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POLYTECHNIC UNIVERSITY OF THE PHILIPPINES
COLLEGE OF ACCOUNTANCY AND FINANCE
DEPARTMENT OF BANKING AND FINANCE

The Comparative Study of Usage of Happy Plus Card
As Assessed by Jollibee Customers
In Selected Manila and Quezon City Branches

An Undergraduate Research Paper Presented
to
Prof. Melvin Jason S. De Vera

In Partial Fulfillment of the Requirements
In FINA 3073

Submitted by:
GROUP III
of
BBF 3-9N

Levy Benavidez
Elbert Bernal
Angellou Calangan
Dianne Grace Cantillep
Beah Loraine Dimaandal
Zarah Jane Garalde
Camille Garcia
Jobelle Garrido
Darell Glodo
Giomelyn Magsaysay

March 20, 2013

ACKNOWLEDGEMENT
We would like to express our warm gratitude, first to God, who has a powerful, wonderful and precious way of giving us strength in every situation that we are facing every day. He is always here to guide us in a right path towards success. Secondly, to our beloved parents who support, guide, advice and love us as we spend our lives with them, who share every cheerful moment and also problems that cannot be escaped but because of having a good faith together, we had envisaged all of them as one and we are still strongly connected, who support us financially and who gave magnificent life to us, that we can use wisely and honorably so you will be proud of us. We cannot have done all of these without you. Thirdly, to our research professor, Mr. Melvin Jason S. De Vera, who is very devoted on guiding us throughout the study and sharing his knowledge and wisdom to us. Lastly, to the rest of the teachers and professors who educated us that which we could bear our minds and at the same time, lessons that we would treasure in our hearts forever.

We are always grateful for all your efforts to mold us into better persons even we are not telling you directly.

TABLE OF CONTENTS
CHAPTER ITHE PROBLEM AND ITS BACKGROUND…………………………………....2
Introduction……………………………………………………………………………….2
Statement of the Problem………………………………………………………………….2
Statement of the Objective………………………………………………………………...4
Hypothesis………………………………………………………………………………....4
Theoretical Framework……………………………………………………………………4
Conceptual Framework……………………………………………………………………6
Scope and Limitations……………………………………………………………………..6
Significance of the Study………………………………………………………………….7
Definition of Terms………………………………………………………………………..7

CHAPTER IIREVIEW OF RELATED LITERATURE AND STUDIES………………………8
Related Legal Basis………………………………………………………………………..8
Related Local Literature…………………………………………………………………..8
Related Foreign Literature………………………………………………………………...9
Related Studies……………………………………………………………………………9
Synthesis…………………………………………………………………………………10

CHAPTER IIIMETHODOLOGY………………………………………………………………11
Research Design………………………………………………………………………….11
Identifying the Respondents……………………………………………………………..11
Determining Sample Size………………………………………………………………..11
Sampling Design…………………………………………………………………………12
Instrumentation…………………….…………………………………………………….12
Data Gathering Procedure………….…………………………………………………….12
Statistical Treatment of the Data…………………………………………………………12

CHAPTER I
THE PROBLEM AND ITS BACKGROUND
Introduction
Debit cards are just ones of the signs that we are now facing the technologies ahead of us. They are created for us to have a better living and specifically, to carry big amount of money without others noticing, less of hassle and secures everyone because nowadays, they cannot trust the people who surrounds them and crimes are spreading throughout the country and that is why everyone is affected. It is important to us because through the use of this, we can take money everyday, everywhere we go without worrying. We can purchase goods or even use some services by just swiping it into a machine or encash it using Automated Teller Machine (ATM). One example of this is the Happy Plus Card that was introduced by Jollibee.

Unlike other types of debit cards that we only used in financial institutions, Happy...
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