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

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part of the individual to accept a symbol in place of a physical object and a social willingness on the part of the collective to evolve organizations and systems of account that could gain and hold the public trust. Though the use of money has been a facet of societies for millenniums, formal discourse on money as an economic and social phenomenon emerged during the 17th Century, initially addressed by philosophers and economists, by the 20th Century social anthropologists also presented views on the role and function of money in society. Much is written about money as an economic and social phenomena and a brief overview of this literature is described. Shefrin and Thaler (1988) argues that the money in one mental account is not a perfect substitute for money in another account. This is because people tend to categorise income and expenditure into different mental accounts and treat money differently depending on how it is labelled, thereby, violating the normative principle of fungiblity (commodities that can be traded or substituted for an equal amount of a like commodity). According to the normative principle of fungiblity- at the point of purchase, a mental accounting is opened and decision to purchase is based on evaluation of perceived benefit and cost of purchases rather than the payment form used (Prelec and Lowenstein, 1998). 179
Appendix 2: Projective Tasks- Workbook Focus Group Facilitator Details: 180 1. Dr Catherine Frethey-Bentham TNS Conversa, Auckland Catherine.Frethey-Bentham@tns-global.com Phone: +64 9 366 6880 2. Jashim Kahn PhD student Department of Marketing & Advertising AUT University 3. Margaret Craig-Lees PhD Supervisor Auckland University of Technology TASK ONE WORK BOOK For this activity you will be asked to think about the objects presented to you. We are interested in your ‘top-of- mind’ responses. These are responses that should not spend time thinking about- in essence they would be the first words/thoughts that come to mind. For this reason we would like to suggest that you complete each task in around three minutes. Activity One: This debit card will only allow you to access $100 - that is; it has money stored in it to the value of $100. What thoughts and feeling come to mind, list the words that come immediately to mind. Do not analyse your responses. Do not think about the words. Just write down your first thoughts- even if you think they are odd or strange. Try to complete the task in no more than 3 minutes
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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.
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82 Using cash to pay for purchases
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84 Using a debit card to pay for tr
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` 86 If I had a $20 note in my wall
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88 Chapter Six Development and Vali
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latent variable determines the obse
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oot (sqrt) was applied to normalize
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Exploratory Factor Analysis reveale
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96 Table 6.2: Inter-Item and Item-t
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98 Exhibit 6.5: 49 Item Scale in Pr
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6.4.2: Pre-Test Two - Internal Cons
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The 45 items were examined to facto
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6.4.4: Pre Test Two - Final Factor
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6.4.6: Assessing Construct Validity
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used to measure individual construc
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110 Exhibit 6.9: Pre-Test Items Rem
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Table 6.14: Summary of Final Result
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All dimensions (Table 6.16) show AV
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7.1: Chapter Overview 116 Chapter S
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Four product categories of househol
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Since the use of cash and debit car
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7.4.1.2: Control Group-Test Groups
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7.4.2: Proposition Two Evaluation T
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126 Table 7.8: Indulgence Food Prod
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Page 145 and 146: Table 7.13: Mean Item Score: Field
Page 147 and 148: Research Question One: Do the cogni
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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: use of borrowed money. The introduc
Page 193 and 194: TASK THREE For this activity you wi
Page 195 and 196: TASK SIX Shopping experience using
Page 197 and 198: Activity Two Tick five traits/chara
Page 199 and 200: Appendix 3: Moderator Guide When pa
Page 201 and 202: important. Individual opinions and
Page 203 and 204: 192 Write few sentences describing
Page 205 and 206: Appendix 5: Projective Tests- Theme
Page 207: Appendix 7: Projective Tool (Debit
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