{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,2,7]],"date-time":"2026-02-07T17:37:12Z","timestamp":1770485832802,"version":"3.49.0"},"reference-count":55,"publisher":"Springer Science and Business Media LLC","issue":"2","license":[{"start":{"date-parts":[[2014,2,12]],"date-time":"2014-02-12T00:00:00Z","timestamp":1392163200000},"content-version":"tdm","delay-in-days":0,"URL":"http:\/\/www.springer.com\/tdm"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["Electron Commer Res"],"published-print":{"date-parts":[[2014,6]]},"DOI":"10.1007\/s10660-014-9138-3","type":"journal-article","created":{"date-parts":[[2014,2,11]],"date-time":"2014-02-11T10:01:09Z","timestamp":1392112869000},"page":"189-213","source":"Crossref","is-referenced-by-count":20,"title":["The moderating role of income on consumers\u2019 preferences and usage for online and offline payment methods"],"prefix":"10.1007","volume":"14","author":[{"given":"Eric W. K.","family":"See-To","sequence":"first","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Savvas","family":"Papagiannidis","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"J. Christopher","family":"Westland","sequence":"additional","affiliation":[],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"297","published-online":{"date-parts":[[2014,2,12]]},"reference":[{"key":"9138_CR1","unstructured":"Auh, S., Shih, E., & Yoon, Y. (2007). Aligning benefits with payments in a consumer financing context. A test of the pattern alignment hypothesis. SSRN eLibrary."},{"issue":"1","key":"9138_CR2","doi-asserted-by":"crossref","first-page":"149","DOI":"10.1111\/j.1538-4616.2008.00107.x","volume":"40","author":"R Borzekowski","year":"2008","unstructured":"Borzekowski, R., Kiser, E., & Ahmed, S. (2008). Consumers\u2019 use of debit cards: Patterns, preferences, and price response. Journal of Money, Credit and Banking, 40(1), 149\u2013172.","journal-title":"Journal of Money, Credit and Banking"},{"issue":"5","key":"9138_CR3","doi-asserted-by":"crossref","first-page":"409","DOI":"10.1016\/S0148-6195(99)00016-8","volume":"51","author":"KA Carow","year":"1999","unstructured":"Carow, K. A., & Staten, M. E. (1999). Debit, credit, or cash: Survey evidence on gasoline purchases. Journal of Economics and Business, 51(5), 409\u2013421.","journal-title":"Journal of Economics and Business"},{"key":"9138_CR4","unstructured":"Chakravorti, S., & Lubasi, V. (2006). Payment instrument choice: The case of prepaid cards. Economic Perspectives, Federal Reserve Bank of Chicago, 2nd Quarter, 29\u201343."},{"issue":"4","key":"9138_CR5","doi-asserted-by":"crossref","first-page":"1","DOI":"10.4018\/jeco.2005100101","volume":"3","author":"CMK Cheung","year":"2005","unstructured":"Cheung, C. M. K., Chan, G. W. W., & Limayem, M. (2005). A critical review of online consumer behavior: Empirical research. Journal of Electronic Commerce in Organizations, 3(4), 1\u201319.","journal-title":"Journal of Electronic Commerce in Organizations"},{"issue":"4","key":"9138_CR6","first-page":"20","volume":"2","author":"S Chong","year":"2011","unstructured":"Chong, S., Bagnall, J., & Smith, K. E. (2011). Australian consumer payment behaviour and preferences. JASSA, 2(4), 20\u201329.","journal-title":"JASSA"},{"issue":"9\u201310","key":"9138_CR7","doi-asserted-by":"crossref","first-page":"986","DOI":"10.1016\/j.jbusres.2009.01.022","volume":"63","author":"AG Close","year":"2010","unstructured":"Close, A. G., & Kukar-Kinney, M. (2010). Beyond buying: Motivations behind consumers\u2019 online shopping cart use. Journal of Business Research, 63(9\u201310), 986\u2013992.","journal-title":"Journal of Business Research"},{"issue":"8","key":"9138_CR8","doi-asserted-by":"crossref","first-page":"982","DOI":"10.1287\/mnsc.35.8.982","volume":"35","author":"F Davis","year":"1989","unstructured":"Davis, F., Bagozzi, R., & Warshaw, P. