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The study's theoretical framework comprised the Technology Acceptance Model (TAM) to assess the acceptance level of the National University — Baliwag Students in adopting e-payments using Paynamics. The Technology Acceptance Model (TAM) was the theoretical framework underpinning this study. TAM, developed by Davis (1989), posited that perceived ease of use and perceived usefulness significantly influenced an individual's intention to use technology. Additionally, research by Bhattacherjee (2001) further supported and extended TAM, providing valuable insights into the factors that shaped user acceptance of technology. In the context of this study, the model, drawing on both Davis and Bhattacherjee's contributions, IV. THEORETICAL FRAMEWORK

Figure 1 The study's theoretical framework comprised the Technology Acceptance Model (TAM) to assess the acceptance level of the National University — Baliwag Students in adopting e-payments using Paynamics. The Technology Acceptance Model (TAM) was the theoretical framework underpinning this study. TAM, developed by Davis (1989), posited that perceived ease of use and perceived usefulness significantly influenced an individual's intention to use technology. Additionally, research by Bhattacherjee (2001) further supported and extended TAM, providing valuable insights into the factors that shaped user acceptance of technology. In the context of this study, the model, drawing on both Davis and Bhattacherjee's contributions, IV. THEORETICAL FRAMEWORK

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The conceptual framework was structured around an Independent Variable (IV) and Dependent Variable (DV) model. Within this framework, the independent variables were Perceived Usefulness of Paynamics and Ease of Use of Paynamics. These components were critical for examining the adoption of e- payment system methods among National University - Baliwag students. The dependent variable in this context was the "Level of Acceptance to Use Paynamics," which measured how students accepted e-payment for their tuition fees. Figure 2 presents the model derived from the Technology Acceptance Model (TAM), custom-tailored to examine the reception of cashless payment systems, notably Paynamics, among students enrolled at National University-Baliwag College. This model drew out two fundamental dimensions profoundly influencing students' inclination to adopt Paynamics for tuition fee payments: the usefulness and how easy it was for people to use the platform.
The conceptual framework was structured around an Independent Variable (IV) and Dependent Variable (DV) model. Within this framework, the independent variables were Perceived Usefulness of Paynamics and Ease of Use of Paynamics. These components were critical for examining the adoption of e- payment system methods among National University - Baliwag students. The dependent variable in this context was the "Level of Acceptance to Use Paynamics," which measured how students accepted e-payment for their tuition fees. Figure 2 presents the model derived from the Technology Acceptance Model (TAM), custom-tailored to examine the reception of cashless payment systems, notably Paynamics, among students enrolled at National University-Baliwag College. This model drew out two fundamental dimensions profoundly influencing students' inclination to adopt Paynamics for tuition fee payments: the usefulness and how easy it was for people to use the platform.
This inclusive selection process was crucial to guarantee that the study's findings could be applied to a broader population of National University Baliwag students. It aimed to provide a holistic understanding of their level of acceptance and attitude toward using Paynamics for tuition fee payment. Moreover, these insights may carry implications for similar educational institutions globally that are contemplating the implementation of cashless payment systems. TABLE 1
This inclusive selection process was crucial to guarantee that the study's findings could be applied to a broader population of National University Baliwag students. It aimed to provide a holistic understanding of their level of acceptance and attitude toward using Paynamics for tuition fee payment. Moreover, these insights may carry implications for similar educational institutions globally that are contemplating the implementation of cashless payment systems. TABLE 1
ALLOCATION OF SAMPLE SIZE BASED ON THE STUDENTS’ YEARS OF STAY TABLE 2
ALLOCATION OF SAMPLE SIZE BASED ON THE STUDENTS’ YEARS OF STAY TABLE 2
RATING FREQUENCY SCALE FOR INTERPRETING THE AVERAGE SCORES IN LIKERT SCALE
RATING FREQUENCY SCALE FOR INTERPRETING THE AVERAGE SCORES IN LIKERT SCALE
Net Agreement Rating. The net agreement rating measured agreement or disagreement among respondents regarding a particular topic or statement. The net agreement rating could be calculated by subtracting the percentage of people who agreed with the statement from those who disagreed—using the net agreement rating when the median was used as the verbal interpretation was appropriate, as it was likely to yield the same result, substantiating the median results. RATING AGREEMENT SCALE FOR INTERPRETING THE AVERAGE SCORES IN LIKERT SCALE TABLE 4 Index Copernicus Value (ICV) = 77.57
Net Agreement Rating. The net agreement rating measured agreement or disagreement among respondents regarding a particular topic or statement. The net agreement rating could be calculated by subtracting the percentage of people who agreed with the statement from those who disagreed—using the net agreement rating when the median was used as the verbal interpretation was appropriate, as it was likely to yield the same result, substantiating the median results. RATING AGREEMENT SCALE FOR INTERPRETING THE AVERAGE SCORES IN LIKERT SCALE TABLE 4 Index Copernicus Value (ICV) = 77.57
FREQUENCY AND PERCENTAGE DISTRIBUTION OF THE RESPONDENTS (N=359) Table 6 illustrates the distribution of frequencies and percentages among the 359 respondents based on their sex and years of stay in the university. Regarding sex, the breakdown revealed that most respondents were female, comprising 226 or 63.0%, while the rest were male, accounting for 133 or 37.0%. Regarding years of stay in the university, the majority were in the two years of stay, comprising 122 or 34%, followed by those with one year of stay at 121 or 33.7%, three years of stay at 69 or 19.2%, and four years at 47 or 13.1%.
