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    Wyświetlanie 1-2 z 2
    Tytuł:
    OCZEKIWANIA KONSUMENTÓW DOTYCZĄCE INSTRUMENTU PŁATNICZEGO A ROZWÓJ INNOWACYJNYCH FORM PŁATNOŚCI
    Development of payment innovations in the context of consumer expectations regarding payment instruments
    Autorzy:
    Harasim, Janina
    Klimontowicz, Monika
    Powiązania:
    https://bibliotekanauki.pl/articles/950885.pdf
    Data publikacji:
    2014
    Wydawca:
    Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu
    Tematy:
    payment innovations
    contactless cards
    mobile payments
    online payments
    Opis:
    The article aims at evaluating the potential for development of innovative payment instruments in Poland taking into account customers’ expectations and preferences. Consumer choices in this respect are based mainly on costs, safety, convenience, ease of use and time needed to make payment with each instrument. To evaluate the significance of these factors in the process of decision making the research was carried out by means of face to face interviews with a sample of 300 respondents. The results show that traditional payment instruments such as cash, debit and credit cards or credit transfer are valued high by Polish consumers. In contrast, innovative payment instruments are considered to be more expensive and less safe, but faster and easier to use. The findings lead to the conclusion that radical changes in consumer payment habits in Poland are very unlikely and should not be expected in the nearest future.
    Źródło:
    Financial Sciences. Nauki o Finansach; 2014, 1(18); 113-123
    2080-5993
    2449-9811
    Pojawia się w:
    Financial Sciences. Nauki o Finansach
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    Payment Features and Incentives as Drivers for Non-Cash Payments Usage – the Evidence from Poland
    Autorzy:
    Harasim, Janina
    Klimontowicz, Monika
    Powiązania:
    https://bibliotekanauki.pl/articles/2168379.pdf
    Data publikacji:
    2022
    Wydawca:
    Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
    Tematy:
    cash usage
    payment features
    payment choices
    discounts and surcharges
    price incentives
    contactless payments
    Opis:
    Theoretical background: There is evidence that sustainable economic growth is strictly connected with non-cash payments development. Nevertheless, in many countries, cash still remains the dominant means of payment. Cash can be treated as a store of value and a means of payment. The paper focuses on its transactional function and addresses the need to recognise drivers that can shift consumers away from cash.Purpose of the article: The paper aims to analyse what features of payment instruments and what kind of incentives could convince consumers to switch from cash to non-cash payments.Research methods: The data analysed were collected during the first survey on this topic conducted in 2018 on a representative sample of Polish consumers. The selected statistical methods were applied to analyse research data. Among them are correlation analysis and Thurstone’s method of paired comparisons to analyse preferences and association (co-occurrence) for exploring consumers’ preferences related to their payment choices.Main findings: The results show that in Poland consumers’ payment choices are driven rather by the cost than other payment instrument features such as speed, convenience or security. These results are consistent with the greater sensitivity of Polish consumers to financial incentives than material bonuses or tax benefits. The analysis has also shown a statistically significant correlation between the kind of incentive and the consumer’s characteristics.
    Źródło:
    Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2022, 56, 3; 37-59
    0459-9586
    2449-8513
    Pojawia się w:
    Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
      Wyświetlanie 1-2 z 2

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