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

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Exhibit 6.5: 49 Item Scale in Pre-test Two
1. I am not conscious of how much I spend when paying by cash
2. Using a debit card gives me higher social status
3. Debit cards are more sophisticated than cash (coins/notes)
4. I spend more when I use my debit card
5. If I had a $100 note in my wallet I would feel affluent
6. I like using cash to pay for my purchases
7. If a gift of $100 were deposited into my debit account I would probably use it to buy something special
8. I tend to think I have more money in my debit card account than I actually have
9. If I had a $20 note in my wallet I would consider it spent.
10. I would restrict my spending if I could only pay by cash
11. I buy fewer unnecessary items when I use cash to pay for my purchases
12. A debit card provides convenience, ease
13. I tend to over- estimate the amount of money I have in my debit card account.
14. I feel unsafe and at risk if I have a lot of money in my wallet
15. Using a debit card to pay for transactions reduces the joy of shopping
16. I am more likely to overspend when I use a debit card
17. I like the sensation I get when I hold a $100 note in my hand
18. If someone gave me a gift card of $100 I would spend it on something special
19. If I have cash in my wallet is money to be spent
20. I like the sensation I get when I hold my debit card in my hand
21. I don’t like to use cash as it reduces the pleasure of shopping
22. I like having cash (coins/notes) in my wallet
23. If I had a $100 note in my wallet I would feel secure
24. I feel sad when I use cash to pay for purchases
25. If I had a $100 note in my wallet I would be reluctant to spend it
26. If someone gave me a $100 note as a gift I would spend it on something special
27. If I had a $100 note in my wallet I would feel assured
28. I feel sad when I use my debit card to pay for purchase
29. If I had a $100 note in my wallet I would feel uneasy
30. I am more likely to buy less necessary items when I use a debit card to pay for items
31. I prefer to use cash to pay majority of my day to day purchases
32. Using my debit card to pay for purchases is pleasurable
33. Having money in a debit card is safer than having it in a wallet
34. Using a debit card helps me manage my budget/ money
35. If I had a $100 note in my wallet I would feel confident
36. I often feel angry when I check my debit card statements
37. If I had a $100 note in my wallet I would consider it spent
38. Using cash to pay for purchases reduce my spending
39. I prefer to to use a debit card to pay for the majority of my day to day purchases
40. Using my debit card to pay for purchases is pleasurable
41. If I had a $100 note in my wallet I would feel relaxed
42. I compare prices when I use cash to pay for my purchases
43. 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:
44. I would be reluctant to spend it
45. I would feel uneasy
46. I would feel confident
47. I would feel secure
48. I would feel relaxed
49. I would feel affluent