Cash or Card: Consumer Perceptions of Payment Modes - Scholarly ...

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Exhibit 6.3: Pre-Test One -Scale Items
1. I use cash to buy cheap items
2. I check my debit account balance regularly
3. Using cash to pay for purchases is pleasurable
4. Cash is old-fashioned
5. Cash (coins/notes) can be used everywhere
6. Most places will accept a debit card
7. When I can only use cash to pay I look for discounted items
8. If I had a $100 note in my wallet I would be reluctant to use the $100 note to pay for a low cost item
9. Debit cards are modern
10. I like the restraint I feel when I use cash to pay for my purchases
11. A debit card does not restrict how much I spend
12. I think of cash/notes in my wallet as ‘problem solvers’
13. I am more likely to use my debit card and not cash to buy luxury items
14. Most places will accept cash
15. Using a debit card saves time
16. I use cash to pay for the majority of my day to day purchases
17. I think of my debit card as a ‘problem solver’
18. I restrict how much I spend when using cash to pay for my purchases
19. I am not conscious of how much I spend when paying by cash
20. Using a debit card gives me higher social status
21. Debit cards are more sophisticated than cash (coins/notes)
22. I spend more when I use my debit card
23. If I had a $100 note in my wallet I would feel affluent
24. I like using cash to pay for my purchases
25. If a gift of $100 were deposited into my debit account I would probably use it to buy something special
26. I tend to think I have more money in my debit card account than I actually have
27. If I had a $20 note in my wallet I would consider it spent.
28. I would restrict my spending if I could only pay by cash
29. I buy fewer unnecessary items when I use cash to pay for my purchases
30. A debit card provides convenience, ease
31. I tend to over-estimate the amount of money I have in my debit card account.
32. I feel unsafe and at risk if I have a lot of money in my wallet
33. Using a debit card to pay for transactions reduces the joy of shopping
34. I am more likely to overspend when I use a debit card
35. I like the sensation I get when I hold a $100 note in my hand
36. If someone gave me a gift card of $100 I would spend it on something special
37. If I have cash in my wallet it is money to be spent
38. I like the sensation I get when I hold my debit card in my hand
39. I don’t like to use cash as it reduces the pleasure of shopping
40. I like having cash (coins/notes) in my wallet
41. If I had a $100 note in my wallet I would feel secure
42. I feel sad when I use cash to pay for purchases
43. If I had a $100 note in my wallet I would be reluctant to spend it
44. If someone gave me a $100 note as a gift I would spend it on something special
45. If I had a $100 note in my wallet I would feel assured
46. I feel sad when I use my debit card to pay for purchase
47. If a gift of $100 were deposited into my debit account I would probably not use it to buy something special
48. If I had a $100 note in my wallet I would feel uneasy
49. I am more likely to buy less necessary items when I use a debit card to pay for items
50. I prefer to use cash to pay for the majority of my day to day purchases
51. Using my debit card to pay for purchases is pleasurable
52. Having money in a debit card is safer than having it in a wallet
53. Using a debit card helps me manage my budget/ money
54. If I had a $100 note in my wallet I would feel confident
55. I often feel angry when I check my debit card statements
56. If I had a $100 note in my wallet I would consider it spent
57. I prefer to use a debit card to pay for the majority of my day to day purchases
58. Using my debit card to pay for purchases is pleasurable
59. If I had a $100 note in my wallet I would feel relaxed
60. I compare prices when I use cash to pay for my purchases
61. I would not be conscious of how much I spend if I use a debit card to pay for purchases
Consider that you have a debit card with $100 available to use and tell us how you would respond to the following statements:
62. I would be reluctant to spend it
63. I would feel uneasy
64. I would feel confident
65. I would feel secure
66. I would feel relaxed
67. I would feel affluent