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http://hdl.handle.net/10397/93651
Title: | An empirical study of payment technologies, the psychology of consumption, and spending behavior in a retailing context | Authors: | SeeTo, EWK Ngai, EWT |
Issue Date: | Apr-2019 | Source: | Information and management, Apr. 2019, v. 56, no. 3, p. 329-342 | Abstract: | Our study investigates differences in spending behavior among consumers using three alternative payment technologies: cash, credit cards, and stored value contactless smart cards. We provide a deeper understanding of how different payment mechanisms directly impact consumer spending behavior in a retailing context, their influences on customers’ psychology of consumption, and perceptions of payment technologies. We show that the payment process can do so by significantly affecting the subjective awareness of spending only. In contrast, the source of money can affect perceived payment security only. Both perceived security and convenience have little effect on spending behavior. | Keywords: | Pain of paying Payment mechanism Payment technology Psychology of consumption Spending behavior |
Publisher: | Elsevier | Journal: | Information and management | ISSN: | 0378-7206 | EISSN: | 1872-7530 | DOI: | 10.1016/j.im.2018.07.007 | Rights: | © 2018 Elsevier Inc. All rights reserved. © 2018. This manuscript version is made available under the CC-BY-NC-ND 4.0 license http://creativecommons.org/licenses/by-nc-nd/4.0/. The following publication See-To, E. W., & Ngai, E. W. (2019). An empirical study of payment technologies, the psychology of consumption, and spending behavior in a retailing context. Information & Management, 56(3), 329-342 is available at https://doi.org/10.1016/j.im.2018.07.007. |
Appears in Collections: | Journal/Magazine Article |
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Ngai_Empirical_Study_Payment.pdf | Pre-Published version | 1.12 MB | Adobe PDF | View/Open |
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