Analysis of Credit Card Statement Delivery on Mobile App Research

This report investigates why credit card customers don't receive their statements on mobile apps. The study explores the background of the issue, highlighting increased credit card usage and concerns around data security. The research aims to identify the factors preventing customers from accessing their statements through mobile applications and proposes strategies to improve the situation. The methodology involves both primary and secondary data collection, including surveys and literature reviews. The report details the research strategies, data collection methods, sampling approach (non-probability sampling of 400 credit card users), and data analysis techniques. Ethical considerations, including informed consent and data confidentiality, are also addressed. The report concludes with a summary of findings, emphasizing the importance of addressing security concerns and improving user experience to encourage mobile app usage for credit card statement access. The limitations of the research, such as time and resource constraints, are also acknowledged.

Running Head: RESEARCH
How credit card customers don't receive a statement on a mobile app

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Table of Contents
Introduction................................................................................................................................2
Working title...........................................................................................................................2
Background to the study.........................................................................................................2
Problem statement: Purpose of the study..............................................................................2
Business Action Research question(s):..................................................................................2
Research methodology:..............................................................................................................3
Research strategies.................................................................................................................3
Data collection methods.........................................................................................................4
Sampling approach.................................................................................................................4
Data analysis approach...........................................................................................................5
Ethics considerations..............................................................................................................5
Timeframe of study (3 weeks maximum)..................................................................................6
Limitations:.............................................................................................................................7
Conclusion..................................................................................................................................7
References..................................................................................................................................9

RESEARCH 3
Introduction
Working title: how credit card customers don't receive a statement on the mobile app.
Background to the study
In the current era, users of credit have been increased that could require higher security for
securing the data of consumers. Due to the higher security breach, consumers do not receive
their bank statement on the mobile app. It is stated that a lack of awareness of using the mob
app consumers does not receive any kind of statement on the mobile app (Christensen et al.,
2015). In the current era, the organization has needed to gain their knowledge towards the
methods that can be effective to improve the issues of security in using the mobile app for
credit card users. An organization should more aware to the consumer about the phases that
have been considered by the consumers to comprehend their credit card statement in the
mobile app. Further, a firm could practices training and development as it would be effective
in improving the efficiency of employees for attracting a huge number of consumers for using
a credit card security (Turow, et al., 2015).
Problem statement: Purpose of the study
This study address the factor affecting the credit card customers to receive their statement on
the mobile app.
 Explore how credit card customers don't receive a statement on the mobile app
 Comprehend the factor affecting the credit card customers to receive their statement
on a mobile app.
 Recommended strategies for increasing the statement of the credit card on the mobile
app.
Business Action Research question(s):
The following questions have been considered by the investigator to complete their study:
 How credit card customers don't receive a statement on the mobile app?

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 Which factors affecting the credit card customers to receive their statement on a
mobile app?
 Which strategies are effective in increasing the statement of the credit card on the
mobile app.
Research methodology:
For the aim of this study, both secondary as well as the primary data collection, will be
considered in the study to get responses of individuals towards study dilemma. The primary
information will gather by entailing survey through questionnaire while the quantitative data
will be collected by pamphlets, research publications, daily newspapers, published reports,
and unpublished data. It could be effective for the attainment of the research task. These are
discussed below:
Research strategies
The research strategy is a way by which a research scholar is capable to find out a feasible
solution towards the targeted goal (Vamsi Krishna Jasti and Kodali, 2014). In research, many
strategies have been available but survey through a questionnaire, case study, literature
review, and observation strategies are generally used by the investigator. These strategies are
effective in operating research in one direction. For completing this study, survey through
questionnaire method and LR (literature review) strategies will be practiced by the
researcher. The main reason for selecting the survey through questionnaire is that it facilitates
researcher to find out data towards research issue. The research strategy is imperative in order
to get reliable information towards research matter (Litosseliti, 2018). The survey through
the questionnaire is a technique that is practiced by the researcher to get direct responses of
participants about research concern. This method of research is effective to get feasible data
for meeting the research aim. Survey through questionnaire could also make the smooth
process of the study. It could also lead to the investigator to get the numerical data that would

RESEARCH 5
be vital for the study. Apart from this, the literature review is effective in getting conceptual
information towards research. It could increase validity and reliability of the research matter.
It is also examined that research strategy is effective to get reliable and valid research
outcome (Vamsi Krishna Jasti and Kodali, 2014).
Data collection methods
Data gathering tool is an effective way to get an effective tool for the attainment of their
assigned task. In this study, the data collection could consider different tools named as the
primary as well secondary information gathering technique. The main reason of using the
primary information method is that as it facilitates for obtaining fresh information with
respect to how credit card customers don’t receive the statement on the mobile app. This is
procedure of getting the data from relevant sources and reach at accurate conclusion
(McCusker and Gunaydin, 2015). It could also facilitate to evaluate the targeted aim and
support to get real result outcome. Apart from this, it is addressed that secondary data
information tool is practiced to get the conceptual data about the research as it could be
collected by gathering entailing many sources as it could be named as the business studies,
online sources, books, journals, articles, and company websites. The use of a suitable set of
the selected data collection criteria can be imperative in increasing the possibilities of
effective outcome. It could be imperative in the attainment of a specified task. It could be
significant for the attainment of organizational goal (Jamshed, 2014).
Sampling approach
The sampling approach could facilitate the researcher for getting the information towards the
research issue make a solution for particular matter. The sampling method consist of many
methods but these methods has been normally used by the investigator named as the
probability as well as a non-probability sampling tool. These methods could reflect the
researcher in accomplishment of research objectives in one direction (Choy, 2014). It could