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982\u20131003.","journal-title":"Management Science"},{"issue":"3","key":"9138_CR9","doi-asserted-by":"crossref","first-page":"251","DOI":"10.1016\/S0736-5853(01)00005-3","volume":"19","author":"M Eastin","year":"2002","unstructured":"Eastin, M. (2002). Diffusion of e-commerce: An analysis of the adoption of four e-commerce activities. Telematics and Informatics, 19(3), 251\u2013267.","journal-title":"Telematics and Informatics"},{"key":"9138_CR10","unstructured":"Fenech, T. (2002). Antecedents to web cart abandonment. Paper presented at the Australian and New Zealand Marketing Academy (ANZMAC) Conference, Melbourne."},{"issue":"2","key":"9138_CR11","doi-asserted-by":"crossref","first-page":"150","DOI":"10.1108\/02652321011018332","volume":"28","author":"T Foscht","year":"2010","unstructured":"Foscht, T., Maloles, C. I., Swoboda, B., & Chia, S. (2010). Debit and credit card usage and satisfaction who uses which and why\u2014evidence from Austria. International Journal of Bank Marketing, 28(2), 150\u2013165.","journal-title":"International Journal of Bank Marketing"},{"key":"9138_CR12","doi-asserted-by":"crossref","first-page":"201","DOI":"10.1023\/B:ELEC.0000027980.16492.af","volume":"4","author":"M Garcia-Murillo","year":"2004","unstructured":"Garcia-Murillo, M. (2004). Institutions and the adoption of electronic commerce in Mexico. Electronic Commerce Research, 4, 201\u2013219.","journal-title":"Electronic Commerce Research"},{"key":"9138_CR13","unstructured":"Global Millennia Marketing. (2002). Shopping Cart Abandonment. Retrieved May 3, 2010 from http:\/\/www.globalmillenniamarketing.com\/press_release_mar_12_02.htm ."},{"key":"9138_CR14","unstructured":"Gold, K. (2007). Tackling the Shopping Cart Abandonment Rate from http:\/\/www.searchmarketingstandard.com\/tackling-the-shopping-cart-abandonment-rate ."},{"issue":"1","key":"9138_CR15","doi-asserted-by":"crossref","first-page":"59","DOI":"10.1016\/0737-6782(90)90032-A","volume":"7","author":"S Holak","year":"1990","unstructured":"Holak, S., & Lehmann, D. (1990). Purchase intentions and the dimensions of innovation: An exploratory model. Journal of Product Innovation Management, 7(1), 59\u201373.","journal-title":"Journal of Product Innovation Management"},{"issue":"3","key":"9138_CR16","doi-asserted-by":"crossref","first-page":"315","DOI":"10.1504\/IJEB.2007.014514","volume":"5","author":"Z Hussain","year":"2007","unstructured":"Hussain, Z., Wallace, J., Tassabehji, R., & Khan, O. (2007). E-business in the developing world: An empirical study of payment methods and their implications. International Journal of Electronic Business, 5(3), 315\u2013335.","journal-title":"International Journal of Electronic Business"},{"key":"9138_CR17","doi-asserted-by":"crossref","first-page":"97","DOI":"10.1007\/s10660-011-9086-0","volume":"12","author":"JT Isaac","year":"2012","unstructured":"Isaac, J. T., Zeadally, S., & C\u00e1mara, J. S. (2012). A lightweight secure mobile payment protocol for vehicular ad-hoc networks (VANETs). Electronic Commerce Research, 12, 97\u2013123.","journal-title":"Electronic Commerce Research"},{"issue":"3","key":"9138_CR18","doi-asserted-by":"crossref","first-page":"271","DOI":"10.1007\/s10645-007-9062-1","volume":"155","author":"N Jonker","year":"2007","unstructured":"Jonker, N. (2007). Payment instruments as perceived by consumers. Results from a household survey. De Economist, 155(3), 271\u2013303.","journal-title":"De