Accesso libero

The Move Towards Cashless Society: How to Improve Consumers’ Use of Bank Cards in Retail Stores?

INFORMAZIONI SU QUESTO ARTICOLO

Cita

Agarwal, R., Ahuja, M., Carter, P., & Gans, M. 1998. Early and late adopters of IT innovations: extensions to innovation diffusion theory. Working Paper. Retrieved July 22, 2019, from http://disc-nt.cba.uh.edu/chin/digit98/panel2.pdf. Search in Google Scholar

Ajzen, I. 1991. The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50, 179–211. Search in Google Scholar

Ajzen, I. & Madden, T.J. (1986). Prediction of goal-directed behavior: attitudes, intention, and perceived behavioral control. Journal of Experimental Social Psychology, 22, 453–474.10.1016/0022-1031(86)90045-4 Search in Google Scholar

Ajzen, I., & Gilbert-Cote, N. 2008. Attitude and the prediction of behavior. In W. D. Crano and R. Prislin (Eds.). Attitude and attitude change. New York: Psychology Press, 289 – 312. Search in Google Scholar

Arango, C., Huynh, K.P., & Sabetti, L. 2015. Consumer payment choice: Merchant card acceptance versus pricing incentives, Journal of Banking & Finance, 55, 130–141. Search in Google Scholar

Asih, D., Setinib, M., Soelton, M., Muna, N., Putra, C., Darma, D.C., & Judiarni, J. A. 2020. Predicting green product consumption using theory of planned behavior and reasoned action. Management Science Letters, 10, 3367-3374. Search in Google Scholar

Bagozzi, R.P. 1992. The self-regulation of attitudes, intentions, and behaviour, Social Psychology Quarterly, 55(2), 178–204. Search in Google Scholar

Bagozzi, R.P., & Yi, Y. 1988. On the evaluation of structural equation models. Journal of the Academy of Marketing Science, 16(1), 74 – 94. Search in Google Scholar

Baptista, G. & Oliveira, T. 2016. A weight and a meta-analysis on mobile banking acceptance research, Computers in Human Behavior, 63(1), 480-489. Search in Google Scholar

Baxter, R. 2009. Reflective and Formative Metrics of Relationship Value: A Commentary Essay. Journal of Business Research, 61, 1370 – 1377. Search in Google Scholar

Bosnjak, M., Obermeier, D., & Tuten, T.L. 2006. Predicting and explaining the propensity to bid in online auctions: a comparison of two action-theoretical models. Journal of Consumer Behavior, 5, 102–116. Search in Google Scholar

Bounie, D., & François, A. 2006. Cash, check or bank card? The effects of transaction characteristics on the use of payment instruments. Working paper, ESS-06-05, Telecom Paris economics and social sciences.10.2139/ssrn.891791 Search in Google Scholar

Cao, M. & Zhang, Q. 2004. Web site quality and usability in E-commerce. In Gao Y. (Eds), Web systems design and online consumer behavior, Idea Group Inc (IGI), 107 – 124. Search in Google Scholar

Chen, H., Huynh, K.P. & Shy, O., 2019. Cash versus card: Payment discontinuities and the burden of holding coins, Journal of Banking & Finance, 99(C), 192-201.10.1016/j.jbankfin.2018.12.009 Search in Google Scholar

Cheng, T.C.E., Lam, D.Y.C., & Yeung, A.C.L. 2006. Adoption of internet banking: an empirical study in Hong Kong. Decision Support System, 42(3), 1558–1572. Search in Google Scholar

Chin, W.W. 1998. Issues and opinion on structural equation modelling. MIS Quarterly, 22(1), 7 – 16. Search in Google Scholar

Davis, F.D., Bagozzi, R., & Warshaw, P.R. 1989. User acceptance of computer technology. Management Science, 35(8), 982–1003. Search in Google Scholar

Durkin, T.A. & Price, N. 2000. Credit cards: use and consumer attitudes, 1970-2000. Federal Reserve Bulletin, 82(9), 623 – 634. Search in Google Scholar

Fishbein, M. & Ajzen, I. 1975. Belief, attitude, intention, and behaviour: An introduction to theory and research, Addison-Wesley, Reading, MA. Search in Google Scholar

Fornell, C.D., & Larcker, F. 1981. Evaluating structural equation models with unobservable variables and measurement errors. Journal of Marketing Research, 18(3), 39 – 50. Search in Google Scholar

Fung, B., Huynh, K. & Stuber, G. 2015. The Use of Cash in Canada,” Bank of Canada Review, Bank of Canada, 45-56. Search in Google Scholar

Geisser, S. (1975). The predictive sample reuse method with applications. Journal of the American Statistical Association, 70, 320 – 328.10.1080/01621459.1975.10479865 Search in Google Scholar

Global Payments Report (2018), The art and science of global payments A definitive report from Worldpay, November, Retrieved July 22, 2019, from https://www.paymentscardsandmobile.com/wp-content/uploads/2018/11/Global-Payments-Report_Digital-2018.pdf Search in Google Scholar

