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[{"key": "dc.contributor.advisor", "value": "Munnukka, Juha", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Jakupovic, Elvira", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2018-06-29T10:22:10Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2018-06-29T10:22:10Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2018", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/58805", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Ty\u00f6n tavoitteena oli tutkia kuluttajan maksumenetelm\u00e4n valintaan vaikuttavia tekij\u00f6it\u00e4\nsek\u00e4 n\u00e4iden valintojen vaikutusta kuluttajak\u00e4ytt\u00e4ytymiseen. Aikaisemmat tutkimukset\novat p\u00e4\u00e4s\u00e4\u00e4nt\u00f6isesti keskittyneet perinteisiin maksumenetelmiin, eik\u00e4 onlinemaksumenetelmiin\nole kiinnitetty riitt\u00e4v\u00e4sti huomiota. T\u00e4st\u00e4 syyst\u00e4 tutkimukseen\nvalittiin yleisimm\u00e4t online-maksumenetelm\u00e4t, joita ovat maksukortti, verkkopankki,\nPayPal ja lasku.\nTutkimuksessa hy\u00f6dynnettiin Technology Acceptance \u2013 teoriaa sek\u00e4 consumer\nacceptance of mobile payments \u2013 mallia. Niiden mukaan kuluttajan uuden teknologian\nomaksumiseen vaikuttavat koettu hy\u00f6ty, helppok\u00e4ytt\u00f6isyys, riski sek\u00e4 asenne.\nMaksuk\u00e4ytt\u00e4ytymisen vaikutus kuluttajak\u00e4ytt\u00e4ytymiseen on laaja tutkimusalue.\nMaksuhalukkuus, koettu ep\u00e4mukavuus maksutilanteessa sek\u00e4 koettu omistajuus\nvalittiinkin tutkimuksen kohteiksi tutkijan oman mielenkiinnon vuoksi.\nKuluttajak\u00e4ytt\u00e4ytymist\u00e4 mittaavat indikaattorit pohjautuivat useihin aikaisempiin\ntutkimuksiin ja mittareihin.\nTutkimusaineisto ker\u00e4ttiin kvantitatiivisella strukturoidulla kyselylomakkeella, joka\njaettiin internet-kyselyn\u00e4. Kaikkien vastaajien tuli vastata annettuihin kysymyksiin saman\nostotilanteen sek\u00e4 yhden arvotun maksumenetelm\u00e4n pohjalta.\nTulosten mukaan kuluttajan aikomukseen maksaa online-maksumenetelm\u00e4ll\u00e4\nvaikuttavat kuluttajan asenne, koettu hy\u00f6dyllisyys ja koettu helppok\u00e4ytt\u00f6isyys.\nEdellisist\u00e4 poiketen koetulla riskill\u00e4 ei ole vaikutusta k\u00e4ytt\u00f6aikomukseen. Aikaisemmat\ntutkimukset ovat jakaantuneet koetun riskin vaikutuksen osalta kahteen \u00e4\u00e4rip\u00e4\u00e4h\u00e4n, joten\nvoimme todeta, ett\u00e4 tulokset ovat osittain johdonmukaisia aikaisempien tulosten kanssa.\nK\u00e4ytt\u00f6aikomuksella on lis\u00e4ksi vaikutusta koettuun ep\u00e4miellytt\u00e4vyyteen sek\u00e4 koettuun\nomistajuuteen. Maksu- ja k\u00e4ytt\u00f6aikomuksen v\u00e4lill\u00e4 ei ole merkitt\u00e4v\u00e4\u00e4 yhteytt\u00e4.\nAikaisemmat tutkimukset ovat t\u00e4ss\u00e4kin keskittyneet perinteisiin maksuv\u00e4lineisiin, eik\u00e4\nmaksuaikomuksesta online-kontekstissa ole riitt\u00e4v\u00e4sti tietoa. Tulosten mukaan voidaan\nkuitenkin todeta, ett\u00e4 maksuaikomukseen verkossa vaikuttavat eri tekij\u00e4t kuin\nmaksuaikomukseen perinteisill\u00e4 maksuv\u00e4lineill\u00e4.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.abstract", "value": "The objective of this research was to study the factors influencing consumer\u2019s intention to use an online payment method and how this usage intention affects buying behaviour. The previous studies have mainly focused on traditional payment methods, leaving the online payment methods without a sufficient attention. The four most popular online\npayment methods, which are credit card, internet banking, PayPal and invoicing, were chosen for this study to fill this gap.\n\nThe research utilized the Technology Acceptance theory and the acceptance of mobile payments model. According to them, perceived usefulness, perceived ease of use, perceived risk and attitude affect the usage intention of new technologies. The effect of payment behaviour on buying behaviour, however, is a broad research field. Willingness to pay, pain of paying and perception of ownership were, therefore, chosen to this study due to the researcher\u2019s point of interest. The indicators for measuring buying behaviour were collected from several studies and models. \n\nThe data were collected through quantitative structured questionnaire, which was distributed through an internet survey. All respondents were required to answer on questions based on the same purchase situation and one randomly assigned online payment method.\n\nBased on the results, consumer\u2019s intention to use an online payment method is affected by attitude, perceived usefulness and perceived ease of use. However, perceived risk does not affect usage intention. Previous studies are divided into two extremities about the effect of perceived risk on usage intention. Therefore, the results are partially consistent with the previous studies. The usage intention was also found to affect pain of paying and perception of ownership. However, the effect on willingness to pay was not significant. The previous research has mainly focused on traditional payment methods. Therefore, there is not enough information about willingness to pay in an online context.\nHowever, based on the results, it can be noted that factors affecting willingness to pay with online payment methods are not the same as with traditional payment methods.", "language": "en", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Riitta Pitk\u00e4nen (rpitkane@jyu.fi) on 2018-06-29T10:22:10Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2018-06-29T10:22:10Z (GMT). No. of bitstreams: 0\n Previous issue date: 2018", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "74", "language": "", "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "eng", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "willingness to pay", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "perceived ownership", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "pain of paying", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "attitude", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "risk perception", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "perceived ease of use", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "perceived usefulness", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "The usage intention of online payment methods and the effects of willingness to pay, pain of paying and perceived ownership", "language": "", "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201806293431", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Taloustieteet", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Business and Economics", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Markkinointi", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Marketing", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "20423", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "riskit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "asenteet", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "edut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "kuluttajak\u00e4ytt\u00e4ytyminen", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "kuluttajat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "verkkomaksaminen", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "teknologia", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "maksuj\u00e4rjestelm\u00e4t", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "risks", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "attitudes", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "advantages", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "consumer behaviour", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "consumers", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "paying online", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "technology (information)", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "payment systems", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
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