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ELECTRONIC FUEL CARDS: CHALLENGES AND BENEFITS: A STUDY OF TOTAL PETROLEUM GHANA LIMITED FUEL CARD (TOMCARD)
ABSTRACT
This study investigates the challenges and benefits of Tomcard, an electronic fuel card of Total
Petroleum Ghana Limited and examine why people prefer physical cash transactions to the
Tomcard. Though electronic payments have several benefits for users, patronage in developing
economy including Africa has always been below average. Though Total Petroleum Ghana
Limited introduced electronic payment in 2003, the proportion of sale through the fuel card has
not increased much. Therefore, this study gathered data in a field survey of two hundred (200)
users of Tomcard from ten (10) companies. The random sampling technique was employed at
the various companies because it gives each member of the population an equal chance of being
selected for the study. The tools used for the collection of the primary data were questionnaires
and interview. The study found that the Tomcard is a better alternative to cash transactions, safe
and offered better security. Furthermore, it is more convenient to use as compared to cash,
reduces misuse of cash and risk of theft. The use of fuel cards also enables users to budget for
specific products and services. However, the challenges of using the Tomcard include the
difficulty of accessing top up at the station, unclear and faded receipts, restrictive payments and
top ups and unavailability of detailed reports via SMS or Web. Furthermore, users bear greater
liability for fraudulent transaction. These challenges may explain why patronage of the Tomcard
may not have improved much. The study therefore recommends that in order to encourage more
people to use the Tomcard, TPGL should make access to top ups easier, load cards on time and
fix frequent breakdown of electronic payment terminals promptly. Besides, TPGL should
arrange for users of the Tomcard to check top up via text or short code as well as access their
detailed reports by SMS and the Web.
TABLE OF CONTENT
Title page- – – – – – – – – i
Approval page – – – – – – – -ii
Dedication – – – – – – – – -iii
Acknowledgement – – – – – – – -iv
Abstract – – – – – – – – – -v
Table of content – – – – – – – -vi
CHAPTER ONE
INTRODUCTION – – – – – – – -1
1.0 Background of the study – – – – -1
1.1 Statement of the problem – – – – -5
1.2 Purpose of the study – – – – – -6
1.3 Significance of the study – – – – -8
1.4 Research questions – – – – – -9
1.5 Scope of the study – – – – – – -10
CHAPTER TWO
LITERATURE REVIEW – – – – – – -11
CHAPTER THREE
Research methodology – – – – – – -39
Design of study – – – – – – – -40
CHAPTER FOUR
Presentation, analysis and interpretation of data – -48
CHAPTER FIVE
Summary of findings – – – – – – -60
Conclusion – – – – – – – – -61
Recommendations – – – – – – – -62
Suggestions for further research – – – – -64
References – – – – – – – – -65
Appendix I – – – – — – – – -68
Questionnaire. – – – – – – – -69
