The moderating role of income on consumers' preferences and usage for online and offline payment methods

Wing Kuen, Eric SEE-TO, Savvas PAPAGIANNIDIS, J. Christopher WESTLAND

Research output: Journal PublicationsJournal Article (refereed)peer-review

22 Citations (Scopus)


In this paper we examine consumer attitudes towards a payment method, which is a key factor affecting the probability of completing a transaction offline and online. More specifically, we constructed a model that surveyed the offline and online usage of prepaid e-cash, debit cards, credit cards and cash. User perceptions of the attractiveness of e-cash and various traditional payment means were also empirically assessed. Consumer attitudes towards a payment technology were found to be influential on users' perceptions in both online and offline environments. User perceptions of offline purchases with a payment technology had significant and positive effects on the corresponding online usage perceptions. The effects of our research model are contingent on the income level of users. Our findings have significant implications, as they could help shed light on why consumers abandon their shopping carts and do not complete their transactions, which could potentially play a significant role when it comes to designing applications targeting sspecific consumer segments. © 2014 Springer Science+Business Media New York.
Original languageEnglish
Pages (from-to)189-213
Number of pages25
JournalElectronic Commerce Research
Issue number2
Early online date12 Feb 2014
Publication statusPublished - Jun 2014
Externally publishedYes


  • Electronic cash
  • Income
  • Payment methods
  • Payment preferences


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