Appendix. Data Tables

Transcription

1 Appendix Data Tables Index of Tables Part 1: In-Store Payment Preferences Which payment products do you have? How often do you use the following payment methods for purchases in stores? a When you make purchases at grocery stores, which payment methods are accepted? b When you make purchases at gas stations or convenience stores, which payment methods are accepted? c When you make purchases at department stores, which payment methods are accepted? d When you make purchases at discount stores or warehouse clubs, which payment methods are accepted? e When you make purchases at drug stores, which payment methods are accepted? f When you make purchases at restaurants, which payment methods are accepted? g When you make purchases at fast-food restaurants or cafeterias, which payment methods are accepted? h When you make purchases at transit systems, which payment methods are accepted? i When you make purchases at movie theatres or shows, which payment methods are accepted? a When you make purchases at grocery stores, which payment method do you use most often? b When you make purchases at gas stations or convenience stores, which payment method do you use most often? c When you make purchases at department stores, which payment method do you use most often? d When you make purchases at discount stores or warehouse clubs, which payment method do you use most often? e When you make purchases at drug stores, which payment method do you use most often? American Bankers Association/Dove Consulting 207

2 2005/2006 Study of Consumer Payment Preferences 1.4f When you make purchases at restaurants, which payment method do you use most often? g When you make purchases at fast-food restaurants or cafeterias, which payment method do you use most often? h When you make purchases at transit systems, which payment method do you use most often? i When you make purchases at movie theatres or shows, which payment method do you use most often? j When you make purchases in-store purchases overall, which payment method do you use most often? a What is the minimum dollar amount for which you consider using each payment method to make a purchase? b What is the maximum dollar amount for which you consider using each payment method to make a purchase? How comfortable are you with using each payment method listed below? How fast are these payment methods for everyday purchases in stores? a Please select all the payment methods that you believe are convenient for in-store purchases b Please select all the methods that you believe are easy to use for in-store purchases c Please select all the payment methods that you believe are preferred by stores or salespeople d Please select all the payment methods for in-store purchases that you believe keep your money and accounts safe e Please select all the payment methods for in-store purchases for which you believe money is taken from your account right away f Please select all the payment methods for in-store purchases that you believe help you budget or spend within your means g Please select all the payment methods for in-store purchases that you believe are used for small payment amounts h Please select all the payment methods for in-store purchases that you believe give you control over your money i Please select all the payment methods for in-store purchases that you believe make it easy to get refunds for returned items and disputes a In the next two years, how do you think your usage of cash will change for purchases in stores? b In the next two years, how do you think your usage of checks will change for purchases in stores? c In the next two years, how do you think your usage of credit cards will change for purchases in stores? d In the next two years, how do you think your usage of PIN debit will change for purchases in stores? e In the next two years, how do you think your usage of signature debit will change for purchases in stores? f In the next two years, how do you think your usage of gift cards or other prepaid cards will change for purchases in stores? American Bankers Association/Dove Consulting

3 Data Tables 1.10a Have you ever had a check scanned and returned to you at the checkout counter? b Has the check scanning caused you to change your usage of checks to pay for purchases in stores? c If you use checks less often for in-store payments, which payment method do you use most often instead of checks? a How has your usage of cash changed over the past two years? b Why do you use cash less often? c In which locations do you use cash less often? c.1 If you use cash less often for purchases at grocery stores, which payment method do you use most often instead? c.2 If you use cash less often for purchases at gas stations or convenience stores, which payment method do you use most often instead? c.3 If you use cash less often for purchases at department stores, which payment method do you use most often instead? c.4 If you use cash less often for purchases at discount stores or warehouse clubs, which payment method do you use most often instead? c.5 If you use cash less often for purchases at drug stores, which payment method do you use most often instead? c.6 If you use cash less often for purchases at restaurants, which payment method do you use most often instead? c.7 If you use cash less often for purchases at fast-food restaurants or cafeterias, which payment method do you use most often instead? c.8 If you use cash less often for purchases at transit system, which payment method do you use most often instead? c.9 If you use cash less often for purchases at movie theatres or shows, which payment method do you use most often instead? What are the three most important factors in choosing to use cash instead of other payment methods to make purchases in stores? a What channels do you use to obtain or withdraw cash each month? b What is the average number of times you withdraw cash from ATMs each month? What is the average amount you withdraw? c What is the average number of times you withdraw cash with PIN debit cash back option each month? What is the average amount you withdraw? d What is the average number of times you obtain cash by writing a check for cash each month? What is the average amount you obtain? e What is the average number of times you obtain cash by cashing all or part of a paycheck each month? What is the average amount you obtain? At which types of stores do you currently receive cash back when making a debit purchase where you enter a PIN? Would you like the option to receive cash back when making a purchase in stores using a debit card by signing the receipt (instead of entering a PIN)? Have you ever used a card that is issued by a merchant and linked to your checking or savings account to make purchases in stores? American Bankers Association/Dove Consulting 209

