A qualitative study on the perception of selected senior High School students on cash, credit cards, debit cards, and digital wallets

Date

2025

Adviser

Oliver C. Ocampo

Principal

Mabel S. Buela

Abstract

The research was conducted to analyze and explore the financial lives of Senior High School students within the researchers’ own school. The primary focus was to examine the effects and uses of financial tools, initially credit & debit cards, but then later expanded to include digital wallets and cash. This addition aimed to capture a more complete picture of students' financial habits and the role these tools play in their daily lives. The significance of this study lies in its focus on 250 Senior High School Students whose financial experiences are often overlooked, as financial literacy is rarely emphasized in high school settings. To gather data, the researchers employed a two-way approach: distributing questionnaires to gather general statistical information and then created a criteria to follow in selection for conducting interviews with selected participants who demonstrated unique or strong opinions. The interview questions were intentionally designed to supplement the surveys without overpowering the core data set. After collecting the responses, the researchers tabulated and transcribed the information, then conducted a thorough qualitative analysis. In reviewing the data, the researchers identified recurring patterns and common themes across the student population, such as convenience, budgeting struggles, and dependence on digital payment methods. However, they also paid close attention to outlier responses, recognizing that unique financial experiences and perspectives offered valuable insight into less visible issues. These individual cases helped round out the research, highlighting that while convenience emerged as the most prominent factor, its effects varied greatly depending on context, background, and personal discipline.

Language

English

Location

UP Rural High School

Document Type

Capstone

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