Who uses bank debit cards?

Porter, Thomas C.; Swerdlow, Robert A.; Staples, William A.

doi:10.1016/0007-6813(79)90111-3

Cited by 15 publications

(3 citation statements)

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“…Earlier empirical studies with a focus on EFTPoS usage are rare due to the newness of the system. Earlier studies on EFTS (mainly ATM) and credit card usage were basically centred on issues such as demographic and psychographic profiles of ATM users and non‐users (Barow, 1982; Murphy, 1983; Wiley and Richard, 1974); attitudes towards credit cards and bank cards (Etzel, 1974; Mears and McCarty, 1978; Porter et al , 1979; Yiu and Kwoen, 1987); users′ prior experience of using other non‐bank cards and its relationship with EFTS adoption (Awh and Waters, 1974; Mandel, 1972; Swinyard and Ghee, 1987); and the impact of information exposure on the probability of EFTS adoption (Horne and Martin, 1981; Vinson and McVandon, 1978).…”

Section: Review Of Literature On Efts Adoptionmentioning

confidence: 99%

Customers′ Risk Perceptions of Electronic Payment Systems

Ng²

1994

International Journal of Bank Marketing

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One reason for the slow adoption rate of Electronic Fund Transfer at Point‐of‐Sale (EFTPoS) is that consumers perceive that EFTPoS has a higher level of risk than other traditional payment methods. Makes use of a concept in consumer behaviour and perceived risk to study the differences of consumers′ risk perceptions among alternative payment methods and whether these perceptions will be affected by the size of purchase and EFTPoS usage experience. The major findings are: (1) EFTPoS has the lowest physical risk and highest financial risk, the credit card has the lowest psychological risk and highest time loss risk, while cash has the highest physical risk and lowest performance risk; (2) Physical risk, financial risk and time loss risk for cash payment are significantly higher when the purchase is large, while performance risk for EFTPoS and credit card payment is significantly higher when the purchase is small; and (3) users of EFTPoS have a significantly higher level of perceived financial and time loss risk than non‐users, while non‐users have higher level of psychological risk. The overall finding is that the risk profile of EFTPoS is similar to that of the credit card but significantly different from cash.

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Section: Review Of Literature On Efts Adoptionmentioning

confidence: 99%

Customers′ Risk Perceptions of Electronic Payment Systems

Ng²

1994

International Journal of Bank Marketing

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“…The elderly also exhibit more negative perceptions toward new technologies (Pommer, Berkowitz, & Walton, 1980). As such, they have been shown to be less likely to use credit cards (Porter, Swerdlow, & Staples, 1979) and automated teller machines (Bednar, Reeves, & Lawrence, 1995). The use of the Internet for making a purchase will require reducing commitment to existing patterns of behavior and a change in attitude.…”

Section: Age and Purchase Intentionmentioning

confidence: 99%

Digital divide and purchase intention: Why demographic psychology matters

Akhter

2003

Journal of Economic Psychology

126

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In its recent report, Falling Through the Net: Toward the Digital Inclusion, The Department of Commerce concluded that digital inclusion in the US is rapidly increasing and that groups that have traditionally been digital ''have-nots'' are now making dramatic gains (www.ntia.doc.gov 2000). However, the report also drew attention to the noticeable divide that continues to persist between people with different demographic characteristics such as age, income, education, ethnicity, and marital status. Although the issue of the digital divide has received extensive coverage, reports and discussions generally highlight only one aspect of the divide; the number of people who are digitally connected and have access to the Internet. What has received inadequate attention is the divide that separates people based on how they use the Internet. From both business and public policy perspectives, this divide has far reaching consequences.The introduction of the Internet into our social system has raised theoretical questions and public policy concerns. One substantive theoretical question relates to factors that explain different uses of the Internet. For example, why are some people more likely to use the Internet for making a purchase and some less? And from a public policy perspective it would be valuable to identify people who are less likely to use the Internet.Taking an interdisciplinary approach, this paper explores relations between demographic variables and the likelihood of making a purchase over the Internet. Understanding these relations can facilitate the development of consumer profiles that can be used to segment and target customers. Similarly, these profiles can provide public policy officials with the information they need to reach people who can benefit from policies that encourage the use of the Internet.Thus, the objective of this paper is to empirically test relations between demographic characteristics and the likelihood of purchasing over the Internet.

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“…Age is a variable that can determine the consumer's reactions to all kinds of advertising input: the younger the consumer, the more open to innovations he tends to be. This has been corroborated by several studies of various products and services: bank cards (Adcock, Hirschman, & Goldstucker, 1977), automatic teller machines (Porter, Swerdlow, & Staples, 1979) and solar energy systems (Labay & Kinnear, 1981). More precisely, age can have an effect on advertising effectiveness (McKay-Nesbitt et al, 2011).…”

Section: Conceptual Framework and Hypothesesmentioning

confidence: 71%

Consumer Involvement as a Covariant Effect in Rethinking the Affective-Cognitive Relationship in Advertising Effectiveness

Vera

Espinosa

2019

Journal of Business Economics and Management

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The relationship between advertising effectiveness and behavioural intentions is assessed when involvement with the product is introduced as a direct covariant effect, rather than as a moderator. Advertising effectiveness is assessed through attitude towards the ad and advertising cognition. Advertising media type combined with age is tested as a moderating variable (younger/digital vs. older/traditional). With a sample of n = 307 consumers, a structural statistical path model is implemented to empirically test the hypotheses. It is found that involvement has an effect on attitude towards the ad and on ad cognition. Thus, it is established that the ad cognition variable, rather than attitude towards the ad, has a strong statistical effect on behavioural intentions. The model suggests that the level of the consumer’s attention to the ad depends on her/his degree of involvement with the product. Also, the evidence tends to indicate that the cognitive process through which the consumer builds purchase intentions is similar in both communication channels irrespective of age difference.

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Who uses bank debit cards?

Cited by 15 publications

References 0 publications

Customers′ Risk Perceptions of Electronic Payment Systems

Customers′ Risk Perceptions of Electronic Payment Systems

Digital divide and purchase intention: Why demographic psychology matters

Consumer Involvement as a Covariant Effect in Rethinking the Affective-Cognitive Relationship in Advertising Effectiveness

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