Economist"},{"issue":"2","key":"9138_CR19","doi-asserted-by":"crossref","first-page":"183","DOI":"10.2307\/249751","volume":"23","author":"E Karahanna","year":"1999","unstructured":"Karahanna, E., Straub, D., & Chervany, N. (1999). Information technology adoption across time: A cross-sectional comparison of pre-adoption and post-adoption beliefs. MIS Quarterly, 23(2), 183\u2013213.","journal-title":"MIS Quarterly"},{"key":"9138_CR20","unstructured":"Kheng-Tan, W., & Tan, Y. (2009). From a retail-based e-micropayment program to a multi-purpose program: Which critical factors are needed for such a transformation? Paper presented at the IADIS International Conference e-Commerce 2009. Portugal: Algarve."},{"key":"9138_CR21","unstructured":"Kindberg, T., Sellen, A., & Geelhoed, E. (2004). Security and trust in mobile interactions: A study of users\u2019 perceptions and reasoning. Paper presented at the Ubiquitous Computing: 6th International Conference, Nottingham, UK."},{"issue":"6","key":"9138_CR22","doi-asserted-by":"crossref","first-page":"747","DOI":"10.1177\/1350508407082261","volume":"14","author":"D Knights","year":"2007","unstructured":"Knights, D., Noble, F., Vurdubakis, T., & Willmott, H. (2007). Electronic cash and the virtual marketplace: Reflections on a revolution postponed. Organization, 14(6), 747\u2013776.","journal-title":"Organization"},{"issue":"2","key":"9138_CR23","doi-asserted-by":"crossref","first-page":"240","DOI":"10.1007\/s11747-009-0141-5","volume":"38","author":"M Kukar-Kinney","year":"2010","unstructured":"Kukar-Kinney, M., & Close, A. (2010). The determinants of consumers\u2019 online shopping cart abandonment. Journal of the Academy of Marketing Science, 38(2), 240\u2013250.","journal-title":"Journal of the Academy of Marketing Science"},{"issue":"1\u20132","key":"9138_CR24","doi-asserted-by":"crossref","first-page":"75","DOI":"10.1023\/A:1013340118965","volume":"2","author":"P-M Lee","year":"2002","unstructured":"Lee, P.-M. (2002). Behavioral model of online purchasers in E-commerce environment. Electronic Commerce Research, 2(1\u20132), 75\u201385.","journal-title":"Electronic Commerce Research"},{"issue":"4","key":"9138_CR25","doi-asserted-by":"crossref","first-page":"483","DOI":"10.1177\/14614440122226209","volume":"3","author":"L Leung","year":"2001","unstructured":"Leung, L. (2001). College student motives for chatting on ICQ. New Media & Society, 3(4), 483\u2013500.","journal-title":"New Media & Society"},{"issue":"5","key":"9138_CR26","doi-asserted-by":"crossref","first-page":"299","DOI":"10.1016\/S0378-7206(00)00072-0","volume":"38","author":"Z Liao","year":"2001","unstructured":"Liao, Z., & Cheung, M. (2001). Internet-based e-shopping and consumer attitudes: An empirical study. Information & Management, 38(5), 299\u2013306.","journal-title":"Information & Management"},{"issue":"1","key":"9138_CR27","doi-asserted-by":"crossref","first-page":"15","DOI":"10.1002\/(SICI)1520-6653(200024)14:1<15::AID-DIR2>3.0.CO;2-C","volume":"14","author":"G Lohse","year":"2000","unstructured":"Lohse, G., Bellman, S., & Johnson, E. (2000). Consumer buying behavior on the Internet: Findings from panel data. Journal of Interactive Marketing, 14(1), 15\u201329.","journal-title":"Journal of Interactive Marketing"},{"issue":"4","key":"9138_CR28","doi-asserted-by":"crossref","first-page":"106","DOI":"10.2307\/41166103","volume":"43","author":"WW Moe","year":"2001","unstructured":"Moe, W. W., & Fader, P. S. (2001). Uncovering patterns in cybershopping. California Management Review, 43(4), 106\u2013117.","journal-title":"California Management Review"},{"issue":"1","key":"9138_CR29","first-page":"71","volume":"2","author":"S