About the Journal
About the Journal
Editorial Board
Scientific Council
Reviewers
Ethical Code
Special Issue
GDRP - information on the processing of personal data
Terms of the journal
Indexing
Licenses & Access
Archive
For Authors
Publishing Policy
Technical instruction for the authors
Agreement CC BY-SA
Copyright statement
Publication procedure
Contact
About the Journal
About the Journal
Editorial Board
Scientific Council
Reviewers
Ethical Code
Special Issue
GDRP - information on the processing of personal data
Terms of the journal
Indexing
Licenses & Access
The choice of payment method in online stores depending on demographic characteristics
1
Czestochowa University of Technology
These authors had equal contribution to this work
Submission date: 2023-04-12
Final revision date: 2023-12-04
Acceptance date: 2023-12-17
Publication date: 2023-12-30
JoMS 2023;53(4):557-577
KEYWORDS
TOPICS
ABSTRACT
Objectives:
The subject of consideration in this article is to determine differences in the form of payment on the Internet depending on selected characteristics of respondents.
Material and methods:
The main research problem in this aspect was to answer the question: What types of payment instruments are used in distance transactions depending on gender, place of residence and age? The time scope of the analysis covers the period from October 2022 to February 2023. The basic research method was the CAPI method, based on a questionnaire. In order to verify the hypotheses, statistical analyzes were carried out using the IBM SPSS Statistics 26 package. It was used to analyze basic descriptive statistics together with the Shapiro-Wilk test for normality of distributions of quantitative variables. The study involved 399 people, which is a relatively small sample, so the Mann-Whitney test was an appropriate choice. The Mann-Whitney test was used to compare two independent samples in terms of their distribution. Sample 1 was women and sample 2 was men.
Results:
The Mann-Whitney test showed that the distribution of favorite payment methods among women and men is different. This means that women and men prefer different payment methods. Both women and men prefer to pay cash for online purchases. For women, the second most popular non-cash payment method is cards, and for men - bank transfer. Other non-cash methods, such as direct debit, voucher, loyalty points or PayPal, are less popular among both groups.
Conclusions:
This study contributes to existing research by offering an analysis of data on Polish consumers' payment methods. The part of the article indicates possible directions of development of the PayTech sector throughout the world and in Poland specifically.
The subject of consideration in this article is to determine differences in the form of payment on the Internet depending on selected characteristics of respondents.
Material and methods:
The main research problem in this aspect was to answer the question: What types of payment instruments are used in distance transactions depending on gender, place of residence and age? The time scope of the analysis covers the period from October 2022 to February 2023. The basic research method was the CAPI method, based on a questionnaire. In order to verify the hypotheses, statistical analyzes were carried out using the IBM SPSS Statistics 26 package. It was used to analyze basic descriptive statistics together with the Shapiro-Wilk test for normality of distributions of quantitative variables. The study involved 399 people, which is a relatively small sample, so the Mann-Whitney test was an appropriate choice. The Mann-Whitney test was used to compare two independent samples in terms of their distribution. Sample 1 was women and sample 2 was men.
Results:
The Mann-Whitney test showed that the distribution of favorite payment methods among women and men is different. This means that women and men prefer different payment methods. Both women and men prefer to pay cash for online purchases. For women, the second most popular non-cash payment method is cards, and for men - bank transfer. Other non-cash methods, such as direct debit, voucher, loyalty points or PayPal, are less popular among both groups.
Conclusions:
This study contributes to existing research by offering an analysis of data on Polish consumers' payment methods. The part of the article indicates possible directions of development of the PayTech sector throughout the world and in Poland specifically.
License
REFERENCES (48)
1.
Adamczyk, G., Capetillo-Ponce, J., Szczygielski, D. (2020). Compulsive Buying in Poland. An Empirical Study of People Married or in a Stable Relationship, 43, 593–610. Journal Consumer Policy.
2.
Ahmad, M., A. (2013). Effect of e-Commerce on accounting information system, computerization process, and cost productivity, 1(1), 1–6. American Journal of Computer Technology and Application.
3.
Al-Debei, M.,M., Akroush, M.,N., Ashouri, M.,I. (2015). Consumer attitudes towards online shopping, 25, 707–733. Internet Research.
4.
Alessa, A., A., Alotaibie, T., M., Elmoez, Z., Alhamad, H. E. (2021). Impact of COVID-19 on entrepreneurship and consumer behaviour: A case study in Saudi Arabia. 8(5), 201-210. The Journal of Asian Finance, Economics and Business.
5.
Al-Sartawi, A., Sanad, Z. (2019). Institutional ownership and corporate governance: evidence from Bahrain, 9(1), 101-115. Afro-Asian Journal of Finance and Accounting.
6.
