0.1633
0.14142
0.51791 11.128 0 Reject
Ease
Total 27
15
6
2
50 4.163
3.1867
3.2
3.2
3.716 0.42621
0.15976
0.21909
0.28284
0.59121 0.96 0 Reject
Quality
Total 27
15
6
2
50 3.1704
2.8933
3.2333
3.5
3.108 0.7702
0.47127
0.29439
0.42426
0.64423 6.678 0.42 Accept
Useful
Total 27
15
6
2
50 3.5037
2.9867
3.6
3.8
3.372 0.49729
0.2774
0.21909
0
0.4764 6.678 0.001 Reject
Social
Total 27
15
6
2
50 3.7852
3.6467
3.9333
3.9
3.766 0.58553
0.21336
0.33267
0.14142
0.46406 0.647 0.589 Accept

Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Social Influences
In the Table 10 shows the F – test was used to determined if there were a significant difference in the level of consumer acceptance to wireless finance when respondents were grouped according to their social influences, the indicators of the level of consumer acceptance to measured the determine if there were significant difference in the area of perceived cost the F – test was 2.48, this shows that there were no significant difference exist. In the area of ease of use, the F – test value of 1.24 also shows that there were no significant differences exist. Furthermore in the area of systems quality the F-value of 2.57 shows that there were no significant differences exist. In addition, the F – test 2.39 means that there were no significant differences exist in the area of usefulness. Further, in the indicator of social influences the result of F – test which is 4.58 shows that there were significant differences exist.
Table 10
Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Social Influences
Social Influences
Indicators N Mean Std. Deviate F Significant Decision on Ho
Cost
Total 12
24
8
6
50 3.7333
3.7417
4.1
4.1333
3.844 0.42923
0.51577
0.59522
0.46762
0.51791 1.864 0.149 Accept
Ease
Total 12
24
8
6
50 3.4
3.5667
4.225
4.2667
3.716 0.34112
0.59758
0.45904
0.3266
0.59121 7.5 0 Reject
Quality
Total 12
24
8
6
50 2.7167
3.25
3.5
2.8
3.108 0.59365
0.55404
0.61412
0.72664
0.64423 3.896 0.015 Reject
Useful
Total 12
24
8
6
50 3.2333
3.3833
3.325
3.6667
3.372 0.37979
0.54666
0.41318
0.37238
0.4764 1.145 0.341 Accept
Social
Total 12
24
8
6
50 3.7833
3.8458
3.4625
3.8167
3.766 0.32427
0.44816
0.65452
0.41673
0.46406 1.445 0.242 Accept

Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Attitude towards its usage
In the Table 11 showsthe F – test was used to determined if there were a significant difference in the level of consumer acceptance to wireless finance when respondents were grouped according to their attitude towards its usage, the indicators of the level of consumer acceptance to measured the determine if there were significant difference in the area of perceived cost the F – test was 2.93, this shows that there were no significant difference exist. In the area of ease of use, the F – test value of 2.33 also shows that there were no significant differences exist. Furthermore in the area of systems quality the F-value of 0.80 shows that there were no significant differences exist. In addition, the F – test 3.03 means that there were significant differences found in the area of usefulness, while the f- test value in the area of social influences indicates a 0.75 means that there were no significant differences found.

Table 11
Significant Difference of Consumer Acceptance to Wireless Finance among RD Pawnshop Employees when analyzed according to Respondent’s Attitude towards Use
Attitude Towards Use
Indicators N Mean Std. Deviate F Significant Decision on Ho
Cost
Total 4
4
5
35
2
50 3.35
3.3
3.96
3.9257
4.2
3.844 0.19149
0.11547
0.43359
0.52711
0.28284
0.51791 2.928 0.031 Reject
Ease
Total 4
4
5
35
2
50 3.3
3.1
3.96
3.7771
4.1
3.716 0.2
0.2
0.498
0.61696
0.14142
0.59121 2.325 0.071 Accept
Quality
Total 4
4
5
35
2
50 3.1
3.5
3.08
3.1029
2.5
3.108 0.2582
0.2582
0.30332
0.72172
0.70711
0.64423 0.806 0.528 Accept
Useful
Total 4
4
5
35
2
50 3.5
3.8
3.44
3.2571
4.1
3.372 0.2
0
0.32863
0.49127
0.14142
0.4764 3.003 0.028 Reject
Social
Total 4
4
5
35
2
50 3.825
4.025
3.54
3.7486
4
3.766 0.35
0.20616
0.68044
0.45528
0.70711
0.46406 0.748 0.565 Accept