4 2005/2006 Study of Consumer Payment Preferences 1.17a.1 Have you ever used a contactless token or key fob (e.g., Speedpass) for purchases? a.2 Have you ever used a contactless card (e.g., PayPass, ExpressPay) for purchases? b How satisfied are you with using your contactless payment device? a.1 If you were given a contactless payment device, would you use it at grocery stores? a.2 If you were given a contactless payment device, would you use it at gas stations or convenience stores? a.3 If you were given a contactless payment device, would you use it at department stores? a.4 If you were given a contactless payment device, would you use it at discount stores or warehouse clubs? a.5 If you were given a contactless payment device, would you use it at drug stores? a.6 If you were given a contactless payment device, would you use it at restaurants? a.7 If you were given a contactless payment device, would you use it at fast-food restaurants or cafeterias? a.8 If you were given a contactless payment device, would you use it at transit systems? a.9 If you were given a contactless payment device, would you use it at movie theatres or shows? b.1 What is the minimum purchase amount for which you would consider using a contactless payment device? b.2 What is the maximum purchase amount for which you would consider using a contactless payment device? Part 2: Internet Payment Preferences Have you ever made a purchase over the Internet? How many Internet purchases have you made in the last 3 months? How often do you use the following payment methods for Internet purchases? a What is the minimum dollar amount of Internet purchase for which you consider using the following payment methods? b What is the maximum dollar amount of Internet purchase for which you consider using the following payment methods? a Do you make purchases over the Internet for under $5? b How do you pay for Internet transactions under $5? How comfortable are you using each payment method listed below for Internet purchases? a Please select all the payment methods that you believe are fast for Internet purchases b Please select all the payment methods that you believe are convenient for Internet purchases American Bankers Association/Dove Consulting

5 Data Tables 2.7c Please select all the payment methods that you believe are easy to use for Internet purchases d Please select all the payment methods that you believe are accepted at Internet retailers e Please select all the payment methods that you believe are preferred by Internet retailers f Please select all the payment methods that you believe keep your money and accounts safe when purchasing on the Internet g Please select all the payment methods for which you believe money is taken from your account right away when purchasing on the Internet h Please select all the payment methods that you believe help you budget or spend within your means when purchasing on the Internet i Please select all the payment methods that you believe give you control over your money when purchasing on the Internet j Please select all the payment methods that you believe make it easy to get a refund for returned items purchased on the Internet or to resolve disputes How concerned are you about identity theft or fraud when making purchases over the Internet? Are you currently enrolled in any payment security programs for Internet purchases? How interested would you be in making an Internet purchase where the online merchant transferred you to your bank s or credit union s Web site to initiate payment at the time of purchase or after the order was complete? How will your overall Internet shopping change in the next two years? a In the next two years, how do you think your usage of paper checks will change for Internet purchases? b In the next two years, how do you think your usage of Internet checks will change for Internet purchases? c In the next two years, how do you think your usage of credit cards will change for Internet purchases? d In the next two years, how do you think your usage of debit cards will change for Internet purchases? e In the next two years, how do you think your usage of prepaid cards or accounts will change for Internet purchases? f In the next two years, how do you think your usage of person-to-person payment services will change for Internet purchases? g In the next two years, how do you think your usage of money orders will change for Internet purchases? Part 3: Bill Payment Preferences How many bills do you pay each month? For the occasional bills, which payment methods do you use most often? For the recurring bills, how many do you pay each month using the following payment methods? For the recurring bills paid online at the biller s Web site, how many do you pay each month using the following payment methods? American Bankers Association/Dove Consulting 211