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increase the reliability of particular concern. It is evaluated that investigator could be capable
to get data from the different sources of sampling method and make the decision effectively
with the facor of the specified research matter. In this study, probability sampling tool will
not be used by the researcher as this method will aid to select an individual from the targeted
population so that this method is known as the population representative (Ledford and Gast,
2018). Moreover, it is effective for the researcher to comprehend the importance of research.
After the valuation of the sampling method the non-probability sampling is selected as it
facilitates to select the candidates who are interested in your study and get their responses
towards the research matter. For completing this, 400 customers have been selected who have
to use a credit card but do not receive their statement on the mob app.
Data analysis approach
Data analysis is a technique in evaluating gathered data towards study as it could be possible
to be entailing certain sources named as qualitative data analysis as well as quantitative data
analysis. The qualitative data evaluation assists to examine the conceptual information and
solve the query of research result (Bresler and Stake, 2017). The quantitative data
examination tool aids the researcher to make a decision towards numerical information. To
examine quantitative data, MS-excel software will be practiced as it enables to show the
collected data by graphs, charts, and tables. The data analysis section is effective to make the
decision effectively. It is addressed that data evaluation could affect overall outcome of
study. The data evaluation is an imperative tool that enables to meet the task in a systematic
manner (Taylor, et al., 2015).
Ethics considerations
In the study, ethics is significant as it allows to evaluate the right and wrong activity. Through
this, a researcher will be capable to conduct suitable behavior with others. The researcher will
get the prior permission of people towards the research and share all the information about

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the survey (Mackey and Gass, 2015). The researcher will inform how much time has been
taken in the study due to enhancing trustworthiness of research. In the study, there are
different components as it might be entailed by research scholar for eliminating the ethical
issues from the study named as securing confidentially of the data, data manipulation, and use
of university guidelines (Hashemian, et al., 2015). It is examined that the investigator could
also practice ethical norms could be essential for conducting suitable behaviour in the study
and supported to meet the research matter. Moreover, an investigator will be liable for the
data of the research participants that were shared by them to conduct this study. It is
illustrated that the researcher effectively communicates with their participants to make an
effective relationship with them for the long term. Effective relations between participants
and researcher could increase the interest of a person in the study that would be effective for
getting positive responses (tom Dieck and Jung, 2018).
The timeframe of study (3 weeks maximum)
S.
No.
Research activities Week 1 Week 2 Week 3
1 Identification of research
matter
2 Literature review
3 Selection of suitable data
collection method
4 Design of survey
5 Data analysis method
section
6 sampling method section
7 Draft

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8 Writing, proofreading,
meet the tutor
9 Final submission of the
report
As per the above table, different research activities are entailed by the investigator named as
the identification of study matter, literature review, selection of suitable data collection
method, design of survey, data analysis method section, sampling method section, draft,
writing, proofreading, meet tutor, and final submission of the write up. I analysed that data
collection method could take additional time than other activities of study. It is also addressed
that research activities are effective for improving time management skills effectively.
Limitations:
The research could confront form many issues at the time of leading the research activities
and making a decision about the study. In the research, some of the factors that generally
being a hurdle for the investigator could be named as cost, time, and resources. It could
decline the probability of getting positive responses (Christensen, et al., 2015). The lack of
resources could mandate to a researcher for completing their research activities in specified
research acts that affecting the overall productivity. For eliminating such issues, an
investigator would be needed to improve their time management skills that could affect the
overall outcome. It is also evaluated the researcher could gain their understanding of different
tools and technologies that affect overall outcome of study. It is illustrated that a researcher
could gain their depth information towards resources management skills for meeting the
research goal and get higher competitive advantages (Turow, et al., 2015).

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Conclusion
As per the above interpretation, it is founded that credit card is being an imperative part of the
individual in existing business era but due to some reasons the users of credit card face
problem. It can also be summarized that banking industry has made many mobile apps that
facilitate to the individuals to know their statement in mobile in less time due to the lack of
security feeling consumers are unable to have this benefit. Further, it can be summarized that
research methodology section is effective to comprehend that methods as it would be
imperative for obtaining the data towards research matter. It can be concluded that survey
through questionnaire is selected to conduct this study as it facilitates to get the direct
responses of the participants towards the research matter. This study has selected 400
consumers to conduct this study that is higher sample size as it increases the cost as well as
time for conducting this study that will affect to overall result of study. In addition, it can be
concluded that time cost and resources could affect the overall result.

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References
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Christensen, C.M., Raynor, M.E. and McDonald, R., 2015. What is disruptive
innovation? Harvard Business Review, 93(12), pp.44-53.
tom Dieck, M.C., and Jung, T., 2018. A theoretical model of mobile augmented reality
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Hashemian, T.S., Kritz‐Silverstein, D. and Baker, R., 2015. T ext2 F loss: the feasibility and
acceptability of a text messaging intervention to improve oral health behavior and
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Silverman, D. ed., 2016. Qualitative research. Sage.
Taylor, S.J., Bogdan, R. and DeVault, M., 2015. Introduction to qualitative research
methods: A guidebook and resource. John Wiley & Sons.
Bresler, L. and Stake, R.E., 2017. Qualitative research methodology in music education.
Critical Essays in Music Education (pp. 113-128). Routledge.
Ledford, J.R. and Gast, D.L., 2018. Single case research methodology: Applications in
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Choy, L.T., 2014. The strengths and weaknesses of research methodology: Comparison and
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Humanities and Social Science, 19(4), pp.99-104.
Jamshed, S., 2014. Qualitative research method-interviewing and observation. Journal of
basic and clinical pharmacy, 5(4), p.87.

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methods and choice based on the research. Perfusion, 30(7), pp.537-542.
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