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Why Does Cash Still Exist?
KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
2018 (English)Independent thesis Advanced level (degree of Master (Two Years)), 20 credits / 30 HE creditsStudent thesisAlternative title
Varför Existerar Fortfarande Kontanter? (Swedish)
Abstract [en]

With non-cash transactions on the rise and the debate about the future cashless society is raging, cash is still being used around the world with varying degrees. This thesis studies the behavioral determinants of consumers with regard to cash usage. The current research have found several determinants of consumer behavior and this study aims at combining the existing knowledge into one model that might explain peoples’ payment medium behaviors. The method chosen in this thesis was to do a factor analysis in order to validate the hypothesized model. The obtained data-set was analyzed by using IBM SPSS Statistics, version 24.0.0.0. To start with the data was deemed to be suitable after checking the adequacy of our data set through a KMO and Bartlett’s test and further by looking at the MSA table where the variables score quite high indicating that the data is suitable. Secondly the results from the factor analysis indicated that there are eight components extracted with some components being uncorrelated but the majority of extracted components from the output being correlated. Finally we found that our theoretical model holds but we recommend further research to be conducted on how locations determine cash usage. Moreover, we noted that some components into the socio-demographic groups are uncorrelated and thus we would like to recommend further research into the statistical validity of the model.

Abstract [sv]

Trots stadigt ökande andelen ickekontanta transaktioner kombinerat med den pågående debatten om det kontantlösa samhället så används fortfarande kontanter (i varieande utsträckning) runt om världen. Denna uppsats studerar beteendedeterminanter med hänsyn konsumenters val av olika betalningsmedel. Tidigare studier har hittat bevis för flera olika determinanter som påverkar konsumenters beteenden och denna uppsats syftar till att kombinera existerande determinanter till en modell som kan förklara konsumenters beteendemönster kring valet av olika betalningsmedier. Faktoranalys har varit den valda metoden för denna studie för att kunna validera den hypotiserad bettendemodellen. Det erhållna datasetet analyserades med hjälp av mjukvaran SPSS IBM SPSS Statistics, version 24.0.0.0. Till att börja med så ansågs datan vara passande efter lämplighetstest av det tillgängliggjorda datasetet och därefter kontrollera resultaten från KMO- och Barlettstesterna samt att undersöka resultaten från MSA-tabellen där flera variabler innehar höga värden vilket indikerade att datan var lämplig för vidare analys. Resultaten från faktoranalysen indikerar att vi erhöll totalt åtta komponenter där ett fåtal korrelerade men majoriteten av komponenterna var inte korrelerade. Till att börja med så fann vi att datan var lämplig för vidare analys. Därefter fick vi åtta extraherade komponenter vilka teoretiskt kunde härledas till vår modells hypotiserade determinanter. Till slut fann vi att vår teoretiska modell håller men vill rekommendera vidare forskning på hur specifika platser determinerar kontantanvändning. Dessutom så noterade vi att vissa komponeter inte korrelerar hos vissa sociodemografiska grupper och vi vill därför rekommendera vidare forskning för att bättre validera modellen statistiskt.

Place, publisher, year, edition, pages
2018. , p. 76
Series
TRITA-ABE-MBT ; 18178
Keywords [en]
Cash, Cashless, Society, Banking, Finance, Behavioral Economis, Big Data, SPSS, Bank, Finans, Kontanter, Kontantlös, Factor Analysis, Principal Component Analysis
Keywords [sv]
Cash, Cashless, Society, Banking, Finance, Behavioral Economics, Big Data, SPSS, Bank, Finans, Kontanter, Kontantlös, Factor Analysis, Principal Component Analysis
National Category
Engineering and Technology
Identifiers
URN: urn:nbn:se:kth:diva-231406OAI: oai:DiVA.org:kth-231406DiVA, id: diva2:1228098
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Examiners
Available from: 2018-07-02 Created: 2018-06-27 Last updated: 2018-07-02Bibliographically approved

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