Moore","year":"2008","unstructured":"Moore, S., & Mathews, S. (2008). An exploration of online shopping cart abandonment syndrome: A matter of risk and reputation. Journal of Website Promotion, 2(1), 71\u201388.","journal-title":"Journal of Website Promotion"},{"issue":"2","key":"9138_CR30","doi-asserted-by":"crossref","first-page":"121","DOI":"10.1108\/10610420310469805","volume":"12","author":"RL Oliver","year":"2003","unstructured":"Oliver, R. L., & Shor, M. (2003). Digital redemption of coupons: Satisfying and dissatisfying effects of promotion codes. Journal of Product & Brand Management, 12(2), 121\u2013134.","journal-title":"Journal of Product & Brand Management"},{"issue":"5","key":"9138_CR31","doi-asserted-by":"crossref","first-page":"534","DOI":"10.1108\/02651330310498771","volume":"20","author":"C Park","year":"2003","unstructured":"Park, C., & Jun, J. (2003). A cross-cultural comparison of internet buying behavior Effects of Internet usage, perceived risks, and innovativeness Cheol Park, Jong-Kun Jun the authors. International Marketing Review, 20(5), 534\u2013553.","journal-title":"International Marketing Review"},{"issue":"6","key":"9138_CR32","doi-asserted-by":"crossref","first-page":"771","DOI":"10.1016\/j.joep.2003.07.002","volume":"25","author":"E Penz","year":"2004","unstructured":"Penz, E., Meier-Pesti, K., & Kirchler, E. (2004). It\u2019s practical, but no more controllable: Social representations of the electronic purse in Austria. Journal of Economic Psychology, 25(6), 771\u2013787.","journal-title":"Journal of Economic Psychology"},{"issue":"4","key":"9138_CR33","doi-asserted-by":"crossref","first-page":"273","DOI":"10.1057\/jit.1998.6","volume":"13","author":"DJ Phillips","year":"1998","unstructured":"Phillips, D. J. (1998). The social construction of a secure, anonymous electronic payment system: Frame alignment and mobilization around Ecash. Journal of Information Technology, 13(4), 273\u2013284.","journal-title":"Journal of Information Technology"},{"issue":"3","key":"9138_CR34","doi-asserted-by":"crossref","first-page":"188","DOI":"10.1108\/10610420910957816","volume":"18","author":"RK Rajamma","year":"2009","unstructured":"Rajamma, R. K., Paswan, A. K., & Hossain, M. M. (2009). Why do shoppers abandon shopping cart? Perceived waiting time, risk, and transaction inconvenience. Journal of Product & Brand Management, 18(3), 188\u2013197.","journal-title":"Journal of Product & Brand Management"},{"key":"9138_CR35","doi-asserted-by":"crossref","unstructured":"Renaud, K., Cockshott, T., & Hair, M. (2009). Everyone Abandons\u2014Eventually: Understanding the Online Shopping Experience. Paper presented at the Commerce and Enterprise Computing, 2009. CEC \u201909. IEEE Conference.","DOI":"10.1109\/CEC.2009.22"},{"issue":"1","key":"9138_CR36","first-page":"11","volume":"37","author":"H Roberts","year":"2005","unstructured":"Roberts, H., & Gregor, S. (2005). Why Australian merchants aren\u2019t adopting e-money. Journal of Research and Practice in Information Technology, 37(1), 11\u201325.","journal-title":"Journal of Research and Practice in Information Technology"},{"key":"9138_CR37","volume-title":"Diffusion of innovations","author":"E Rogers","year":"1995","unstructured":"Rogers, E. (1995). Diffusion of innovations (4th ed.). New York: The Free Press.","edition":"4"},{"key":"9138_CR38","volume-title":"Handbook of survey research","author":"P Rossi","year":"1983","unstructured":"Rossi, P., Wright, J., & Anderson, A. (1983). Handbook of survey research. New York: Academic Press."