As Financial Knowledge based on Financial Risk Taking: The effects of financial literacy on risk tolerance has been concerned the objectives of this study are to compare levels of perceived risk and levels of financial literacy between two groups which are one who are likely to be good at financial literacy and one who do not and to analyze these linear relationships. This study is a survey research which the research methodology is mixed method. The qualitative data were collected from in-dept interview questionnaire while the quantitative data were also collected from online survey questionnaire. The population is students who enrolled in Bachelor of Business Administration in two main groups which are one who do and do not have financial literacy. The sample is students who enrolled in Department of Finance which represent one who have financial literacy and students who enrolled in Department of Information Technology which represent one who do not have financial literacy. The selection method of the sample is a purposive sampling method which surveyed fundamental financial knowledge financial behavior and perceived risk. The survey method used online survey and constructed in-depth interview. The sample were divided into three groups according to their perceived risks which are risk lovers risk neutral and risk averse. The hypothesis of this study is that there are differences between financial knowledge between sample who assessed their perceived risk themselves and who did them using a survey assessment. The results can be concluded that the population mean between two independent samples is statistically significant at level of 0.10 significance and the population mean between two groups of different methods of perceived risks is statistically significant of differences between those two means at 0.01 significance. Moreover the linear relationship which is correlation of financial literacy and perceived risk self-assessment is 0.175 (0.013) while one which is of financial literacy and perceived risk assessed by a survey is 0.160 (0.023). Thus these hypotheses are statistically significant. The suggestions are 1)financial curriculum should take a course of risk and risk management 2)investors who do not have good in financial knowledge should concern more about their investment including risk 3) investment consultant should assess the risk and perceived risk of consultee and let them know about the risks before making a investment decision 4)government should promote financial knowledge of financial planning cash management and investment allocation and risk diversification.

This research is study on influences effect of decision to use PromptPay system of Thai commercial banks. The purpose of the research is as follows. Study the confidence that effect of the choice of financial transaction services through PromptPay system. Study the marketing mix factors that effect of the decision to use financial services through PromptPay system. This research is to collect data from customer of Thai commercial banks. Thai commercial banks are as follows. Bangkok Bank Public Company Limited. Krung Thai Bank Public Company Limited. The Siam Commercial Bank Public Company Limited. Kasikorn Bank Public Company Limited. and Bank of Ayudhya Public Company Limited. The results showed that most respondents had the following: They are female. They are between 31 and 40 years old. They are single. They graduated bachelor. They are studying at the undergraduate level. They are students. They earn less than 15000 baht per month. Frequency of financial transactions is 1 time per month. They used to transfer money through mobile applications. The reason for using the mobile banking is quick and easy. and Reduce the loss of money and the cost of banking transactions are the factors that affect the choice of use PromptPay system.