Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal International Journal of Multidisciplinary: Applied Business and Education Research
Edward Louie Y. Abejero
Cebu Institute of Technology University
Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Environmental Science Medicine & Pharmacology

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Determinants of Total Deposit Growth in Philippine Banking: A Statistical Study Across Banking Groups Jess Andes; Anne Lorraine L. Abanto; Edward Louie Y. Abejero; Ginesa C. Anticuando; Ira Faye N. Apay; Jella O. Bacatan; Marvin Ian E. Niere; Peter G. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 6 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.06.21

Abstract

This paper analyzes the drivers of total deposit growth in the Philippine banking system for years 2014-2024. It considers the joint impact of macro-economic conditions and technology development across the major banking groups. The study utilized a descriptive-correlational design and secondary data were obtained from the Bangko Sentral ng Pilipinas and the Philippine Statistics Authority. The correlation analysis was performed to study the correlation between the macroeconomic and technological variables and the deposit growth. The results show that total deposits are still growing mainly driven by the Universal and Commercial Banks. GDP, GDP per capita, CPI and digital payment adoption are very strongly positively related to deposit growth while PPP is very strongly negatively related showing that nominal deposits grow when purchasing power falls. Of the variables that point to financial technology’s growing importance, digital payments have the highest correlation across banking groups. “There are differences between bank types. Larger banks are more sensitive to macroeconomic and technological factors. The findings show that economic performance and digital transformation have a significant relationship with the growth of deposits in the Philippine banking industry. Macro-economic stability is the structural basis for deposit mobilization. But the biggest innovation related to the growth of deposits of financial inclusion and expansion of deposits is digital innovation. The results suggest that policymakers and financial institutions could consider integrated approaches to improve economic fundamentals, while encouraging digital financial infrastructure to facilitate the development of the banking sector.
Online Fraud Risk and Its Impact on Student Trust in Digital Financial Services Kathleen Grace M. Lauron; Brigette Rose E. Malinao; Chris James T. Detecio; Edward Louie Y. Abejero; Patricia Andrea A. Genon; Paulino Jr. F. Abarquez; Ryan B. Malubay; Peter G. Narsico
International Journal of Multidisciplinary: Applied Business and Education Research Vol. 7 No. 4 (2026): International Journal of Multidisciplinary: Applied Business and Education Rese
Publisher : Future Science / FSH-PH Publications

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijmaber.07.04.25

Abstract

In this study we have investigated the impact of digital financial risk perception on customer trust in digital financial services on students at a university in Cebu City of the Philippines. As people increasingly depend on e-wallets and mobile banking to transact daily business, it is important to learn how fraud awareness influences their trust. We have used a quantitative correlational design and conducted a Likert scale survey on 310 students. The Likert scale is not too reliable (Cronbach’s α = 0.778) but students found online fraud to be a serious and growing problem (M = 3.37). However, they trusted digital financial services (M = 2.92). Simple linear regression revealed that perceived online fraud risk is not a strong predictor of customer trust (R² = 0.003 and p = 0.34), indicating that fraud awareness is not responsible for all the variation in trust. These results suggest that students are more trusting in functional trust (convenience, usability and platform performance) than in perceived safety. Despite high-risk awareness, students continue to use digital financial services because those services are essential to daily life. This finding indicates that service providers need to better serve the customers when it comes to platform reliability, user experience and customer support as these properties seem to be more important in maintaining trust than perceived fraud risk. Future research should also look at user satisfaction, digital literacy and actual fraud experience and longitudinal design to track how trust changes with changing digital practices.
Co-Authors Anne Lorraine L. Abanto Brigette Rose E. Malinao Chris James T. Detecio Ginesa C. Anticuando Ira Faye N. Apay Jella O. Bacatan Jess Andes Kathleen Grace M. Lauron Marvin Ian E. Niere Patricia Andrea A. Genon Paulino Jr. F. Abarquez Peter G. Narsico Ryan B. Malubay