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

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Using cash to pay for purchases helps be reduce my spending
I see cash $100 as my personal saving.
$100 cash means fun and excitement of possessing the money. I withdraw cash to control my spending behaviour. Small amount of cash in wallet also makes feel secured and happy.
When I am holding cash $100 note, I feel excited, I am holding money; $100 cash in my possession which brings possibilities of doing something for myself and my family.
Holding $20 cash means restriction to spending, it hurts when I spend it. It is ready cash.
Holding $100 cash makes me feel yum. It is easier to understand and keep track of spending mainly because it is tangible.
Good, restricts my expenditure will find something for $200 or close to not much lower i.e. up to $200, then I might make a game out of how under $200 I can go, that is smart shopping
I normally use a debit card to pay for the majority of my day to day purchases
When I think about $100 in debit card, the words that come to my mind is EFTPOS, shopping, food, new shoes for my daughter, and every day.
$100 in debit card. I use it every day.
I will be excited about having $100 money. It is my money, I have earned it. I see value rather than cash or debit card.
I think of my debit card as a ‘problem solver’
Attributes of $100 in debit card is problem solver, independent, confident, value, alterative. It is solution to a problem. I have control over it. I use $100 in debit card as budget tool.
Attributes of $100 in debit card is problem solver, relaxed, value, comfortable and casual. It helps solving small problems. It can be used for small purchases conveniently. It is valuable but
lacks transparency.
If I had a $100 note in my wallet I would feel relaxed
When I am holding cash $100 note, I feel excited, I am holding money; $100 cash in my possession which brings possibilities of doing something for myself and my family. I really feel
relaxed. I need worry and stress about money for the moment. Money in wallet makes me feel relaxed and no tension
I compare prices when I use cash to pay for my purchases
It is no different than paying by cash - although I may feel that if I didn't spend as much on the groceries what was left over would be extra savings on top of the possible savings from the
cheque account. I suppose my feelings or attitude to this would depend on whether I was saving for something particular at any given time and therefore wanted to spend up the saving
process. However if I got into a supermarket with a list I generally stick to it.
I would feel a bit safer to carry a debit card than having notes in my wallet or pocket. I would still be price conscious and add up the total as I shop.
I would check prices closely, only get essentials. Look for budget products, probably a quick shop.
I'd try to spend as close to $200 as possible ($199.99). In the cash scenario, I might feel pleased if I spend $190, and then had $10 for something during the week. I'd make a very careful
shopping list and take a calculator. I'd probably spend quite a bit of time checking brands, per amount etc. to get the best deals. I'd be ruthless and there would be no treats. Other than the
smaller amount to spend on the debit card seems the same as cash.
I will spend the same way as I use debit card.