},{"issue":"1","key":"9138_CR39","first-page":"63","volume":"8","author":"EWK See-To","year":"2007","unstructured":"See-To, E. W. K., Jaisingh, J., & Tam, K. Y. (2007). Analysis of electronic micro-payment market. Journal of Electronic Commerce Research, 8(1), 63\u201383.","journal-title":"Journal of Electronic Commerce Research"},{"issue":"2","key":"9138_CR40","doi-asserted-by":"crossref","first-page":"299","DOI":"10.1353\/mcb.2002.0047","volume":"34","author":"O Shy","year":"2002","unstructured":"Shy, O., & Tarkka, J. (2002). The market for electronic cash cards. Journal of Money, Credit, and Banking, 34(2), 299\u2013314.","journal-title":"Journal of Money, Credit, and Banking"},{"issue":"3","key":"9138_CR41","doi-asserted-by":"crossref","first-page":"209","DOI":"10.1080\/01972240290074968","volume":"18","author":"F Stalder","year":"2002","unstructured":"Stalder, F. (2002). Failures and successes: Notes on the development of electronic cash. The Information Society: An International Journal, 18(3), 209\u2013219.","journal-title":"The Information Society: An International Journal"},{"issue":"3","key":"9138_CR42","doi-asserted-by":"crossref","first-page":"2306","DOI":"10.1016\/j.eswa.2011.08.017","volume":"39","author":"WK Tan","year":"2012","unstructured":"Tan, W. K., & Tan, Y. J. (2012). Transformation of smart-card-based single-purpose e-micropayment scheme to multi-purpose scheme: A case study. Expert Systems with Applications, 39(3), 2306\u20132313.","journal-title":"Expert Systems with Applications"},{"issue":"4","key":"9138_CR43","doi-asserted-by":"crossref","first-page":"561","DOI":"10.2307\/249633","volume":"19","author":"S Taylor","year":"1995","unstructured":"Taylor, S., & Todd, P. (1995). Assessing IT usage: The role of prior experience. MIS Quarterly, 19(4), 561\u2013570.","journal-title":"MIS Quarterly"},{"issue":"1","key":"9138_CR44","doi-asserted-by":"crossref","first-page":"167","DOI":"10.1080\/07421222.1994.11518035","volume":"11","author":"R Thompson","year":"1994","unstructured":"Thompson, R., Higgins, C., & Howell, J. (1994). Influence of experience on personal computer utilization: Testing a conceptual model. Journal of Management Information Systems, 11(1), 167\u2013187.","journal-title":"Journal of Management Information Systems"},{"key":"9138_CR45","doi-asserted-by":"crossref","unstructured":"van Hove, L. (2004). Electronic purses in Euroland: Why do penetration and usage rates differ? Paper presented at the The European Money and Finance Forum.","DOI":"10.2139\/ssrn.575821"},{"issue":"3","key":"9138_CR46","doi-asserted-by":"crossref","first-page":"425","DOI":"10.2307\/30036540","volume":"27","author":"V Venkatesh","year":"2003","unstructured":"Venkatesh, V., Morris, M., Hall, M., Davis, G., & Davis, F. (2003). User acceptance of information technology: Towards a unified view. MIS Quarterly, 27(3), 425\u2013478.","journal-title":"MIS Quarterly"},{"issue":"1","key":"9138_CR47","doi-asserted-by":"crossref","first-page":"27","DOI":"10.1007\/s10660-010-9047-z","volume":"10","author":"OR Vincent","year":"2010","unstructured":"Vincent, O. R., Folorunso, O., & Akinde, A. D. (2010). Improving e-payment security using elliptic curve cryptosystem. Electronic Commerce Research, 10(1), 27\u201341.","journal-title":"Electronic Commerce Research"},{"issue":"1\u20132","key":"9138_CR48","doi-asserted-by":"crossref","first-page":"159","DOI":"10.1023\/A:1013360606669","volume":"2","author":"C-T Wang","year":"2002","unstructured":"Wang, C.-T., Chang, C.-C., & Lin, C.