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but not necessarily lead to financial loss. (2) Performance risk. The risk that a specific payment method cannot be used to complete a transaction when needed due to refusal of acceptance or additional charges asked by the retailer. (3) Psychological risk. The risk that the use of a specific payment method will lower the self-image of the consumer or the perceived image of the consumer from others’ viewpoint. (4) Financial risk. The risk that using a payment alternative will lead to financial loss. Financial loss means that the consumer cannot get a refund when needed or is not able to reverse the transaction or 30 INTERNATIONAL JOURNAL OF BANK MARKETING 12,8 to stop payment after discovering the mistake. However, it does not include the loss of credit float when using cash or EFTPoS. (5) Time-loss risk. The risk that a specific payment method will take up more time to complete a transaction than paying by other means. It does not include the time spent after use of EFTPoS (e.g. checking extra payment items in account statements) as these are rather minimal and controllable. Based on the risk dimensions discussed above, the following research questions will be investigated in the current study: (1) Does the relative importance ranking of the five risk dimensions differ among the three alternative payment methods? (2) For each risk dimension, does the level of perceived risk differ among the three alternative payment methods? (3) For each risk dimension of alternative payment methods, do large purchases have a higher level of perceived risk than small purchases? (4) For each risk dimension, do EFTPoS users have a lower level of perceived risk about EFTPoS payment than non-users? Altogether, this study will involve a combination of five dimensions of perceived risk: three alternative payment methods (cash, credit card and EFTPoS) and two purchasing amounts (small and large). Research Method and Design Design of Questionnaire The research instrument, with both English and Chinese versions, consists of a self-administered closed-end structured questionnaire which is divided into three parts (see Appendix). The first part is used to collect general information about the usage of ATM card and EPS services. The second part is concerned with the respondents’ perceived risk associated with the use of cash, credit card and EPS under two different purchase situations. This part is further divided into two sub-parts: the first sub-part deals only with the small purchase situation and the second sub-part deals with the large purchase situation. Each sub-part is further divided in three sections, with each section containing the same set |
