Factors Determining the Acceptance of Payment Methods by Online Shops in Poland

LSN: Other Issues Involving the Sale of Goods or Services to Consumers (Topic) Pub Date : 2010-02-28 DOI:10.2139/ssrn.1541202

Michał Polasik, P. Fiszeder

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引用次数: 21

Abstract

The paper deals with an analysis of factors influencing the acceptance of the seven major payment methods (i.e. cash on delivery, bank transfer, online payment integrator, payment in person, pay-by-link, card payment and virtual payment provider) by the Polish online shops. Our research was based on empirical data obtained from survey interviews conducted with the managers of online shops. The univariate logit models describing the acceptance of seven payment methods were constructed. A total of 45 explanatory variables divided into five categories were taken into account. The results obtained in the study demonstrated that a shop’s strategy of using traditional and electronic distribution channels has a strong influence on its acceptance of particular payment methods. The preferences of online shop managers, the involvement in online auctions and cross-border sales also play a significant role. The study confirmed competition between banks and non-bank intermediaries on the payment market as well as the widespread popularity of outsourcing in the area of online payments.

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决定波兰网上商店接受支付方式的因素

本文分析了波兰网上商店接受七种主要支付方式(货到付款、银行转账、网上支付集成商、亲自支付、链接支付、卡支付和虚拟支付提供商)的影响因素。我们的研究是基于对网上商店经理进行的调查访谈获得的经验数据。构建了描述七种支付方式接受程度的单变量logit模型。共考虑了45个解释变量，分为5类。在研究中获得的结果表明，商店使用传统和电子分销渠道的策略对其接受特定支付方式有很大的影响。网店经理的偏好、参与网上拍卖和跨境销售也起着重要作用。该研究证实了银行和非银行中介机构在支付市场上的竞争，以及在线支付领域外包的广泛普及。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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LSN: Other Issues Involving the Sale of Goods or Services to Consumers (Topic)

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