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

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Exhibit 4.1: Shoe Types (after Kaiser et al. 1987) Women’s Shoe Descriptions High-heeled footwear Shoes with heels 2 inches (5 cm) or higher. They are often commonly worn by women for formal occasions or social outings Kitten heels Low high heels from about 1.5 to 2 inches high, set in from the back of the shoe Sneaker boot Shoe that looks like an athletic shoe, but is equipped with a heel, making it a kin of novelty dress shoe. Wedge Sandals Sandals but have the ankles higher as if wearing a high heels shoe. Mules Shoes or slippers with no fitting around the heel (i.e. they are backless) Slingbacks Shoes which are secured by a strap behind the heel, rather than over the top of the foot. Espadrilles Casual flat or high heeled fashion sandals of a style which usually have a cotton or canvas upper and a flexible sole of rope or rubber Pumps Known in the UL as Ballerinas, are shoes with a very low heel and a relatively short vamps, exposing much of the instep. Men’s Shoe Descriptions Balmorals/Oxfords An Oxford shoe is a style of leather shoe with enclosed lacing. Bluchers/Derbys The laces are tied to two pieces of leather independently attached to vamps, also known as open lacing. Monk-straps A buckle and strap instead of lacing. Slip-ons There are no lacings or fastenings. The popular loafers are part of this category. Unisex Descriptions The flip-flop sandal Sandal with basic design and function Platform shoes Shoe with very thick soles and heels Moccasin A soft shoe without a heel and usually made of leather. Saddles shoes Leather shoes with a contrasting saddle-shaped band over the instep Slip-on shoes A casual shoe without laces, often with tassels, buckles. Boat shoe Also known as deck shoe: similar to loafer, but more casual. Laces are simple leather with no frills. Typically has soft leather to avoid scratching a boat deck Boots Long shoe covering the ankle. Slippers For indoor use, commonly worn with pyjamas. Athletic Descriptions Running shoes Emphasis on cushioning Track spikes Lightweight; often with plastic or metal cleats Cleat Usually, worn playing rugby, football, & baseball Golf shoes Soft spikes made of synthetic plastic that cause less damage to greens. Bowling shoes They have hard rubber soles so as not to damage bowling alleys floor Hiking shoes Usually have high stiff fronts with many lace eyelets to provide ankle support on uneven terrain Walking shoes More flexible sole than running shoes, lighter in weight than hiking boot. Cycling shoes Are equipped with metal or plastic cleat to interface with clip-less pedals, as well as a stiff sole to maximise power transfer. Exhibit 4.2: Workbook Tasks First Test Set: This set involved presenting participants with banks notes ($20, and $100 denominations) and a debit card. The debit card was specifically designed so that it could not be confused with cards currently in circulation - the intent being to avoid bias linked to brand name recognition. Here participants completed word association tests. Second Test Set: This set comprised three scenarios - two shopping scenarios (using cash and card payment modes) and one gift situation: Imagine yesterday was your birthday, and a special person (parent, sibling or best friend) gave you a birthday card. You opened the envelope and found a NZ $50 note in cash. What thoughts and feelings 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. Third Test Set. This set involved presenting participants with two tasks designed to allow the participants to anchor their thoughts about the notes and debit cards. This required participants to link the characteristics of shoes to the bank notes and the card. They were also requested to identify, from a bank of personality traits, those they associated with the bank notes and the 49 debit card. A full version of the final version of the work book and management protocols is in Appendix 3 Pg.15-19.
