Customer Perceptions of a Thin-Client Micro-Payment System: Issues and Experiences

Customer Perceptions of a Thin-Client Micro-Payment System: Issues and Experiences

Xiaoling Dai (University of Auckland, New Zealand) and John Grundy (University of Auckland, New Zealand)
Copyright: © 2004 |Pages: 18
DOI: 10.4018/978-1-59140-257-2.ch008
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Abstract

Two fundamental payment methods exist for online information purchase: macro-payment and micro-payment. Traditional macro-payment methods, like credit and charge cards and digital currency, are suitable for large-value, low-volume transactions. However, large-volume, low-value commodities, such as discrete units of information from a website, better suit a micro-payment model. In micro-payment, customers pay for large numbers of small value goods (e.g., per-web page view) with “e-coins”, typically of very small value each. We have carried out an empirical assessment of micro-payment and macro-payment purchasing models for an online newspaper application. We report on the design of our experiment, the two kinds of micro-payment (client and server-side e-wallets) used, and customer feedback. We also carried out an assessment of customer effort and economic trade-off when using these services, and compared the results of this assessment to a survey of customers using each system. We present directions for further online payment research aiming to improve the overall satisfaction and efficiency of payment models for end users.

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Table of Contents
Acknowledgments
Mo Adam Mahmood
Chapter 1
David Gefen
According to the Technology Acceptance Model (TAM), behavioral intentions to use a new IT are primarily the product of a rational analysis of its... Sample PDF
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Chapter 2
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Assessing Customer Perceptions of Web Site Service Quality in Digital Marketing Environments
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Chapter 3
William Golden, Martin Hughes, Patricia Gallagher
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On-Line Retailing: What Drives Success? Evidence from Ireland
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Chapter 4
Lori N.K. Leonard, Timothy Paul Cronan
Electronic commerce (EC) includes electronic data interchange (EDI) and the Internet and is used in various applications to seek improvements in... Sample PDF
Website Retailing: Electronic Supply Chain Replenishment
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Chapter 5
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The recent failure of a large number of e-tail companies epitomizes the challenges of operating through virtual channels and underscores the need to... Sample PDF
A Meta-Analysis Approach toward the Development of an Integrative Framework for Online Consumer Behavior Research
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Chapter 6
Christopher Hodkinson, Geoffrey Kiel
This chapter develops a model of consumer Web search behavior. The model is derived from consumer external information search behavior models and... Sample PDF
Understanding Web Information Search Behavior: An Exploratory Model
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Chapter 7
Jason E. Lueg, Robert S. Moore, Merrill Warkentin
The Internet is drawing consumers in search of information about a broad range of topics. In order to understand how consumers search for and... Sample PDF
Motivation and Search Intensity: An Investigation of Online Consumer Search Behavior
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Chapter 8
Xiaoling Dai, John Grundy
Two fundamental payment methods exist for online information purchase: macro-payment and micro-payment. Traditional macro-payment methods, like... Sample PDF
Customer Perceptions of a Thin-Client Micro-Payment System: Issues and Experiences
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Chapter 9
John Gammack, Christopher Hodkinson
Consumer purchasing online is considered, with interactivity highlighted as a critical end-user issue. Levels of user interactivity up to and... Sample PDF
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Chapter 10
Robert W. Stone, John W. Henry
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Chapter 11
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Understanding the Hidden Dissatisfaction of Users Towards End User Computing
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Chapter 12
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Chapter 14
Andrew Sears, Julie A. Jacko
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Exploring the Effects of Hardware Performance, Application Design and Cognitive Demands on User Productivity and Perceptions
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Chapter 15
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Chapter 16
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