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

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habit is present, the pain of paying effect ceases to exist (Zellermayer 1996:67). Thus it may be that where a payment mode is the preferred mode, given the findings of the present study, the concept of pain associated with the parting of cash may need to be re-examined. 133
Table 7.13: Mean Item Score: Field Study 134 Positive Emotions Debit Card (4) Mean Debit Cash Q33) I would feel relaxed ($100 D/Card) 2.8 2.5 4. Q31) I would feel confident ($100 D/Card) 2.8 2.2 5. Q32) I would feel secured ($100 D/Card) 2.8 2.1 6. Q34) I would feel affluent ($100 D/Card) 3.3 2.7 Social and Personal Gratification (6) Q6) I like the sensation I get when I hold my debit card in my hand 3.9 3.4 Q2) Using a debit card gives me higher social status 3.8 3.4 Q21) Using my debit card to pay for purchases is pleasurable 1.6 3.1 Q11) I spend more when I use cash to pay for purchases 4.0 3.1 Q16) Paying by cash reduces the pleasure of shopping 3.6 2.6 Q3) Debit cards are more sophisticated than cash (coins/notes) 3.1 2.9 Positive Emotions Cash (4) Q20) If I had a $100 note in my wallet I would feel assured 3.0 2.5 Q17) If I had a $100 note in my wallet I would feel secure 3.0 2.3 Q28) If I had a $100 note in my wallet I would feel relaxed 3.1 2.6 Q23) If I had a $100 note in my wallet I would feel confident 3.0 2.4 Money Management (6) Q12) I am more likely to overspend when I use a debit card 2.7 2.7 Q30) I am aware of how much I spend when I use a debit card to pay for purchases 2.4 2.0 Q10) I tend to over- estimate the amount of money I have in my debit card account 3.1 3.0 Q24 I often feel upset when I check my debit card statements 3.2 2.7 Q26) Using cash to pay for purchases helps me reduce my spending 2.7 2.2 Q8) I would restrict my spending if I could only pay by cash 2.3 2.2 Mentally Spent (3) Q25) If I had a $100 note in my wallet I would consider it spent 3.2 3.0 Q15) If I have cash in my wallet it is money to be spent 2.8 2.8 Q7) If I had a $20 note in my wallet I would consider it spent 3.1 3.0 Gift Mode(3) Q14) If someone gave me a pre-paid gift card of $100 I would spend it on something special Q19) If someone gave me a $100 cash as a gift I would spend it on something special Q5) If a gift of $100 were deposited into my debit account I would spend it on something special Behaviour (2) 2.2 2.2 2.7 2.3 3.3 2.3 Q22) Having money in a debit card is safer than having it in a wallet 1.6 2.2 Q9) A debit card is convenient to use 1.5 2.5 Awareness (2) Q1) I am aware of how much I spend when I use cash to pay for purchases 1.6 1.0 Q29) I compare prices when I use cash to pay for my purchases 2.5 1.5 Negative Emotions (2) Q18) If I had a $100 note in my wallet I would be reluctant to spend it 3.2 2.8 Q27 I feel sad when I use cash to pay for purchases 3.6 3.7 Awareness/sensation (2) Q13 I like the sensation I get when I hold a $100 note in my hand 2.5 1.9 Q30 I am aware of how much I spend when I use a debit card to pay for purchases 2.4 2.0
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Cash or Card: Consumer Perceptions
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Chapter Four: Research Design and M
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List of Figures Figure 6.1 Sree Plo
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List of Tables Table 6.1. Explorato
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Acknowledgement The research idea i
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Abstract This study examines the co
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the payment mode selected impacts o
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Identifying the exact origin of anc
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1.5: Study Locus and Context The av
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compare participants normal or pref
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Chapter 2 provides a critical revie
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2.2: The Emergence of the Money Con
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commodity (bullion) and issued the
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2.5: Payment Mode and Purchase Beha
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and Belmont (1996) found that resta
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Households’ Spending’ run by th
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students (n=37) were also asked to
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enefit of consumption and the assoc
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associated with the purchase of ple
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A number of explanations for how pa
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2.6.5: Summary As this review of th
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Questions one and two are based on
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and label" events and occurrences,
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Thaler (1998) asserts that mental a
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If this is so then it is the transp
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The Chapter contends that the payme
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In this chapter, the methodology fo
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solid data, the issue of generalisa
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the experience. To do this requires
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as participants managed to link the
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4.4.2: Participant Selection There
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were initially examined via a test-
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set, in addition to the payment mod
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There are two major validity threat
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The Chapter commences by describing
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of all three projective tests. A fu
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However the negative thoughts diffe
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cold. It seems that money in the de
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thought the shoe (that was linked t
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Exhibit 5.6: Summary of findings $2
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denominations ($5, $10). On the oth
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Emotions (see Exhibit 5.7g) The mos
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� It is just when I can hear coin
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� I don’t feel that when I see
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Exhibit 5.7 (c) LIQUIDITY � if I
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Exhibit 5.8. Quotes for PMP Scale.
