دانلود رایگان مقاله لاتین چگونه متد متفاوت پرداخت، بر راندمان هزینه و اعتبار در تجارت الکترونیک اثر می گذارد؟ از سایت الزویر
عنوان فارسی مقاله:
چگونه روش های مختلف پرداخت، بر بازدهی هزینه و اعتبار در تجارت الکترونیک تاثیر می گذارد؟
عنوان انگلیسی مقاله:
How do different payment methods deliver cost and credit efficiency in electronic commerce?
سال انتشار : 2016
بخشی از مقاله انگلیسی:
2. CONCEPTUAL FRAMEWORK AND HYPOTHESES DEVELOPMENT
2.1. Literature Review Drawing on the transaction cost theory, researchers have modeled the demand of cash by applying an inventory-theoretic approach in which money and goods are treated symmetrically in budget constraints (Baumol, 1952; Tobin, 1956). These models follow the assumption that transactions demand for cash, represented by the “holder’s inventory of the medium of exchange,” increases with the transaction size and the withdrawal conversion cost between cash and deposits, but decreases with the interest rate on the deposits (Baumol, 1952, p. 545). Consumer choice theory examines the relationship between individual consumer preferences focusing on the consumption of goods and services with regard to consumer expenditure constraints. Based on a utility model, rational individuals choose competing and substituting products when trying to maximize their overall satisfaction (Lancaster, 1966; Thaler, 1980; Uzawa, 1960). Building on the transactions demand for cash framework by Baumol (1952) and Tobin (1956), researchers have incorporated profit-maximizing consumer behavior and successively expanded it for more complex situations. Those include additional payment instruments besides cash (Santomero and Seater, 1996; Santomero, 1979; Whitesell, 1992). For instance, Whitesell (1992) assumes that rational customers choose payment instruments that minimize associated transaction and holding costs. Next to the strict cost-based approach, researchers identify a number of non-pecuniary determinants of payment choice with individual preferences towards, for example, convenience, reliability, safety, speed of transaction and, recordkeeping (Borzekowski et al., 2008; Fusaro, 2013). 2.2. Hypotheses Development Following the lead of Baumol (1952) and Tobin (1956), we start our hypothesis development with the core transactions demand for cash framework. According to this traditional cost-based approach, Whitesell (1989) assumes that consumer transaction costs – and thus the choice of payment – solely depends on the size of the respective transaction (Whitesell, 1992). Analyzing transaction costs to merchants in traditional retailing, ten Raa and Shestalova (2004) found strong evidence that the costs of making a payment increase with the number of transactions as well as their respective value. Further empirical research in brick-and-mortar retailing illustrates that average costs of making a pay- 4 ment crucially depend on the amount purchased, and vary widely across transaction instruments (Bergman et al., 2007; Boeschoten, 1998; Brits and Winder, 2005; Garcia-Swartz et al., 2006a, 2006b).
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