4.4.2: Participant Selection There are no guidelines as to the number of focus groups that should be used in a research project. The average Focus Group project consists of 4 to 6 groups, with some smaller projects holding only 2 or 3 groups and larger projects having as many as 10 to 15. Ritchie and Lewis (2003) advise that 4-8 would suffice. There is consensus that between 6-10 people per group is acceptable (Patton, 2002). Fifty six women volunteered, however the final participation number was thirty-one. 4.4.3: Data Collection and Analysis Data were collected via five focus group sessions (FG1-7; Fg2-6; FG3-5;FG4-6;FG5-7). Once the initial briefing was complete participants were asked to complete the work book tasks (see Exhibit 4.1). Once the work book activities were complete the session moved to a group discussion. Focus group transcripts and individual workbook data were entered into Microsoft Word as rich text file and then imported into Nvivo version 8.0. The method of analysis followed Coffey and Atkinson (1996) who suggest generating codes from data, frequently revising the codes generated, grouping codes into categories and finally developing themes from the data. This procedure indicates the chain of evidence present in the analysis and describes precisely how the classification, theme identification and linking of key properties have been made. There are two major validity threats with qualitative research: researcher bias and interviewee reactivity; that is ‘what the informant says is always influenced by the interviewer and the interview situation’ (Maxwell, 2005:109). Addressing reliability and validity issues in qualitative research is complex in that the purpose and type of data do not lend themselves to the tests normally associated with reliability and validity issues in quantitative studies (see Wallendorf & Belk, 1989; Winter, 2000). Essentially, what needs to be established in qualitative research is accuracy in terms of bias reduction in data collection, reporting and interpretation. It is important that the data 50
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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
Page 9 and 10: Acknowledgement The research idea i
Page 11 and 12: Abstract This study examines the co
Page 13 and 14: the payment mode selected impacts o
Page 15 and 16: Identifying the exact origin of anc
Page 17 and 18: 1.5: Study Locus and Context The av
Page 19 and 20: compare participants normal or pref
Page 21 and 22: Chapter 2 provides a critical revie
Page 23 and 24: 2.2: The Emergence of the Money Con
Page 25 and 26: commodity (bullion) and issued the
Page 27 and 28: 2.5: Payment Mode and Purchase Beha
Page 29 and 30: and Belmont (1996) found that resta
Page 31 and 32: Households’ Spending’ run by th
Page 33 and 34: students (n=37) were also asked to
Page 35 and 36: enefit of consumption and the assoc
Page 37 and 38: associated with the purchase of ple
Page 39 and 40: A number of explanations for how pa
Page 41 and 42: 2.6.5: Summary As this review of th
Page 43 and 44: Questions one and two are based on
Page 45 and 46: and label" events and occurrences,
Page 47 and 48: Thaler (1998) asserts that mental a
Page 49 and 50: If this is so then it is the transp
Page 51 and 52: The Chapter contends that the payme
Page 53 and 54: In this chapter, the methodology fo
Page 55 and 56: solid data, the issue of generalisa
Page 57 and 58: the experience. To do this requires
Page 59: as participants managed to link the
Page 63 and 64: were initially examined via a test-
Page 65 and 66: set, in addition to the payment mod
Page 67 and 68: There are two major validity threat
Page 69 and 70: The Chapter commences by describing
Page 71 and 72: of all three projective tests. A fu
Page 73 and 74: However the negative thoughts diffe
Page 75 and 76: cold. It seems that money in the de
Page 77 and 78: thought the shoe (that was linked t
Page 79 and 80: Exhibit 5.6: Summary of findings $2
Page 81 and 82: denominations ($5, $10). On the oth
Page 83 and 84: Emotions (see Exhibit 5.7g) The mos
Page 85 and 86: � It is just when I can hear coin
Page 87 and 88: � I don’t feel that when I see
Page 89 and 90: Exhibit 5.7 (c) LIQUIDITY � if I
Page 91 and 92: 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
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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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128 Exhibit 7.2: Proposition Two: E
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130 Table 7.12: Comparisons of Fact
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Proposition Two that- where consume
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Table 7.13: Mean Item Score: Field
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Research Question One: Do the cogni
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token is used, perceptions and beha
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would spend it on something special
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8.4: Methodological Contribution Th
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144 � The priming regarding the s
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it may be prudent for governments,
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Bechara, A., & Damasio, A. (2005).
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Carruthers, B., & Babb, S. (1996).
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Dohrenwend, B. P., Itzhak Levav, P.
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Garcia-Swartz, D., Hahn, W. R., & L
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Hair, J. F., Black, W. C., Babin, B
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Kassarjian, H. H. (1977). Content a
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Loix, E. Pepermans, R. Van Hove, L.
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Nielsen Research (2011, August) Nie
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Reimann & Bechara (2009) The somati
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Singh (2004) Impersonalisation of e
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Trent, J. & Smalley, G. (1992) The
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Zelizer, V. (1994). The social mean
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its usage. This in turn points out
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Adam Smith proposed that money is s
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During the 1950s, researchers began
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use of borrowed money. The introduc
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Appendix 2: Projective Tasks- Workb
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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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