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

`
86
If I had a $20 note in my wallet I would consider it spent.
I think cash $20 is very disposal and once broken reduces in value.
To me $20 cash is low value and will be spent on small items.
When I hold $20 cash I feel is common and I do lots of buying with cash; it vanishes before I start realising where I spent the money. It also reminds me of stack of bill.
I won’t think much to spend cash $20 to buy unnecessary things
I don’t have to analyse every twenty dollar I spent. I realise that $20 doesn't go very far-so it’s a small expenditure. $20 note is a bit of mental threshold when evaluating being thrifty vs. having a blow out.
$20 is standard amount to carry in wallet. It is common and is intended for everyday use. I think cash $20 is very disposal and once broken reduces in value.
$20 cash means day to day expenses. Once withdrawn is the money to be spent on necessities.
Most places will accept a debit card
I often use cash to buy vegetables from local shops where they only accept EFTPOS or cash. I prefer using cash as it is acceptable everywhere.
Debit card is easy to use everywhere in New Zealand
$100 in debit card as I often use it (by me anyway).
When I hold this $100 in debit card, I feel that it is very familiar and I use it every day. It also feels like a credit card, without having the credit limit but I can use it buy online such as air ticket.
I would restrict my spending if I could only pay by cash
Holding $20 cash means restriction to spending, it hurts when I spend it. It is ready cash.
$20 cash means day to day expenses. I like the colour green. I tend to withdraw cash from ATM to control my spending behaviour.
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.
Holding $20 cash means restriction to spending, it hurts when I spend it. It is ready cash.
$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.
Stressed because I would have to check all the prices and not go over $200. I would spend less; watch the budget more closely. I will also worry about carrying cash.
I buy fewer unnecessary items when I use cash to pay for my purchases
I would stick strictly to the shopping list. But I would reassess at the checkout & if went over would send non essential items back. This is my actual weekly budget and I can stick to it would not buy any wine that
week though.
I would buy cheaper options for example home brands and wine on specials. I would also need to take a calculator to make sure you did not surpass two hundred dollars
When I can only use cash to pay I look for discounted items
I’m glad because I’m spending cash. I know how much should spend. These days grocery is expensive so I can do the grocery shopping. I buy what I need, and what’s on special.
I will no but any luxury item and basic only; I would only buy those items that are necessary rather than stockpiling.
I would check prices closely, only get essentials. Look for budget products, probably a quick shop.
A debit card provides convenience, ease
I feel that $100 in debit card provides convenience, ease, and safety in day to day life. However, I do not like the option that some else can watch over my shoulder where and what I spend the money.
I tend to over- estimate the amount of money I have in my debit card account.
A bit secretive, I don't know what the balance is; it isn't as upfront as cash. It is difficult to keep track of money coming and going.
I think people get addicted to swipe card and indulge in materialistic life
I think that $100 debit card is intangible money stored somewhere that I have no idea
I have no emotional attachment to $100 in debit card; I do not feel excited. It is just numbers to me.
$100 in debit card is not real
I do feel money in debit card is unreal and kind of intangible. It is hard to keep track of my spending if I am not fully aware of my spending habit.
I feel unsafe and at risk if I have a lot of money in my wallet
� I hardly use cash unless going to a flee market.
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.
Using my debit card to pay for purchases helps reduce my spending
� The money in card can't be broken up for one purchase and the rest to be spent on something else. Feels like that it can't be lost/stolen as easily.
I have control over it. I use $100 in debit card as budget tool.
If I had a $100 note in my wallet I would be reluctant to use the $100 note to pay for a low cost item (e.g. something under $5)
� For me cash or debit card is same as both stores value.
� It does not hurt breaking $20 note compared to $100 note. I often carry around $20 in my wallet to buy low cost item.
$100 cash is powerful, because of the value and its purchasing power. $100 cash is useful and always desirable. Make me feel want it more and more. I will not break this loved possession, once broken it’s gone.