观世音菩萨传奇全集,手机英语学习软件,我们结婚了20130720
that with EFTPoS, consumers will get better and speedier cashier services. However, in comparison to credit cards, there is also the disadvantage that their accounts are debited immediately. Despite the potential benefits offered by EFTPoS and the extensive promotion efforts made, the Easy Pay System unfortunately does not seem to share the same successful experience of its forerunners – credit cards and ATMs. The technology used in EFTPoS systems is not new. Some pilot experiments conducted overseas failed, while others achieved a marginal measure of success. The adoption rate of the EPS services remains relatively slow and only 5 per cent of the total ATM card transaction in the local JETCO ATM network were through EPS in 1992. Also, some high-volume, low-margin retailers refuse to adopt EPS because of its high transactions costs and unjustifiable return in terms of increase of sales. Overall, the worldwide spread of cashless shopping is still quite slow (Aoki, 1986; Fitzgerald, 1988; Friis, 1985; Kuroda, 1987; Sowton, 1989). The Far East is in the forefront of developments 28 INTERNATIONAL JOURNAL OF BANK MARKETING 12,8 According to Ho (1985; 1991), some potential problems or barriers to EFTPoS adoption include: consumers’ inherent resistance to change, loss of benefit of credit card float, unavailability of service when needed, fears of invasion of personal privacy, potential plastic card fraud and errors, lack of provision of leverage against a merchant or vendor in case of a dispute, and lack of adequate consumer awareness, education and participation. It may be for some of these reasons that many customers have a high perceived risk of the service and therefore seem rather reluctant to use EFTPoS. Review of Literature on EFTS Adoption To gain more insight into why the target customers accept or reject EFTPoS as an alternative payment method, it is useful to review some earlier studies on customers’ acceptance of different payment methods. Fitzgerald (1988) conducted a survey on behalf of the Payment Systems Education Association in the USA. The survey notes that consumers still favour cash and cheques for nearly all kinds of purchases. The findings indicate that 70 per cent of the 1,007 respondents regularly used cash to pay for purchases up to US$50. For purchases over US$50, 42 per cent preferred to use personal cheques, 35 per cent chose cash and 21 per cent chose credit cards, and less than 1 per cent of the respondents preferred to use debit cards for purchases. 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 |
