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

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