The Expectation of Half-half Co-payment Scheme Customers through Pao Tang Application

Abstract

The objectives of this research are 1) to study the expectation of Half-half Co-payment Scheme customers through Pao Tang Application; 2) to propose guidelines for effective application development. Key informants used in the study consist of 18 people who are eligible for the Half-half Co-payment Scheme to purchase products and services at the Bon Marche Market Park. This research is based on a qualitative research methodology. The tool is performed by in-depth interview and the data is conducted by content analysis.

The findings reveal that 1) in terms of the expectation of convenience in registration, it is found that the key informants have opinions that the Half-half Co-payment Scheme is both convenient and inconvenient in registration. In terms of the expectation of convenience in paying for products and services through Pao Tang Application, it is found that it is convenient but sometimes the application system cannot run smoothly. However, some argue that it is inconvenient because e-Wallet money top-up is complicated. In terms of scheme renewal expectations, it is found that most key informants would like the scheme to be renewed. But few key informants argue that the scheme should not be renewed because it is a short-term assistance only. The government should have long-term measures to help people as well. 2) Guidelines for effective application development, it is found that the relevant agencies should improve the registration for permissions on the website and the server to be able to support a large number of simultaneous traffic and should improve the application to be more efficient and easy to use due to many people never perform financial transactions through the mobile banking application before. The body of knowledge indicates that 1) creating awareness and stimulating people's interest and the necessity of developing skills in understanding and using digital literacy; and 2) encouraging Thailand to enter the cashless society.