Determinants of Non-Cash Payments

Goczek, Łukasz; Witkowski, Bartosz

doi:10.2139/ssrn.2648824

Cited by 9 publications

(5 citation statements)

References 18 publications

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“…Hal (2014) considers that debit and credit cards are the most desirable payment system for achieving the benefits of the seven above identified dimensions, which is being confirmed by the increasing number of operators that have adopted card payments. Goczek & Witkowski (2015) used econometric models to analyze the determinants of the development of the card payment system. The study used survey data in Poland to conclude that demographic, social and economic variables have a significant influence on the number of card payment transactions.…”

Section: Payments In E-commercementioning

confidence: 99%

Perceptions and Trends of Booking Online Payments in Tourism

Almeida

Mota

2019

JoTS

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Online booking services for accommodation have gained increasing importance in the tourist services provided by tour operators. This study intends to identify the main dimensions that characterize each of the payment methods and, for each of them, seeks to characterize the tourists' perception of the main advantages and limitations associated with them. This study adopts a quantitative analysis methodology through the use of an online survey. A final sample of 238 responses was considered. The data were explored using Stata software and adopting statistical inference methods based on the analysis of variance. The findings allow us to conclude that cash payment is the payment method that simultaneously presents better availability and easiness. However, it is also the most insecure of the considered payment methods. For its part, the debit card is considered the safest method. This study didn’t intend to analyze the evolution of these payment methods over time. Furthermore, other emerging payment methods such as NFC, QR codes, mobile wallets have gained recent relevance and may be interesting their inclusion in future studies. The results are mainly relevant for tourism agencies and demonstrate that tourists’ perception is conditioned mainly by their age and the number of performed trips.

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Section: Payments In E-commercementioning

confidence: 99%

Perceptions and Trends of Booking Online Payments in Tourism

Almeida

Mota

2019

JoTS

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“…Achievement of the relevant level of development of the cashless transactions system allows reduction of costs of issuing and circulation, i.e., it enables decrease in costs related to delivery and storage of cash by all entities within the economy (Goczek and Witkowski, 2015). Of course, cashless transactions also an impact on transparency.…”

Section: State Of the Artmentioning

confidence: 99%

“…There are many reasons of their importance to business. They include development of the card payment system which has enabled reduction of money issue and circulation and thereby led to significant economic gains (Goczek and Witkowski, 2015).…”

Section: Introductionmentioning

confidence: 99%

Consumer‘s Behaviour Regarding Cashless Payments during the Covid-19 Pandemic

Kulisz¹,

Bojanowska²,

Toborek³

2021

ERSJ

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Purpose: The objective of the paper was to define the current attitudes of Poles vs. cashless transactions and their perception of the related risk of Covid-19 infection. Design/Methodology/Approach: The research method involved a survey, and the research tool was a survey questionnaire distributed by a research agency. The target-amount selection procedure was applied and the sample structure corresponds to the structure of the Polish population with respect to the studied features. The survey sample included 1000 respondents. Findings: The studied population (of Polish consumers) were less willing to pay with cash during the pandemic than beforehand. This is related with avoiding contact with cash, as well as easy documentation of transactions, increasing their transparency. During the pandemic Polish consumers were more willing to shop at Polish online shops or retail services (e.g. Allegro) than foreign ones (e.g., AliExpress). However, the study shows that Polish customers are more cautious in their shopping decisions during the pandemic, being afraid to lose financial liquidity. Practical Implications: The pandemic led to landslide changes in consumer behaviours and habits. Identification of the current shape of Polish customers' attitudes to cashless transactions and their perception of the associated risk of Covid-19 infection is important for all market entities related directly or indirectly to such transactions. Nowadays, it is difficult to even think of a business with no such needs. Originality/Value: The study presented in the paper is original because there was no research on cashless payments in relation to shopping risk. The article displays an original approach to the subject. The 2020 pandemic itself allows for observation of customers in a completely new situation and development of an entirely new area of consumer behaviour research.

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“…In parallel, telecommunication and banking companies, including major banks like Mandiri, BRI, BNI, and BCA, are entering the e-money market. Fintech startups like Tokocash, BukaDompet, and GoPay are also making their mark in the Indonesian financial technology landscape [14][15][16].Non-cash payments, crucial in addressing financial transparency and reducing corruption, are typically made through bank transfers, either between banks or within a single bank's network [17][18][19]. They can also be facilitated by bank-issued tools like ATM cards, debit cards, and electronic money (e-money).…”

mentioning

confidence: 99%

“…Non-cash payments, crucial in addressing financial transparency and reducing corruption, are typically made through bank transfers, either between banks or within a single bank's network [17][18][19]. They can also be facilitated by bank-issued tools like ATM cards, debit cards, and electronic money (e-money).…”

mentioning

confidence: 99%

Understanding E-Money Preferences Among Students: A Case Study at FEBI UIN Ar-Raniry, Banda Aceh, Indonesia

Muksalmina,

Ahmadsyah,

Dianah

2023

Grimsa J. Bus. Econ. Stud.

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As digital financial transactions continue to gain traction globally, understanding the factors that influence the adoption of electronic money (e-money) is crucial. This research paper delves into the behavioral aspects behind the use of e-money within a specific academic community. In a quantitative study carried out at Ar-Raniry State Islamic University's Faculty of Islamic Economics and Business (FEBI), we investigated the impact of utility, convenience, and security on students' interest in selecting e-money as their preferred payment method. The randomized sample of 97 students represented the faculty's diverse population. Our findings emphasize the critical roles of utility and convenience in shaping students' interest in e-money adoption, with attributes like speed, efficiency, and practicality significantly driving their embrace of electronic payment solutions. The research underscores the importance of designing e-money systems that prioritize utility and convenience to attract users, particularly in educational settings, while also providing insights for policymakers and financial institutions seeking to promote digital financial inclusion.

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Determinants of Non-Cash Payments

Cited by 9 publications

References 18 publications

Perceptions and Trends of Booking Online Payments in Tourism

Perceptions and Trends of Booking Online Payments in Tourism

Consumer‘s Behaviour Regarding Cashless Payments during the Covid-19 Pandemic

Understanding E-Money Preferences Among Students: A Case Study at FEBI UIN Ar-Raniry, Banda Aceh, Indonesia

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