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The moderating role of income on consumers' preferences and usage for online and offline payment methods

Lookup NU author(s): Dr Eric See-To, Professor Savvas PapagiannidisORCiD


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In this paper we examine consumer attitudes towards a payment method, which is a key factor affecting the probability of completing a transaction offline and online. More specifically, we constructed a model that surveyed the offline and online usage of prepaid e-cash, debit cards, credit cards and cash. User perceptions of the attractiveness of e-cash and various traditional payment means were also empirically assessed. Consumer attitudes towards a payment technology were found to be influential on users’ perceptions in both online and offline environments. User perceptions of offline purchases with a payment technology had significant and positive effects on the corresponding online usage perceptions. The effects of our research model are contingent on the income level of users. Our findings have significant implications, as they could help shed light on why consumers abandon their shopping carts and do not complete their transactions, which could potentially play a significant role when it comes to designing applications targeting specific consumer segments.

Publication metadata

Author(s): See-To E, Papagiannidis S, Westland JC

Publication type: Article

Publication status: Published

Journal: Electronic Commerce Research

Year: 2014

Volume: 14

Issue: 2

Pages: 189-213

Print publication date: 12/02/2014

ISSN (print): 1389-5753

ISSN (electronic): 1572-9362

Publisher: Springer US


DOI: 10.1007/s10660-014-9138-3


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