-H. (2002). A new micro-payment system using general payword chain. Electronic Commerce Research, 2(1\u20132), 159\u2013168.","journal-title":"Electronic Commerce Research"},{"issue":"3","key":"9138_CR49","doi-asserted-by":"crossref","first-page":"247","DOI":"10.1177\/1063293X04046194","volume":"12","author":"H Wang","year":"2004","unstructured":"Wang, H., Zhang, Y., & Cao, J. (2004). An electronic cash scheme and its management. Concurrent Engineering, 12(3), 247\u2013257.","journal-title":"Concurrent Engineering"},{"issue":"4","key":"9138_CR50","doi-asserted-by":"crossref","first-page":"505","DOI":"10.2307\/3151879","volume":"31","author":"B Wansink","year":"1994","unstructured":"Wansink, B. (1994). Advertising\u2019s impact on category substitution. Journal of Marketing Research, 31(4), 505\u2013515.","journal-title":"Journal of Marketing Research"},{"issue":"1","key":"9138_CR51","doi-asserted-by":"crossref","first-page":"31","DOI":"10.1177\/002224299606000104","volume":"60","author":"B Wansink","year":"1996","unstructured":"Wansink, B., & Ray, M. (1996). Advertising strategies to increase usage frequency. Journal of Marketing Research, 60(1), 31\u201346.","journal-title":"Journal of Marketing Research"},{"issue":"3","key":"9138_CR52","doi-asserted-by":"crossref","first-page":"223","DOI":"10.1207\/S15327744JOCE1203_02","volume":"12","author":"JC Westland","year":"2002","unstructured":"Westland, J. C. (2002). Preference ordering cash, near cash, and electronic cash. Journal of Organizational Computing and Electronic Commerce, 12(3), 223\u2013242.","journal-title":"Journal of Organizational Computing and Electronic Commerce"},{"issue":"2","key":"9138_CR53","doi-asserted-by":"crossref","first-page":"3","DOI":"10.1080\/10196789700000015","volume":"7","author":"JC Westland","year":"1997","unstructured":"Westland, J. C., Kwok, M., Shu, J., Kwok, T., & Ho, H. (1997). Electronic cash in Hong Kong. Electronic Markets, 7(2), 3\u20136.","journal-title":"Electronic Markets"},{"issue":"4","key":"9138_CR54","doi-asserted-by":"crossref","first-page":"238","DOI":"10.1108\/02652320710754024","volume":"25","author":"S Worthington","year":"2007","unstructured":"Worthington, S., Stewart, D., & Lu, X. (2007). The adoption and usage of credit cards by urban-affluent consumers in China. International Journal of Bank Marketing, 25(4), 238\u2013252.","journal-title":"International Journal of Bank Marketing"},{"issue":"2","key":"9138_CR55","doi-asserted-by":"crossref","first-page":"1076","DOI":"10.1016\/j.dss.2005.09.003","volume":"42","author":"H Zhang","year":"2006","unstructured":"Zhang, H., & Li, H. (2006). Factors affecting payment choices in online auctions: A study of eBay traders. Decision Support Systems, 42(2), 1076\u20131088.","journal-title":"Decision Support Systems"}],"container-title":["Electronic Commerce Research"],"original-title":[],"language":"en","link":[{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/s10660-014-9138-3.pdf","content-type":"application\/pdf","content-version":"vor","intended-application":"text-mining"},{"URL":"http:\/\/link.springer.com\/article\/10.1007\/s10660-014-9138-3\/fulltext.html","content-type":"text\/html","content-version":"vor","intended-application":"text-mining"},{"URL":"http:\/\/link.springer.com\/content\/pdf\/10.1007\/s10660-014-9138-3","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2023,7,10]],"date-time":"2023-07-10T11:26:37Z","timestamp":1688988397000},"score":1,"resource":{"primary":{"URL":"http:\/\/link.springer.com\/10.1007\/s10660-014-9138-3"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2014,2,12]]},"references-count":55,"journal-issue":{"issue":"2","published-print":{"date-parts":[[2014,6]]}},"alternative-id":["9138"],"URL":"https:\/\/doi.org\/10.1007\/s10660-014-9138-3","relation":{},"ISSN":["1389-5753","1572-9362"],"issn-type":[{"value":"1389-5753","type":"print"},{"value":"1572-9362","type":"electronic"}],"subject":[],"published":{"date-parts":[[2014,2,12]]}}}