Page 93 and 94: 82 Using cash to pay for purchases
Page 95 and 96: 84 Using a debit card to pay for tr
Page 97 and 98: ` 86 If I had a $20 note in my wall
Page 99 and 100: 88 Chapter Six Development and Vali
Page 101 and 102: latent variable determines the obse
Page 103 and 104: oot (sqrt) was applied to normalize
Page 105 and 106: Exploratory Factor Analysis reveale
Page 107 and 108: 96 Table 6.2: Inter-Item and Item-t
Page 109 and 110: 98 Exhibit 6.5: 49 Item Scale in Pr
Page 111 and 112: 6.4.2: Pre-Test Two - Internal Cons
Page 113 and 114: The 45 items were examined to facto
Page 115 and 116: 6.4.4: Pre Test Two - Final Factor
Page 117 and 118: 6.4.6: Assessing Construct Validity
Page 119 and 120: used to measure individual construc
Page 121 and 122: 110 Exhibit 6.9: Pre-Test Items Rem
Page 123 and 124: Table 6.14: Summary of Final Result
Page 125 and 126: All dimensions (Table 6.16) show AV
Page 127 and 128: 7.1: Chapter Overview 116 Chapter S
Page 129 and 130: Four product categories of househol
Page 131 and 132: Since the use of cash and debit car
Page 133 and 134: 7.4.1.2: Control Group-Test Groups
Page 135 and 136: 7.4.2: Proposition Two Evaluation T
Page 137 and 138: 126 Table 7.8: Indulgence Food Prod
Page 139 and 140: 128 Exhibit 7.2: Proposition Two: E
Page 141 and 142: 130 Table 7.12: Comparisons of Fact
Page 143: Proposition Two that- where consume
Page 147 and 148: Research Question One: Do the cogni
Page 149 and 150: token is used, perceptions and beha
Page 151 and 152: would spend it on something special
Page 153 and 154: 8.4: Methodological Contribution Th
Page 155 and 156: 144 � The priming regarding the s
Page 157 and 158: it may be prudent for governments,
Page 159 and 160: Bechara, A., & Damasio, A. (2005).
Page 161 and 162: Carruthers, B., & Babb, S. (1996).
Page 163 and 164: Dohrenwend, B. P., Itzhak Levav, P.
Page 165 and 166: Garcia-Swartz, D., Hahn, W. R., & L
Page 167 and 168: Hair, J. F., Black, W. C., Babin, B
Page 169 and 170: Kassarjian, H. H. (1977). Content a
Page 171 and 172: Loix, E. Pepermans, R. Van Hove, L.
Page 173 and 174: Nielsen Research (2011, August) Nie
Page 175 and 176: Reimann & Bechara (2009) The somati
Page 177 and 178: Singh (2004) Impersonalisation of e
Page 179 and 180: Trent, J. & Smalley, G. (1992) The
Page 181 and 182: Zelizer, V. (1994). The social mean
Page 183 and 184: its usage. This in turn points out
Page 185 and 186: Adam Smith proposed that money is s
Page 187 and 188: During the 1950s, researchers began
Page 189 and 190: use of borrowed money. The introduc
Page 191 and 192: Appendix 2: Projective Tasks- Workb
Page 193 and 194: TASK THREE For this activity you wi
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TASK SIX Shopping experience using
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Activity Two Tick five traits/chara
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Appendix 3: Moderator Guide When pa
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important. Individual opinions and
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192 Write few sentences describing
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Appendix 5: Projective Tests- Theme
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Appendix 7: Projective Tool (Debit
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