6 2005/2006 Study of Consumer Payment Preferences 3.5a For the recurring bills paid via automatic payment, how many do you pay each month using the following payment methods? b If you have automatic payments for recurring bills, where did you set them up? a Which payment method do you most often to pay your rent or mortgage? b Which payment method do you most often to pay your auto loan or lease? c Which payment method do you most often to pay loans other than rent, mortgage, auto loan or lease? d Which payment method do you most often to pay your credit card bills? e Which payment method do you most often to pay your insurance bills? f Which payment method do you most often to pay your membership (e.g., health club) bills? g Which payment method do you most often to pay your tuition or childcare bills? h Which payment method do you most often to pay your utility bills? i Which payment method do you most often to pay your bills overall? How comfortable are you using the following payment methods to pay recurring bills? a Please select all the payment methods that you believe are fast for bill payment b Please select all the payment methods that you believe are convenient for paying recurring bills c Please select all the payment methods that you believe are easy to use for paying recurring bills d Please select all the payment methods that you believe to be accepted by your billers e Please select all the payment methods that you believe are preferred by your billers f Please select all the payment methods that you believe to keep your money and accounts safe when paying recurring bills g Please select all the payment methods for which you believe that money is taken from your account right away when paying recurring bills h Please select all the payment methods for which you believe that money is posted to your biller s account right away i Please select all the payment methods that you believe help you budget or spend within your means when paying recurring bills j Please select all the payment methods that you believe give you control over the timing and amount of bill payments k Please select all the payment methods that you believe make it easy to get refunds for disputes when paying recurring bills a In the next two years, how will your usage of paper checks for paying recurring bills change? b In the next two years, how will your usage of automatic payment for paying recurring bills change? c In the next two years, how will your usage of online bill pay at bank s or credit union s Web site for paying recurring bills change? American Bankers Association/Dove Consulting

7 Data Tables 3.9d In the next two years, how will your usage of online bill pay at biller s Web site for paying recurring bills change? e In the next two years, how will your usage of cash for paying recurring bills change? f In the next two years, how will your usage of money orders for paying recurring bills change? If you plan to use checks less often for paying recurring bills, why? How do you currently receive or view your returned paper checks? a How comfortable are you with a biller who processes your paper check payment electronically? b What impact has not receiving paper checks or images had on your bill payment behavior? c If you use paper checks less often because you do not receive paper checks or images, what bill payment methods do you use instead? a Where do you most often make your monthly cash payments? b Why do you pay bills with cash? a Have you paid bills over the telephone in the last two years? b Which payment methods have you used to pay bills over the telephone? How comfortable are you using different methods of automatic payment? How easy is it to discontinue automatic payment? a In the next two years, how will your usage of automatic payment from checking or savings account for paying recurring bills change? b In the next two years, how will your usage of automatic payment from credit card for paying recurring bills change? c In the next two years, how will your usage of automatic payment from debit card for paying recurring bills change? If you plan to use automatic payments more frequently in the next two years, why? How comfortable are you using the following methods for online bill pay at a biller s Web site? a In the next two years, how will your usage of online bill pay at biller s Web site from checking or savings account change? b In the next two years, how will your usage of online bill pay at biller s Web site with a credit card change? c In the next two years, how will your usage of online bill pay at biller s Web site with a debit card change? If you plan to use online bill payment more frequently in the next two years, why? If you were to give up receiving paper bill statements, how would you prefer to receive your bill information? a How concerned are you about spoofing or phishing scams when receiving s from billers or financial services providers? b Does your concern about spoofing scams alter or affect your usage of online bill payment? American Bankers Association/Dove Consulting 213

8 2005/2006 Study of Consumer Payment Preferences Part 4: Debit Cards and Prepaid Cards Does your debit card have a Visa logo or a MasterCard logo? a Do you prefer to enter your PIN or sign a receipt when using a debit card? b When using a debit card for purchases, why do you prefer to enter a PIN? c When using a debit card for purchases, why do you prefer to sign a receipt? Where a PIN pad is available, does the merchant offer you a choice between entering a PIN and signing a receipt? Are you aware that some debit cards earn rewards similar to credit card programs? a Do you receive any rewards for paying with your debit card? b Do your debit card rewards influence your usage of debit for purchases? a What level of security do the following payment methods offer consumers? b.1 What level of liability protection do credit cards offer consumers? b.2 What level of liability protection do PIN debit cards offer consumers? b.3 What level of liability protection do signature debit cards offer consumers? Why do you plan to use debit more in the next two years? a Have you received a gift card in the last 12 months? b How many gift cards have you received in the last 12 months? a Have you purchased a gift card in the last 12 months? b How many gift cards have you purchased in the last 12 months? c Why did you give a gift card instead of cash or check? a Which types of gift cards have you received in the last 12 months? b Which types of gift cards have you purchased in the last 12 months? Where have you purchased a gift card? How important are the following attributes when purchasing a gift card? a Have you purchased a prepaid card for personal use in the last 12 months? b How many prepaid cards for personal use have you purchased in the last 12 months? c Why do you prefer using a prepaid card over another payment method? d How important are the following attributes when purchasing a prepaid card for personal use? Do you have any of the following types of prepaid cards? Part 5: Demographics What is your gender? What is your ethnicity? Please indicate your age bracket Please indicate your approximate annual household income Please indicate the highest level of education you have completed In which region do you reside? a Where is your primary checking account? b How long have you been banking with this financial institution? Which of the following statements are true? American Bankers Association/Dove Consulting