塞夏h,替嫁贱婢,野甘草
groups were conducted. The comparison of risk perception between users and non-users under both large and small transactions is given in Table IV. Under the small purchase situations, there is no significant difference between users’ and nonusers’ perceived risk of EFTPoS services. The only exception is non-users’ perceived psychological risk which is higher than that of EFTPoS users. Overall, nonusers think that using EFTPoS services may affect their own image and status and so prefer to use other methods of payment. Cash Credit EFTPoS Risk Small Large t-value p-value Small Large t-value p-value Small Large t-value p-value Physical 4.13 4.55 –5.00 0.000* 3.18 3.20 –0.19 0.852 3.19 3.13 1.13 0.260 Performance 1.92 2.05 –1.62 0.106 4.09 3.84 4.15 0.000* 4.13 4.01 2.07 0.040* Psychological 3.24 3.14 1.4 0.164 2.81 2.84 –0.52 0.606 3.46 3.33 2.66 0.009* Financial 4.20 4.41 –2.25 0.026* 3.54 3.58 –0.64 0.524 4.20 4.09 1.31 0.192 Time loss 3.28 3.44 –2.06 0.041* 3.94 3.96 –0.49 0.626 3.61 3.68 –0.94 0.349 * The difference was significant at the 0.05 level Note: The figures in the first two columns under each purchase situation are the mean scores of the responses to the particular risk dimension (1 = strongly agree, 6 = strongly disagree) Table III. Difference of Perceived Risk between Small and Large Purchase More marketing research and consumer participation is required 34 INTERNATIONAL JOURNAL OF BANK MARKETING 12,8 In large purchase situations, the risk perception of users of financial risk and time loss risk are higher than that of non-users. However, psychological risk of non-users remains higher than that of users, so there is no change in the perception of psychological risk for non-users for any amount of transactions. There is no significant difference between users and non-users in perceived physical and performance risk of EFTPoS services. Overall, there are differences in financial risk, time loss risk and psychological risk between the users and nonusers group. The users group has a significantly higher level of financial and time risk than the non-users group, while the non-users group perceives that EFTPoS has a higher level of psychological risk. However, the differences in physical risk and performance risk between the two groups are not significant. The experience of using EFTPoS does affect the risk perception of the users about EFTPoS to some extent, but instead of lowering the risk, the usage experience will increase their perceived time and financial risk. Concluding Discussions www.szdhsjt.com The success of new electronic banking services is not only the problem of technology feasibility, but also the |