Andersen, A.,L., Hansen,E., T., Johannesen, N., Sheridan, A.. (2020). Consumer Responses to the COVID19 Crisis: Evidence from Bank Account Transaction Data, 1-30. SSRN Electron. Journal.
7.
Barkhordari, M., Nourollah, Z., Mashayekhi, H., Mashayekhi, Y., Ahangar, M. S. (2017). Factors influencing adoption of e-payment systems: an empirical study on Iranian customers. 15(1), 89–116. Information Systems and E-Business Management.
8.
Barnett, T., Pearson, A. W., Pearson, R., & Kellermanns, F. W. (2015). Five-factor Model Personality Traits as Predictors of Perceived and Actual Usage of Technology, 24(4), 374–390. European Journal of Information Systems.
9.
Bergman, M., Guibourg, G.,Segendorf, B. (2007) The Costs of Paying–Private and Social Costs of Cash and Card Payments, 212, 1–32. Sver. Riksbank Work. Paper Ser.
10.
Boden, J., Maier, E., Wilken, R. (2020). The effect of credit card versus mobile payment on convenience and consumers’ willingness to pay, 52, 101910. Journal of Retailing and Consumer Services.
11.
Bounie, D., Abel, F., Patrick, W. (2016). Debit card and demand for Cash, 73, 55–66. Journal of Banking and Finance.
12.
Brush, T. ,H., Dangol, R., O’Brien, J., P. (2012). Customer capabilities, switching costs, and bank performance, 30, 1499-1515. Strategic Management Journal.
13.
Carranza, R., Díaz, E., Camacho, C. S., Consuegra, D., M. (2021). E-Banking Adoption: An Opportunity for Customer Value Co-creation, 11-2020, 1-20. Front. Psychol., Sec. Organizational Psychology. https://doi.org/10.3389/fpsyg.....
14.
Chen, Z., He, X. (2020). E-Payments in China and Sweden – A Comparative Study of Alipay and Swish JÖNKÖPING University. Dostęp 31.03.2012 z https://www.diva-portal.org/sm....
15.
Elhajjar, S., Ouaida, F. (2019). An analysis of factors affecting mobile banking adoption, 38, 352–367. International Journal of Bank Marketing.
16.
Gan, P.,T. (2019) Economic uncertainty, precautionary motive and the augmented form of money demand function, 16, 397–423. Evolutionary and Institutional Economics Review.
17.
Huang, S.,M., Shen, W.,C, Yen, D.,C., Chou, L.,Y. I., T. (2011) Governance: Objectives and assurances in internet banking, 27(2), 406-414. Advances in Accounting.
18.
Hwang, T.-J., Rabheru, K., Peisah, C., Reichman, W., Ikeda, M. (2017). Loneliness and social isolation during the COVID-19 pandemic, 32(10),1217–1220. International Psychogeriatrics Journal. doi: 10.1017/S1041610220000988.
19.
Jahangir, N., Begum, N. (2008). The role of perceived usefulness, perceived ease of use, security and privacy, and customer attitude to engender customer adaptation in the context of electronic banking, 2(2), 32–40. African Journal of Business Management.
20.
Jonker, N. (2007)Payment Instruments as Perceived by Consumers–Results from a Household Survey, 155, 271–303. De Economist.
21.
Kahn, C., M., Liñares-Zegarra, J., M. (2015). Identity theft and consumer payment choice: does security really matter? , 1-39. Journal of Financial Services Research.
22.
Kańciak, A. (2013). Problematyka cyberprzestępczości w Unii Europejskiej, 8, 109-120. Przegląd Bezpieczeństwa Wewnętrznego.
23.
Kang, S., Hwang, I., Song, S. (2018). Cash hoarding: Vice or virtue, 53, 94–116. Journal of International Financial Markets, Institutions and Money.
24.
Kim, C., Tao, W., Shin, N., Kim, K.,S. (2010). An empirical study of customers’ perceptions of security and trust in e-payment systems, 9 (1), 84-94. Electronic Commerce Research and Applications.
25.
Ko, Y.-M., Roh, S.,Lee, T.,K. (2020). The Association of Problematic Internet Shopping with Dissociation among South Korean Internet, 17, 3235. International Journal of Environmental Research and Public Health.
26.
Lau, M. M., Lam, A. Y. C., Cheung, R., Leung, T. F. (2019). Understanding determinants of customer behavioral intention in using mobile payment at convenience stores, 357–362. In ACM International Conference Proceeding Series. New York, New York, USA: ACM Press.
27.
Lawrence, J., E., Tar, U., A. (2010). Barriers to E-Commerce in Developing Countries, 3(1), 23–35. Journal of Global Information Management.
28.
Lindgreen, E.,R.,van Schendel, M., Jonker, N., Kloek, J., de Graaff, L., Davidson, M. (2018). Evaluating the environmental impact of debit card payments., 23, 1847–1861. International Journal of Life Cycle Assessment.