Giovanis, A., Athanasopoulou, P. Assimakopoulos, C. Sarmaniotis, C. (2019). Adoption of mobile banking services: A comparative analysis of four competing theoretical models, International Journal of Bank Marketing, 37(5), 1165-1189, https://doi.org/10.1108/IJBM-08-2018-020010.1108/IJBM-08-2018-0200 Search in Google Scholar

Giovanis, A. & Athanasopoulou, P. 2017. Factors influencing the adoption of m-banking in Greece, Proceedings of 5th International Conference on Contemporary Marketing Issues ICCMI, Thessaloniki, 291-298. Search in Google Scholar

Greenacre, L. & Akbar, S., 2019. The impact of payment method on shopping behaviour among low income consumers, Journal of Retailing and Consumer Services, 47(C), 87-93.10.1016/j.jretconser.2018.11.004 Search in Google Scholar

Grégoire, Y., & Fisher, R. J. 2006. The effects of relationship quality on customer retaliation. Marketing Letters, 17(1), 31 – 46. Search in Google Scholar

Groß, M. 2015. Exploring the acceptance of technology for mobile shopping: an empirical investigation among Smartphone users, The International Review of Retail, Distribution and Consumer Research, 25(3), 215-23510.1080/09593969.2014.988280 Search in Google Scholar

Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. 2017. A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM), 2nd Ed., Thousand Oakes, CA: Sage. Search in Google Scholar

Hansen, J., Saridakis, G. & Benson, V. 2017. Risk, trust, and the interaction of perceived ease of use and behavioral control in predicting consumers’ use of social media for transactions. Computers in Human Behavior, 80, 197-206. Search in Google Scholar

Henseler, J., Ringle, C. M., & Sarstedt, M. 2015. A New Criterion for Assessing Discriminant Validity in Variance-based Structural Equation Modeling. Journal of the Academy of Marketing Science, 43(1), 115–135. Search in Google Scholar

Hirschman, E.C. 1979. Differences in consumer purchase behavior by credit card payment. Journal of Consumer Research, 6(1), 58–66. Search in Google Scholar

Humbani, M. & Wiese, M. 2018, A Cashless Society for All: Determining Consumers’ Readiness to Adopt Mobile Payment Services, Journal of African Business, 19(3), 409-429. Search in Google Scholar

Hulland, J., 1999. Use of Partial Least Squares (PLS) in strategic management research: a review of four recent studies. Strategic Management Journal, 20(2), 195 – 204.10.1002/(SICI)1097-0266(199902)20:2<195::AID-SMJ13>3.0.CO;2-7 Search in Google Scholar

Jonker, N. (2019), What Drives the Adoption of Crypto-Payments by Online Retailers?, Electronic Commerce Research and Applications, 35, May–June, doi: https://doi.org/10.1016/j.elerap.2019.10084810.1016/j.elerap.2019.100848 Search in Google Scholar

Kalinic, Z., Marinkovic, V., Molinillo, S., Liébana-Cabanillas, F. 2019. A multi-analytical approach to peer-to-peer mobile payment acceptance prediction. Journal of Retailing and Consumer Services, 49, 143–153. Search in Google Scholar

Kesharwani, A., & Bisht, S.S, 2012. The impact of trust and perceived risk on internet banking adoption in India: An extension of technology acceptance model. International Journal of Bank Marketing, 30(4), 303 – 322.10.1108/02652321211236923 Search in Google Scholar

Khasawneh, M.H.A. & Irshaidat, R. 2017, Empirical validation of the decomposed theory of planned behaviour model within the mobile banking adoption context, International Journal of Electronic Marketing and Retailing, 8(1), 58-76. Search in Google Scholar

Kim, K. K., Shin, H. K., & Kim, B. 2011. The role of psychological traits and social factors in using new mobile communication services. Electronic Commerce Research and Applications, 10, 408–417. Search in Google Scholar

Kumar, R. & O’Brien, S. 2019, The 2019 Findings from the Diary of Consumer Payment Choice, Cash Product Office Federal Reserve System, Jun, Retrieved May 12, 2020, from https://www.frbsf.org/cash/publications/fed-notes/2019/june/2019-findings-from-the-diaryof-consumer-payment-choice/ Search in Google Scholar

Lee, M.C. 2009, Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit, Electronic Commerce Research and Applications, 8, 130–141. Search in Google Scholar

Liu, M.T., Brock, J.L, Singh, R., Chu, R., & Sy-Changco, J. 2012. What drives Indian consumer credit card loyalty? The perspective of involvement in reward programmes, The International Review of Retail, Distribution and Consumer Research, 22(4), 365-383, DOI: 10.1080/09593969.2012.690776.10.1080/09593969.2012.690776 Search in Google Scholar

Mahran, A.F.A. & Enaba H.M.L. 2011. Exploring Determinants Influencing the Intention to Use Mobile Payment Service, International Journal of Customer Relationship Marketing and Management, 2(4), 17-37. Search in Google Scholar