FREQUENCY AND PERCENTAGE DISTRIBUTION OF THE RESPONDENTS (N=359) Table 6 illustrates the distribution of frequencies and percentages among the 359 respondents based on their sex and years of stay in the university. Regarding sex, the breakdown revealed that most respondents were female, comprising 226 or 63.0%, while the rest were male, accounting for 133 or 37.0%. Regarding years of stay in the university, the majority were in the two years of stay, comprising 122 or 34%, followed by those with one year of stay at 121 or 33.7%, three years of stay at 69 or 19.2%, and four years at 47 or 13.1%.
Note: “Never (1.00-1.80)”, “Almost Never (1.81-2.60)”, “Sometimes (2.61-3.40)”, “Almost Every Time (3.41- 4.20)”, “Frequently Use (4.20-5.00)” MEDIAN, IQR, AND PERCENTAGE DISTRIBUTION: PAYNAMICS PAYMENT METHODS IN TERMS OF E-WALLETS
Note: “Never (1.00-1.80)”, “Almost Never (1.81-2.60)”, “Sometimes (2.61-3.40)”, “Almost Every Time (3.41- 4.20)”, “Frequently Use (4.20-5.00)” MEDIAN, IQR, AND PERCENTAGE DISTRIBUTION: PAYNAMICS PAYMENT METHODS IN TERMS OF E-WALLETS
Note: “Never (1.00-1.80)”, “Almost Never (1.81-2.60)”, “Sometimes (2.61-3.40)”, “Almost Every Time (3.41- 4.20)”, “Frequently Use (4.20-5.00)” MEDIAN, IQR, AND PERCENTAGE DISTRIBUTION: PAYNAMICS PAYMENT METHODS IN TERMS OF ONLINE BANK TRANSFER
Note: “Never (1.00-1.80)”, “Almost Never (1.81-2.60)”, “Sometimes (2.61-3.40)”, “Almost Every Time (3.41- 4.20)”, “Frequently Use (4.20-5.00)” MEDIAN, IQR, AND PERCENTAGE DISTRIBUTION: PAYNAMICS PAYMENT METHODS IN TERMS OF ONLINE BANK TRANSFER
MEDIAN, IQR, AND NET RATING: PERCEIVED USEFULNESS OF PAYNAMICS TABLE 9
MEDIAN, IQR, AND NET RATING: PERCEIVED USEFULNESS OF PAYNAMICS TABLE 9
MEDIAN, IQR, AND NET RATING: PERCEIVED EASE OF USE OF PAYNAMICS Table 10 analyzes the ease of use of the Paynamics system among selected National University Baliwag students. This study employed descriptive statistics, including median, interquartile range (IQR), and net agreement rating, to examine students’ perceptions regarding the usability and convenience of Paynamics for tuition fee payment. OmniFund's insights via PYMNTS (2021) emphasize the need to integrate digital payment technology ike Paynamics to streamline transactions in educational institutions amidst evolving financial technologies. This vighlights the significance of perceived utility in accepting digital payment systems, showing that users see hese technologies as beneficial instruments for simplifying financial transactions in educational environments.
