Payment Instrument Characteristics: A Repertory Grid Analysis

Jacques Holst, Martin Kjeldsen, Jonas Hedman, Felix B.Tan

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    Over the last decade, we have witnessed payment innovations that fundamentally have changed the ways we pay. Payment innovations, such as mobile payments and on-line banking, include characteristics or features that are essential to understand if we want to know how and why payers choose among payment innovations. Using the Repertory Grid technique to explore 15 payers’ perception of six payment instruments, including coins, banknotes, debit cards, credit cards, mobile payments, and on-line banking, we identify 16 payment characteristics. The characteristics aggregate seventy-six unique features. Many of the characteristics and one of the categories are completely novel and unaccounted for in previous works.
    Original languageEnglish
    Title of host publicationProceedings of the Twentieth Americas Conference on Information Systems. AMCIS 2015
    Number of pages10
    Place of PublicationAtlanta, GA
    PublisherAssociation for Information Systems. AIS Electronic Library (AISeL)
    Publication date2015
    Article number118635
    ISBN (Electronic)9780996683104
    Publication statusPublished - 2015
    Event21st Americas Conference on Information Systems. AMCIS 2015 - El Conquistador Resort, Fajardo, Puerto Rico
    Duration: 13 Aug 201515 Aug 2015
    Conference number: 21


    Conference21st Americas Conference on Information Systems. AMCIS 2015
    LocationEl Conquistador Resort
    Country/TerritoryPuerto Rico
    Internet address


    • Payments
    • Payment characteristics
    • Repertory Grid

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