Polish consumers' propensity to use innovative payment methods

Janina Harasim

Abstract


Despite the growing number of innovative payment instruments only few of them are successful on the market. The purpose of the article is to establish customers' role in the payment innovations' diffusion and to assess the propensity of Polish consumers to use them. The data has been collected in 2013 by face to face research interviews with 300 Polish respond- ers. Outcomes confirmed that Polish consumers' propensity to use innovative payment instruments is rather low. It results from high level of satisfaction concerning traditional payment methods which are thought to be cheaper, more safe and comfortable than innovatives ones. The study demonstrates also the presence of some economic and psychological switching costs.

Full Text:

PDF (Język Polski)

References


Bagozzi R.P., Lee. K.-H., Consumers Resistance To, and Acceptance Of, Innovations, "Advances in Consumer Research" 1999, vol. 26.

Cooper R.G., Winning at New Products: Accelerating the Process from Idea to Launch, Perseus Books, Reading, Massachusetts 1990.

Cornescu V., Adam C.R., The Consumer Resistance Behavior towards Innovation, "Procedia Economics and Finance" 2013, no 6.

Harasim J., Współczesny rynek płatności detalicznych - specyfika, regulacje, innowacje, Wydaw- nictwo Uniwersytetu Ekonomicznego w Katowicach, Katowice 2013.

Innovations in Retail Payments, Report of the Working Group on Innovations in Retail Payments. Committee on Payment and Settlement Systems, Bank for International Settlements, May 2012.

Kleijnen M., Lee N., Wetzels M., An Exploration of Consumer Resistance to innovation and its antecedents, "Journal of Economic Psychology" June 2009, vol. 30, issue 3.

Klemperer P., Network Effects and Switching Costs: two short essays for the new New Palgrave, http://www.nuff.ox.ac.uk/users/klemperer/NewPalgrave.pdf (dostęp: 10.04.2014).

Koźliński T., Zwyczaje płatnicze Polaków, Narodowy Bank Polski, Departament Systemu Płatniczego, Warszawa maj 2013.

Leinonen H., Payment Habits and Trends in the Changing e-Landscape 2010+, Expository studies A:111.2008, Bank of Finland, Helsinki 2008.

Maison D., Badanie postaw Polaków powyżej 60. roku życia wobec obrotu bezgotówkowego, Raport przygotowany dla NBP, Warszawa kwiecień 2012.

Maison D., Postawy Polaków wobec obrotu bezgotówkowego, Raport przygotowany dla NBP, Warszawa, 15 marca 2010.

Payment Systems Worldwide - a Snapshot. Outcomes of the Global Payment Systems Survey 2010, The World Bank 2011.

Schmiedel H., Kostova G., Ruttenberg W., The Social and Private Costs of Retail Payment Instruments: a European Perspective, European Central Bank Occasional Paper Series No. 137, October 2012.

World Payments Report 2012, Capgemini, RBS, EFMA.

World Payments Report 2013, Capgemini, RBS.




DOI: http://dx.doi.org/10.17951/h.2014.48.3.119
Date of publication: 2015-05-23 19:36:26
Date of submission: 2015-04-16 18:58:19


Statistics


Total abstract view - 1173
Downloads (from 2020-06-17) - PDF (Język Polski) - 0

Indicators



Refbacks

  • There are currently no refbacks.


Copyright (c) 2015 Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.