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APPROVAL SHEET

This DISSERTATION entitled “ASSESSMENT OF CLIENTS’ ADOPTION OF

THE BANKING CHANNELS” prepared and submitted by STACY ANNE P.
SABILE, has been approved by the Panel of Evaluators upon incorporation of all
recommendations and suggestions in the manuscript in partial fulfillment of the
requirements for the degree of DOCTOR IN BUSINESS ADMINISTRATION.

CHERE’ C. YTURRALDE, D.B.A.

Adviser

PANEL OF EVALUATORS

PEPITO M. GALANG, Ph.D.

Chair

MANUELITA G. VALENCIA, D.B.A. BARBARA M. UMALI, D.B.A

Member Member

MANUELITA G. VALENCIA, D.B.A. BARBARA M. UMALI, D.B.A

Member Member

- - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Accepted and approved in partial fulfillment of the requirements for the

degree of DOCTOR IN BUSINESS ADMINISTRATION.

Comprehensive Examination Passed: August 13 and 20, 2013

Date: ELVIRA S. BALINAS, Ph.D.

Dean, Graduate School
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ASSESSMENT OF CLIENTS’ ADOPTION

OF THE BANKING CHANNELS

A DISSERTATION SUBMITTED TO

THE GRADUATE SCHOOL FACULTY

IN CANDIDACY FOR THE DEGREE OF

DOCTOR OF BUSINESS ADMINISTRATION

BY

______________________

ANGELES CITY, PHILIPPINES

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DECEMBER 2019

ABSTRACT

An abstract must contain the statement of the problem, the methodology used

and statistics if appropriate, the results and findings obtained, and the

conclusion/s.

Keywords: keyword 1; keyword 2; keyword 3 (List three to ten pertinent

keywords specific to the study; yet reasonably common within the subject
discipline.)
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ACKNOWLEDGMENTS
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TABLE OF CONTENTS

ABSTRACT ......................................................................................................... iv

ACKNOWLEDGEMENTS ...................................................................................v

LIST OF FIGURES ............................................................................................viii

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

LIST OF ABBREVIATIONS ................................................................................x

INTRODUCTION ................................................................................................. 1

STUDY OBJECTIVES……………….…………………………………………………5

METHODS……………………………………………………………………………….

Study Design…………………………………………………………………….

Study Participants……………………………………………………………….

Sample size………………………………………………………………………

Inclusion and Exclusion Criteria………………………………………………..

(Specific Procedures Based on Study Objectives)…………………………..

STATISTICAL ANALYSIS OF DATA……….………………………………………….

RESULTS………………………………………………………………………………….

DISCUSSIONS……………………………………………………………………………

CONCLUSIONS AND RECOMMENDATIONS……………………………………….

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REFERENCES ............................................................................................... 148

APPENDICES ................................................................................................. 166

A Review paper………………………………………………………………..

B Proof of submission to publication/journal or proof of acceptance to

publication/journal or proof of publication………………………………..

C Research Ethics Clearance ................................................................... 167

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1. Introduction

The introduction should briefly place the study in a broad context and

highlight why it is important. It should define the purpose of the work and its

significance. The current state of the research field should be reviewed carefully

and key publications cited. Please highlight controversial and diverging

hypotheses when necessary. Finally, briefly mention the main aim of the work

and highlight the principal conclusions. As far as possible, please keep the

introduction comprehensible to scientists outside your particular field of research.

2. Study Objectives

2.1. General Objective

2.2. Specific Objectives

3. Methods

This section may vary between disciplines. Program chairs may refer to

the usual content of the methods section in some of the articles published in the

respective disciplines. In general, this section is composed of:

3.1. Study Design

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3.2. Study Participants

3.2.1. Sample size

3.2.2. Inclusion and Exclusion Criteria

3.4. (Specific Procedures Based on Study Objectives)

3.4.1. Ethical Considerations

State the issuing agency for the ethics clearance or exemption from ethics

review.

3.4.2. Procedure 1

3.4.3. Procedure 2

3.4.4. (Add more sections to this as needed)

4. Statistical Analysis of Data

Materials and Methods should be described with sufficient details to allow

others to replicate and build on published results. New methods and protocols

should be described in detail while well-established methods can be briefly

described and appropriately cited.

Interventionary studies involving animals or humans, and other studies

require ethical approval must list the authority that provided approval and the

corresponding ethical approval code.

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5. Results

This section may be divided by subheadings. It should provide a concise and

precise description of the experimental results, their interpretation as well as the

experimental conclusions that can be drawn.

5.1. Subsection

5.1.1. Subsubsection

Figures, Tables and Schemes

All figures and tables should be cited in the main text as Figure 1, Table 1,

etc.

(a) (b)

Figure 1. This is a figure, Schemes follow the same formatting. If there

are multiple panels, they should be listed as: (a) Description of what is
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contained in the first panel; (b) Description of what is contained in the

second panel. Figures should be placed in the main text near to the first

time they are cited. A caption on a single line should be centered.

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Table 1. This is a table. Tables should be placed in the

main text near to the first time they are cited.

Title 1 Title 2 Title 3

entry 1 data data
entry 2 data data 1
1
Tables may have a footer.

Formatting of Mathematical Components

This is an example of an equation:

a = 1, (1)
the text following an equation need not be a new paragraph. Please punctuate
equations as regular text.
Theorem-type environments (including propositions, lemmas, corollaries etc.)
can be formatted as follows:

Theorem 1. Example text of a theorem. Theorems, propositions, lemmas, etc.

should be numbered sequentially (i.e., Proposition 2 follows Theorem 1).
Examples or Remarks use the same formatting, but should be numbered
separately, so a document may contain Theorem 1, Remark 1 and Example 1.

The text continues here. Proofs must be formatted as follows:

Proof of Theorem 1. Text of the proof. Note that the phrase ‘of Theorem 1’ is
optional if it is clear which theorem is being referred to. Always finish a proof with
the following symbol. □

The text continues here.

7. Discussion
Authors should discuss the results and how they can be interpreted in
perspective of previous studies and of the working hypotheses. The findings and
their implications should be discussed in the broadest context possible. Future
research directions may also be highlighted.

8. Conclusions and Recommendations

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This section is mandatory. Please summarize the main achievements and/or
resultsin this section.

REFERENCES

References must follow the APA format. Use of Mendeley is highly

suggested.
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APPENDIX A

REVIEW PAPER

Please insert the Review Paper

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APPENDIX B

RESEARCH ETHICS CLEARANCE

Please insert the scanned copy of the Research Ethics Clearance from the
University Research Ethics Committee if your thesis requires one
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APPENDIX C

CERTIFICATION OF STEPS COMPLETION

Please insert the scanned copy of the FormCertificate of Steps Completion

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APPENDIX D

Please insert scanned copy of Proof of submission to publication/journal or proof

of acceptance to publication/journal or proof of publication if your
thesis/dissertation requires one
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APPENDIX E

Questionnaire on How the Second Year High School Students Can Better
Understand the Meaning of Human Freedom