The Safety of Cash and Debit Cards: A Study on the Perception and Behavior of Dutch Consumers
基于2008年荷兰消费者调查数据，研究发现消费者对支付工具安全性的感知显著影响其支付偏好，其中对支付事故可能性的感知起主导作用。
This paper investigates the impact of the perceived payment safety on debit card and cash usage. It provides a conceptual framework of safety perception and payment behavior, which is empirically tested using 2008 consumer survey data. The results show that consumers’ payment preferences are strongly influenced by their views on the safety of payment instruments. These views are determined mainly by consumers’ perception of the likelihood that payment incidents may occur. The seriousness of possible incidents is also considered, though to a much lesser degree. Personal characteristics and experiences of payment incidents are shown to play a significant role here.