Consumers in the United States have three payment options at a point of sale terminal purchase with a merchant: (a) pay with cash, (b) write a check, or (c) swipe and sign for the transaction with a debit or credit card. Consumers may be reluctance to accept changes in their daily routine with respect to payment options, which may impede acceptance of evolving payment methods like mobile and contactless cards (MCC). Hence, the purpose of this qualitative case study using the Technology Acceptance Model (TAM) was to examine the reasons given by consumers on why they are willing or unwilling to accept this alternative payment system. The selected participants were obtained via a signup sheet at PSCU for of this case study. After signing the informed consent form, the particpants were provided a link to Survey Monkey™. The participants of the case study represented a broad level based off education, age, marriage and work levels. The partcipants provided their responses to questions that gaugued their knowledge and willingness to try new payment technologies such as mobile and contactless card payments. The responses provided by the participants demonstrated that ease of use (PEO) and usefulness (PEOU) were primary factors in using new payment technologies. Security of the financial data was a factor in the use of new new payment technology as cosnumers have become more conscious of data breaches. Future case studies should be conducted to determine the impact on segements such as the underbanked or underserved markets.
|Department:||School of Business and Technology Management|
|School Location:||United States -- California|
|Source:||DAI-A 76/04(E), Dissertation Abstracts International|
|Subjects:||Management, Information Technology, Commerce-Business|
|Keywords:||Credit card, Mobile contactless card technology, Payment option, Point of sale terminal, Transaction|
Copyright in each Dissertation and Thesis is retained by the author. All Rights Reserved
The supplemental file or files you are about to download were provided to ProQuest by the author as part of a
dissertation or thesis. The supplemental files are provided "AS IS" without warranty. ProQuest is not responsible for the
content, format or impact on the supplemental file(s) on our system. in some cases, the file type may be unknown or
may be a .exe file. We recommend caution as you open such files.
Copyright of the original materials contained in the supplemental file is retained by the author and your access to the
supplemental files is subject to the ProQuest Terms and Conditions of use.
Depending on the size of the file(s) you are downloading, the system may take some time to download them. Please be