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

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If I had a $100 note in my wallet I would be reluctant to spend it
I will buy essential and day to day items using cash; however, I will not spend too much, just buy grocery for the week. I will make sure I have enough money left over to pay for utilities
(water, electricity). If I have $100 I would most likely to save it. Cash makes me feel like saving as I see it.
I think $100 cash is more physical, tangible and makes me feel rich, excited and I want to keep this money as it is without breaking. Breaking $100 hurts when it is for small purchases.
$100 in debit card is same as cash but have to be careful not to overspend
If someone gave me a $100 note as a gift I would spend it on something special
Cash $100 received as gift. I will use the money to buy things for my children. May be I will deposit the money in my child’s bank account. Depending on my financial situation I might use this
money to pay bills.
I will be embarrassed to think that my mother thinks I am going through financial hardship. On the other hand I will thank her for such a sweet thought.
I will be very pleased and appreciate this gift to buy something special for myself. It is warm and appreciation.
Cash $100 received from my mother as gift would make me happy. I will indulge myself to alcohol & drinks; well it will be time to party. I will make sure I have $ 20 left over for my hangover
feed.
I will be thankful to my mother for giving me $100 cash as gift. It is also nice and thoughtful of my mother. Next I will think about what I can buy for myself with this gift money. I might have a
decent hair cut with this money.
The word that comes to my mind associated with cash $100 gift is generous, beauty treatment, useful, and wanted.
If I receive $100 cash as gift from my mother is a gesture of generosity. I might feel guilt spending the money on myself so I will spend on my child to buy baby clothes.
$ 50 cash received as gift is like token money waiting to be spent. I will buy a nice top for myself.
I will feel lucky, thankful, needed, generous, surprised and personal to receive $100 cash as gift from my mother.
Spend that $100 in buying earrings and jackets.
I would use the money to go out to a café with my niece or one of my sisters.
When I receive Cash $100 as gift I straightaway feel joy. I think it is special and could be spent on dinning out. It also reminds me of thank you to the person, gratitude towards the giver and I
will definitely use that money to treat myself.
That's lovely. I'll buy some clothes and show then to you on Sunday, or perhaps shoes for my baby.
I will be grateful that my mother is thoughtful to think that I am missing out of treat and this $100 can be used to buy treat for myself. First thought will be what treat I should get. Do I need to
keep the money separate and tell her later on what things I bought? Overall I will be surprised and excited.
When I receive $100 cash as gift, I am thankful to the giver and happy to put with other money together to spend on necessities.
$100 cash gift from my mother will annoy me initial as she got me again. However, I will be pleased to receive it and spend the money to buy something special for me and my family
I feel great. I need to put this $100 aside to buy something in particular with it. Otherwise if I put in my wallet it will just disappear in the lot of other money i.e. household spending.
If I had a $100 note in my wallet I would feel assured
Cash $20 is not the assured possessions but can be used for a bit of cheap fun such as takeaways, DVD etc. on the other hand if I have $100 note in my wallet I do feel assured unless the note
is broken
I feel sad when I use my debit card to pay for purchase
When I have cash I know how much I have before I go shopping and how much I have afterwards. I can see what I have spent. But with a debit card I don’t know. You don’t have the same
feeling. I generally feel guilt and as a consequence sad.
If a gift of $100 were deposited into my debit account I would probably not use it to buy something special
I will not regard $100 direct debited to my account as gift. This amount of money will be lost within my savings and after someday I will forget about it.
$100 as gift in my account from my mother has no emotional attachment. I will be angry as this undermines my financial situation. It is just a number in the A/C.
The word that comes to my mind associated with $100 direct debited to my account as gift is disappeared, not tangible, forgotten, boring and impersonal.
A debit card does not restrict how much I spend
I would purchase my normal amount of shopping and any remaining amount would stay in the account untouched.
When I am holding this debit card with $100 in it makes smile and thinking about what I could spend it on.
When I use debit card I tend to spend more and I simply get trackless of how much I have spent and how much is left. I hate to check balance, it simply hurts me.
If there was no option of overdraft I would behave and feel restrained and will probably shop carefully.
Feels less restrictive, can go over if I need to so can be a bit more carefree and get some extras if I see them.
I try to control my spending, as otherwise I would overspend with my card.’
With cash I can feel how much I have spent, with a debit card, I do not … encourages spending
Feels less restrictive, can go over if I need to so can be a bit more carefree and get some extras if I see them.
Debit card gives me an impression of overspending buy goods that I really do not need. I think money in debit card fulfils want rather than basic need.