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

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I hereby declare that this submission is my own work and that, to the best of my knowledge and belief, it contains no material previously published or written by another person (except where explicitly defined in the acknowledgements), nor material which to a substantial extent has been submitted for the award of any other degree or diploma of a university or other institution of higher learning. Jashim Khan Lecturer Marketing School of Business AUT University viii
Acknowledgement The research idea is an outcome of personal observation and intensive three months content formulation of the study. Those discussions later formed the foundation for this PhD. A special thanks goes to AUT business school staff and colleagues. If there is something called “more than special” that goes to my co-supervisors: Professor Russell Belk and Professor Margaret Craig-Lees for listening to my ideas, exploring with me and being there to guide me through this PhD journey. I would like to express my gratitude to those who have supported me throughout PhD, and my academic endeavour. Special thanks to Professor: Ken Hyde, Roger Baxter, Sanjaya Gaur, Mark Glyn, Roger Marshall, and Arch Woodside, Dr. Sushma Bhat, Professor Murray Black from Mathematics discipline AUT University. Thank you for guiding my learning. Thank you to those who helped me in other regards such as data collection, entry and focus group administration. Many thanks to those who participated in this study. Special thanks to Alison Norman and Eathar Abdul-Ghani for all the required support. Finally, thank you to my daughter Alina Khan, my wife Na Khan without your support this goal would have been hard to achieve. Finally, beloved Mum, my father who saw me starting PhD degree but did not see the completion. Your encouragement still rings in my memory and will always be. I am grateful to have been brought up in an environment that encouraged making the most of great opportunities; this has allowed my passion for learning and prosper. ix
Page 1 and 2: Cash or Card: Consumer Perceptions
Page 3 and 4: Chapter Four: Research Design and M
Page 5 and 6: List of Figures Figure 6.1 Sree Plo
Page 7: List of Tables Table 6.1. Explorato
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 and 60:
as participants managed to link the
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4.4.2: Participant Selection There
Page 63 and 64:
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
Page 105 and 106:
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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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).
Page 163 and 164:
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
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
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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
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TASK THREE For this activity you wi
Page 195 and 196:
TASK SIX Shopping experience using
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Activity Two Tick five traits/chara
Page 199 and 200:
Appendix 3: Moderator Guide When pa
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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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