Chapter 4
SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
In this part of the research has indicated the final chapter that contains all the summed up information and collaborative ideas of the researchers. This section includes the review, conclusions and recommendation of the study.
The core purpose of this research was to obtain the level of consumer acceptance to wireless finance among pawnshop tellers. This is also to sort out different levels related to the subject matter. This research was reviewed and examined by experts provided with the appropriate methods used to extract precise data that showcase the level of consumer acceptance to wireless finance.

Summary of Findings
Listed below are the following findings of the study;
Profile of Respondents – as per age bracket ages 18 to 25 years old got the highest mark with 54% equivalent to 27 out of 50 respondents following the 26 to 30 years old with the count of 30% or the 15 out of 50 respondents followed by 12% or the 6 out of 50 respondents under the age of 31 to 35 years old and the remaining 4% of the count were aging 36 to 40 years. In terms of social influences there were 72% or 36 out of 50 respondents got the highest count and in terms of attitude towards use, 35 out of 50 respondents were marked or an equivalent of 70%. Mobile technology readiness got 70% or the 35 out of 50 respondents. In terms of computer skills there were 48% as the highest or 24 out of 50 respondents. In relation to this, there is a concrete evidences indicates that respondents have the same opinion and the level of acceptance to wireless finance is high. Therefore the hypothesis / is advised to be accepted.

Consumer acceptance to wireless finance has the following mean indicating highest to lowest ranking as follows; level of perceived cost with the mean of 3.98 with a very highly accepted description; level of use with the mean of 3.96 with very highly accepted description; level of social influences with the mean of 3.88 with very highly accepted description; level of usefulness with the mean of 3.67 and with highly accepted description; and level of systems quality with the mean of 3.22 and with highly accepted description.

Test of significant difference indicated the following F-values of each indicator; this revealed the information which demonstrates greater parts of the respondents, in the area cost the f-value is equivalent to 11.13; f-value of ease of use indicator is 38.3; f-value for systems quality as an indicator is 0.96; computer skills f-value was 0.96; social influences f-value was 0.65 in view of the respondents profile.

Conclusions
The following conclusions were drawn in relation to the gathered data;
Profile of RD Pawnshop employees is 18 – 25 years old, computer skills is internet, mobile technology readiness is through the use of tablet computers, socially influenced by advertisements in the websites and the attitude towards use of mobile technology is looking up information about a job.

Consumer acceptance to wireless finance among RD Pawnshop employees is highly accepted.

There is a significant differences on consumer acceptance to wireless finance among RD pawnshop employees when analyzed according to their profile therefore hypothesis is rejected.

Recommendations
In lieu of the conclusions made, the following are the proposals made to offer by the researchers for future reference and basis;
The study about consumer acceptance to wireless finance and its result is significant especially those who are engaging into any financial related activities and also for those who are planning to engage in a business. These may be an aid for them to achieve a convenient and ease in every financial transaction both internal and external the business environment.
Hence, wireless finance were identified by researchers which they may suggest that by studying the underlying factors about wireless finance, an instrument is set to be created to explore other views and opinions of other demographics not just only for pawnshop tellers but also the entire macro and micro environment participants.

With regards to the consumer acceptance, factors or indicators were shown that the level of consumer acceptance towards it obtainable and researchers may suggest that in applying a technology towards financial operation, it is even if the company will benefit everyone by integrating technology as part of their financial functions to.

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