29.
Maciejewski, G. (2013). E-consumers against the risk a failed purchase, 10, 95-104. Journal of Enterprise Information Management.
30.
Malhotra, P., Singh, B. (2009). The impact of Internet banking on bank performance and risk: The Indian experience, 2(4), 43-62, Eurasian Journal of Business & Economics.
31.
Miciuła, K., Miciuła, I., Kabus, J., Piersiala, L. (2020). Sources of threats and methods of ecuring information in companies in Poland compared to other EU countries, 176, 969–2978. Procedia Computer Science.
32.
Nadler, S., Chen, A., N., Lin, S. (2019). E-payment Usage among Young Urban Chinese. 19(3), 75–88. Journal of Business Diversity.
33.
Narodowy Bank Polski, Departament Systemu Płatniczego. (2023). Dostęp 04.12.2023 https://nbp.pl/system-platnicz....
34.
Neneman, J. (2014). Pieniądz gotówkowy i bezgotówkowy a rozwój polskiej gospodarki. Warsaw Enterprise Institute. Warszawa.
35.
Nguyen ,T., H., D., Vu, D., C., (2020). Food delivery service during social distancing: Proactively preventing or potentially spreading COVID-19?, 2019–2020. Disaster Med. Public Health Prep.
36.
Oney, E., Oksuzoglu, G., G., Hussain, R., W. (2017) The determinants of electronic payment systems usage from consumers’ perspective, 30, 394–415. Economic Research-Ekonomska Istraživanja.
37.
Pantano, E., Pizzi, G., Scarpi, D., Dennis, C. (2020). Competing during a pandemic? Retailers‘ ups and downs during the COVID-19 outbreak, 116,209–213. Journal of Business Research. doi: 10.1016/j.jbusres.2020.05.036.
38.
Piersiala, L. (2022). Management of Consumer Payment Determined by Gender During the COVID-19 Pandemic w: P. Centobelli, R. Cerchione (red.), Proceedings of the 23rd European Conference on Knowledge Management, Academic Conferences and Publishing International Limited. 23(2). 912-918.
39.
Polasik, M., Huterska, A., Iftikhar, R., Mikula, Š. (2020). The impact of Payment Services Directive 2 on the PayTech sector development in Europe, 178, 385–401. Journal of Economic Behavior & Organization.
40.
Report, Online retail of services in Poland. E-commerce market analysis and development forecasts for 2022-2027, Dostęp 09.03.2023 z https://mypmr.pro/products/onl....
41.
Rubyet, H., Debashish S., Sumya S.,M., Khondoker , S., Md.Al-Amin. (2020). Analysis of Centralized Payment Eco-System: A Systematic Review on E-Payments , 29(3), 14139-14159. International Journal of Advanced Science and Technology.
42.
Simcock, P., Sudbury, L., Wright, G. (2006). Age, Perceived Risk and Satisfaction in Consumer Decision Making: A Review and Extension, 22, 355–377. Journal of Marketing Management.
43.
Slozko, O., Pelo, A. (2015). Problems and Risks of Digital Technologies Introduction into EPayments., . 14 (1), 42–59, Transformations in Business & Economics.
44.
Turban, E., King, D., Lee, J. K., Liang, T. P., & Turban, D. C. (2015). Electronic Commerce: A Managerial and Social Networks Perspective, 102. Springer Texts in Business and Economics, New York: Springer International Publishing.
45.
Viehland, D., Leong, R., S., Y. (2007). Acceptance and Use of Mobile Payments, 18, 665–671. In 18th Australasian Conference on Information Systems. Toowoomba.
46.
Wenner, G., Bram, J. T., Marino, M., Obeysekare, E., Mehta, K. (2018). Organizational models of mobile payment systems in low-resource environments, 24(4), 681–705. Information Technology for Development.
47.
Zhang, T., Lu, C., Kizildag, M. (2018). Banking on-the-go: examining customers” adoption of mobile banking services, 10, 279–295. International Journal of Quality and Service Sciences.doi: 10.1108/IJQSS-07-2017-0067.
Share
RELATED ARTICLE
| eISSN: | 2391-789X |
| ISSN: | 1734-2031 |
We process personal data collected when visiting the website. The function of obtaining information about users and their behavior is carried out by voluntarily entered information in forms and saving cookies in end devices. Data, including cookies, are used to provide services, improve the user experience and to analyze the traffic in accordance with the Privacy policy. Data are also collected and processed by Google Analytics tool (more).
You can change cookies settings in your browser. Restricted use of cookies in the browser configuration may affect some functionalities of the website.
You can change cookies settings in your browser. Restricted use of cookies in the browser configuration may affect some functionalities of the website.
