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From physical to digital : investigating consumer behaviour of switching to mobile wallet

Treść / Zawartość
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Warianty tytułu
PL
Od fizycznego do cyfrowego : badanie zachowania konsumenckiego przestawiania się na portfel mobilny
Języki publikacji
EN
Abstrakty
EN
Even though the digital payment methods are taking the intention of scholars nowadays as new trend to investigate it, there are still few studies that examine the consumer switching decision from the traditional way to digital way while performing the payments. Besides, the monetary market has some substitution effects; as users care about security, ease to use and the wide acceptance for the payment method they are using. The main aim of this research is to investigate the witching attitude and intention from the traditional payment by using the bank notes, debit or credit card or what called physical wallet to digital one by using mobile apps for doing payments. In total, 140 surveys were emailed to UNIKL business school’s staff, 98 questionnaires were returned fully answered and able to use. The results showed that perceived usefulness and perceived ease of use are effective factors into consumer attitude towards switching. Moreover, the relation between the attitude and the intention is significant while the perceived risk pull down the level of this effect.
PL
Mimo, że metody płatności cyfrowych są obecnie przedmiotem badań naukowych jako nowy trend, wciąż niewiele jest badań, które analizowałyby zmianę decyzji konsumenta z tradycyjnego sposobu na cyfrowy w trakcie dokonywania płatności. Poza tym na rynku pieniężnym występują pewne efekty substytucyjne; ponieważ użytkownicy dbają o bezpieczeństwo, łatwość obsługi i szeroką akceptację dla używanej metody płatności. Głównym celem tych badań jest zbadanie zamiany i zamiaru od tradycyjnej płatności za pomocą banknotów, kart debetowych lub kredytowych, co nazywamy portfelem fizycznym, do portfela cyfrowego za pomocą płatniczych aplikacji mobilnych. Ogółem wysłano pocztą elektroniczną do pracowników UNIKL 140 e-maile z ankietami, zwrócono 98 pełnych odpowiedzi, które można było wykorzystać w badaniach. Wyniki pokazały, że postrzegana użyteczność i postrzegana łatwość użycia są czynnikami efektywnymi w nastawieniu konsumentów do zmiany. Ponadto relacja między postawą a intencją jest znacząca, a postrzegane ryzyko obniża poziom tego efektu.
Rocznik
Strony
18--30
Opis fizyczny
Bibliogr. 51 poz., rys., tab.
Twórcy
autor
  • Universiti Kuala Lumpur, Business School
autor
  • Universiti Kuala Lumpur, Business School
autor
  • Universiti Kuala Lumpur, Business School
autor
  • Accounting and Finance Department, Universiti Putra Malaysia, Malaysia
Bibliografia
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Uwagi
Opracowanie rekordu w ramach umowy 509/P-DUN/2018 ze środków MNiSW przeznaczonych na działalność upowszechniającą naukę (2018).
Typ dokumentu
Bibliografia
Identyfikator YADDA
bwmeta1.element.baztech-1e1a8571-28b3-4ebe-9b0f-9d66bb1afc54
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