Business consultancy project

Appendix 2.-Questions (Survey)

Questionnaire protocol

• 
  To identify the of MFS service user portfolio.
  
• 
  To define the MFS preference over traditional payment systems,
  

During questionnaire the anonymity of respondents were kept, and questionnaire was conducted based on the following questions.

1	Gender
	Female
	Male
2	Age
	20-30
	21-40
	41-50
	Greater than 50
3	Marital Status
	Married
	Single
	Divorced
4	Employment Status
	Full-time work
	Part-time work
	Unemployed
5	Your net monthly approximate income
	Below 1000 AZN
	1000-3000 AZN
	3000-10000 AZN
6	Do you use a smartphone?
	Yes
	No
7	Which mobile operator do you use?
	Azercell
	Bakcell
	Azerfon (Nar)
	At least 2 numbers from different mobile operators
8	Do you have a bank account?
	Only Salary account
	Several accounts in one Bank
	Several accounts in different Banks
	No bank accounts
9	Do you use a bank plastic card?
	Only for cash-out
	For online and mobile payments
	For Pos-terminal payments

	No plastic cards
10	Which top-3 Azerbaijani banks are the best by service level and level of customer orientation by your opinion?
	1st Place
	2nd Place
	3rd Place
11	Are you active credit user?
	Have a regular credit payment
	Use a credit line
	Have a mortgage credit
	Do not have a credit and do not use any credit line
12	How can you assess your overall "trust level"?
	Trust Bank(s)
	Trust Mobile Operator(s)
	Trust Bank(s) and Mobile Operator(s)
	Do not trust both Bank(s) and Mobile Operator(s)
13	How do you usually pay your phone bills and utilities?
	By cash in bank branches
	BY cash terminal or ATMs
	Online payments (internet)
	By mobile device via any application ( Mobilbank, hesabaz, etc.)
14	Which online payments systems do you use?
	Hesab.az
	Hokumet Odenish Portali
	Azericard
	Azerpost
	Other
	I do not use any
15	Do use Azercell Mobilbank service?
	Yes
	No
	Have no info about this service
16	How do you assess possibility of payments from your mobile number balance directly? It can be utilities, phone bills, parking, shopping etc.
	It will be useful for micropayments (utilities etc. up to 50 AZN)
	It will be useful for app payments Appstore, Playmarket, etc.
	It will be useful for different payments
	I`m not interested
	I do not understand what it is
17	Are you willing to pay for the service mentioned in Question 16?
	Yes , as %of a payment amount, For instance 0.5%-1%
	Yes, a fixed fee 0.20-0.50 AZN
	No any charges
18	How do you assess possibility of money transfers from your mobile number to another one within the country? (cash-out is also possible)?
	It will be useful

	It will not be useful
	I`m not interested
19	Are you willing to pay for the service mentioned in Question 18?
	Yes , as %of a payment amount, For instance 0.5%-1%
	Yes, a fixed fee 0.20-0.50 AZN
	Yes, for cash-out only
	No any charges
20	Any comments or suggestions about mobile financial services?

Questionnaires Results.

Question1.

Question2.

Question 3.

Question.4

Question.5

Question.6

Question.7

Question.8

Question.9

Question.10

Question.11

Question.12

Question.13

Question.14

Question.15

Question.16

Question.17

Question.18

Question.19

Question.20

Appendix.3