粽子的包法图解,网址导航,疯狂的夜晚
Cash Physical risk = Financial risk > Time loss risk > Psychological risk > Performance risk. Characteristics % Sex Male 50.3 Female 49.7 Status EPS users 28.8 EPS non-users 71.2 Marital status Married 15.8 Single 84.2 Yearly income Less than HK$50,000 1.7 HK$50,001-HK$100,000 70.1 HK$100,001-HK$150,00 23.7 HK$150,001-HK$200,00 4.5 Education Secondary school 37.9 Matriculation 44.1 Polytechnic/technical institute 13.6 University 4.5 Job Clerk, white collar 48.6 Worker, blue collar 20.9 Professional (e.g. accountant, solicitor, etc.) 6.8 Technical (e.g. engineer, programmer, etc.) 9.6 Middle/senior management 14.1 Table I. Demographic Profiles of Respondents (Sample Size = 177) 1 2 3 4 5 6 Physical risk Low High 1 2 3 4 5 6 Performance risk 1 2 3 4 5 6 Financial risk 1 2 3 4 5 6 Psychological risk 1 2 3 4 5 6 Time loss risk Cash payment Credit card payment Electronic funds transfer at point of sale (EFTPoS) Figure 1. Comparison of Perceived Risk for Alternative Payment Methods 32 INTERNATIONAL JOURNAL OF BANK MARKETING 12,8 Credit card Performance risk = Time loss risk > Financial risk > Physical risk > Psychological risk. EFTPoS Financial risk = Performance risk > Time loss risk > Psychological risk > Physical risk. Overall, the following observations can be made: (1) All three payment methods have relatively low psychological risk. The respondents feel no difference in self-image by using any one of the three alternatives. (2) EFTPoS has lowest physical risk, credit card has lowest psychological risk and highest time loss risk, while cash has highest physical risk and lowest performance risk. (3) The five dimensions of perceived risk for credit card vary in a similar pattern as the EFTPoS. Both credit card and EFTPoS have low physical and psychological risk but are high in the remaining risk dimensions. (4) The relative importance ranking of the five risk dimensions is different among the three alternative payment methods. Comparison of Each Risk Dimension among Alternative Payment Methods The t-test results of the comparison of different risk dimensions among alternative payment methods are shown in Table II. It can be seen that the higher performance risk of EFTPoS, particularly in large purchases, works against its acceptance. Consumers prefer to use cash because they consider that cash has universal acceptance at all purchase situations. Currently only a small number of shops have installed the additional expensive EPS |