MEDIAN, IQR, AND NET RATING: PERCEIVED EASE OF USE OF PAYNAMICS Table 10 analyzes the ease of use of the Paynamics system among selected National University Baliwag students. This study employed descriptive statistics, including median, interquartile range (IQR), and net agreement rating, to examine students’ perceptions regarding the usability and convenience of Paynamics for tuition fee payment. OmniFund's insights via PYMNTS (2021) emphasize the need to integrate digital payment technology ike Paynamics to streamline transactions in educational institutions amidst evolving financial technologies. This vighlights the significance of perceived utility in accepting digital payment systems, showing that users see hese technologies as beneficial instruments for simplifying financial transactions in educational environments.
MEDIAN, IQR, AND NET RATING: LEVEL OF ACCEPTANCE OF THE RESPONDENTS TOWARDS CASHLESS PAYMENT FOR THEIR TUITION FEE USING PAYNAMICS
MEDIAN, IQR, AND NET RATING: LEVEL OF ACCEPTANCE OF THE RESPONDENTS TOWARDS CASHLESS PAYMENT FOR THEIR TUITION FEE USING PAYNAMICS
Note: “If p-value is less than or equal to the level of significance (0.05) reject H,, otherwise failed to reject yy MANN-WHITNEY-U-TEST: COMPARISON ON THE PERCEIVED OF USEFULNESS, EASE OF USE, AND LEVEL OF ACCEPTANCE OF PAYNAMICS WHEN GROUP ACCORDING TO THEIR SEX
Note: “If p-value is less than or equal to the level of significance (0.05) reject H,, otherwise failed to reject yy MANN-WHITNEY-U-TEST: COMPARISON ON THE PERCEIVED OF USEFULNESS, EASE OF USE, AND LEVEL OF ACCEPTANCE OF PAYNAMICS WHEN GROUP ACCORDING TO THEIR SEX
Note: “If p-value is less than or equal to the level of significance (0.05) reject H,, otherwise failed to reject H,.” MANN-WHITNEY-U-TEST: COMPARISON ON THE PERCEIVED OF USEFULNESS, EASE OF USE, AND LEVEL OF ACCEPTANCE OF PAYNAMICS WHEN GROUP ACCORDING TO YEARS OF STAY Table 13 illustrates the results of a Kruskal-Wallis H-Test, which was employed to compare the perceived usefulness, ease of use, and level of acceptance of Paynamics among students at Selected National University Baliwag based on their years of stay. The Kruskal-Wallis test is a non-parametric alternative to the one-way ANOVA. It is suitable for comparing three or more independent groups when the normality assumption is unmet.
Note: “If p-value is less than or equal to the level of significance (0.05) reject H,, otherwise failed to reject H,.” MANN-WHITNEY-U-TEST: COMPARISON ON THE PERCEIVED OF USEFULNESS, EASE OF USE, AND LEVEL OF ACCEPTANCE OF PAYNAMICS WHEN GROUP ACCORDING TO YEARS OF STAY Table 13 illustrates the results of a Kruskal-Wallis H-Test, which was employed to compare the perceived usefulness, ease of use, and level of acceptance of Paynamics among students at Selected National University Baliwag based on their years of stay. The Kruskal-Wallis test is a non-parametric alternative to the one-way ANOVA. It is suitable for comparing three or more independent groups when the normality assumption is unmet.
Table 14 presents the results of Dunn's post hoc comparisons conducted to analyze the perceived usefulness of Paynamics across different durations of stay at the university. Dunn's post hoc test was chosen for this analysis due to its ability to compare multiple groups while controlling for Type I errors.
Table 14 presents the results of Dunn's post hoc comparisons conducted to analyze the perceived usefulness of Paynamics across different durations of stay at the university. Dunn's post hoc test was chosen for this analysis due to its ability to compare multiple groups while controlling for Type I errors.
Table 15 presents the results of Dunn's Post Hoc Comparisons for the level of acceptance of Paynamics among students at Selected National University Baliwag, focusing on different years of stay. Dunn's test is a non-parametric procedure used to compare multiple groups after a significant Kruskal-Wallis H-test result, as observed in the preceding analysis. This study employed Dunn's test due to its suitability for comparing multiple groups without assuming equal variances or sample sizes.
Table 15 presents the results of Dunn's Post Hoc Comparisons for the level of acceptance of Paynamics among students at Selected National University Baliwag, focusing on different years of stay. Dunn's test is a non-parametric procedure used to compare multiple groups after a significant Kruskal-Wallis H-test result, as observed in the preceding analysis. This study employed Dunn's test due to its suitability for comparing multiple groups without assuming equal variances or sample sizes.
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