Mathieson, K. 1991. Predicting user intentions comparing the technology acceptance model with the theory of planned behavior. Information Systems Research, 2(3), 173–191. Search in Google Scholar

Park, H.-J. & Burns, L. D. 2005. Fashion orientation, credit card use, and compulsive buying, Journal of Consumer Marketing, 22(3), 135-141. Search in Google Scholar

Riemenschneider, C.K, Harrison, D.A., & Mykytyn, P.P. 2003. Understanding IT adoption decisions in small business: integrating current theories. Information and Management, 40, 269–85. Search in Google Scholar

Riemenschneider, C. K., Harrison, D. A., & Mykytyn, P. P. 2003. Understanding it adoption decisions in small business: Integrating current theories. Information and Management, 40(4), 269-285. https://doi.org/10.1016/S0378-7206(02)00010-110.1016/S0378-7206(02)00010-1 Search in Google Scholar

Ringle, C.M., Wende, S., & Becker, J.-M. 2015. SmartPLS 3. Bönningstedt: SmartPLS. Retrieved July 22, 2019, from http://www.smartpls.com Search in Google Scholar

Saigal, K. 2020. Cashless after Covid-19? Retrieved May 12, 2020, from: https://www.euromoney.com/article/b1l0fc800bd85v/cashless-after-covid-19?copyrightInfo=true Search in Google Scholar

Schuh, S., and Stavins, J. 2010. Why are (some) consumers (finally) writing fewer checks? The role of payment characteristics. Journal of Banking & Finance, 34(8), 1745–1758. Search in Google Scholar

See-To E.W.K, Ngai E.W.T, 2018. An Empirical Study of Payment Technologies, the Psychology of Consumption, and Spending Behavior in a Retailing Context, Information and Management, 56(3), April, 329-342, https://doi.org/10.1016/j.im.2018.07.00710.1016/j.im.2018.07.007 Search in Google Scholar

Shih, Y., & Fang, K. 2004. The use of a decomposed theory of planned behaviour to study Internet banking in Taiwan. Internet Research, 14(3), 213 – 223. Search in Google Scholar

Shu W. & Cheng, C.Y 2012, How to improve consumer attitudes toward using credit cards online: An experimental study, Electronic Commerce Research and Applications 11, 335–345.10.1016/j.elerap.2012.01.003 Search in Google Scholar

Sotiropoulos, V., & d’Astous, A. 2013. Attitudinal, Self-Efficacy, and Social Norms Determinants of Young Consumers’ Propensity to Overspend on Credit Cards, Journal of Consumption Policy, 36, 179–196. Search in Google Scholar

Stone, M. 1974. Cross-validatory choice and assessment of statistical predictions. Journal of the Royal Statistical Society, 36(2), 111 – 147. Search in Google Scholar

Taylor, S., & Todd, P.A. 1995a. Understanding information technology usage: a test of competing models. Information systems Research, 6(2), 144–176. Search in Google Scholar

Taylor, S. & Todd, P.A. 1995b. Decomposition and crossover effects in the theory of planned behaviour: A study of consumer adoption intentions. International Journal of Research in Marketing, 12(2), 137 – 155. Search in Google Scholar

Teoh, W.M.-Y., Chong, S.-C., & Yong, S.M. 2013. Exploring the factors influencing credit card spending behavior among Malaysians. International Journal of Bank Marketing, 31(6), 481–500. Search in Google Scholar

Venkatesh, V. & Bala, H. 2008. Technology acceptance model 3 and a research agenda on interventions. Decision Science, 39(2), 273–315. Search in Google Scholar

Venkatesh, V., Morris, M., Davis, G. & Davis, F. 2003. User acceptance of information technology: toward a unified view. MIS Quarterly, 27, 425–478. Search in Google Scholar

Watkins, J.P. 2000. The corporate power and the evolution of consumer credit. Journal of Economic Issues, 34(4), 909–33. Search in Google Scholar

World Cash Report 2018. The World Cash Report 2018, G4S Cash Solutions and Payments Advisory Group, Retrieved July 22, 2019, from https://cashessentials.org/app/uploads/2018/07/2018-world-cash-report.pdf Search in Google Scholar

Yang K., & Jolly L.D., 2009. The effects of consumer perceived value and subjective norm on mobile data service adoption between American and Korean consumers. Journal of Retailing and Consumer Services, 16, 502–508.10.1016/j.jretconser.2009.08.005 Search in Google Scholar

Yousafzai S., & Yani-de-Soriano M., 2012. Understanding customer-specific factors underpinning internet banking adoption. International Journal of Bank Marketing, 30(1), 60 – 81.10.1108/02652321211195703 Search in Google Scholar

Zafar U. A., Ishak I., M. Sadiq S., Ibrahim T., & Hasbalaila A., 2010. Malaysian consumers’ credit card usage behavior. Asia Pacific Journal of Marketing and Logistics, 22(4), 528–544.10.1108/13555851011090547 Search in Google Scholar

Zellermayer, O. 1996. The pain of paying. Unpublished Ph.D. Dissertation. Carnegie Mellon University. Search in Google Scholar