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Saber, Sentir, Pagar, mas Como?
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| 1.38 MB | Adobe PDF |
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Abstract(s)
Um dos objectivos deste estudo passa por perceber de que forma o grau de aversão à dívida
influencia a tomada de decisão sobre qual o método de pagamento – pré-pagamento ou póspagamento
- escolhido no momento da compra pelo consumidor. Concluir se aqueles
consumidores que têm um menor grau de Literacia Financeira tendem a optar por póspagamento
é outro dos objectivos deste estudo. Numa outra fase deste estudo, concluir se a
diferença entre Produto e Serviço influencia a tomada de decisão sobre o modo de pagamento
a utilizar no momento da compra será outro dos objectivos deste estudo. Efectuou-se uma
abordagem quantitativa com recurso a um questionário aleatório a aproximadamente 200
indivíduos do sexo masculino e feminino, com idades entre os 18 e os 54 anos de idade. Os
resultados demonstram que a preferência do Consumidor sobre o modo de pagamento a
utilizar não é influenciado pela sua atitude face à dívida; os consumidores que tenham aversão
à dívida tenderão a evitar optar por pós-pagamento. O cluster de consumidores que obteve um
baixo nível de Literacia Financeira utiliza frequentemente cartão de crédito. Quanto ao último
objectivo deste estudo, os resultados demonstram que a diferença entre Produto e Serviço não
terá impacto na tomada de decisão sobre o modo de pagamento a utilizar; os consumidores
tenderão a optar, independentemente da natureza do objecto de compra, por pré-pagamento.
Os resultados alcançados em relação ao impacto causado pela diferença entre Produto e
Serviço constituem um importante ponto de reflexão junto dos estudos realizados
anteriormente.
One of the aims of this research is to understand how the degree of aversion to debt influences the decision about which payment method consumers will choose: pre-payment or post-payment. Concluding if the consumers who have a lack of Financial Literacy are the ones who mostly opt for post-payment is one of the other aims of this research. In another phase of this research, conclude if the difference between a Product and a Service influence the way consumers take their decision about the payment method will be the other aim of this research. A quantitative approach was made using a query which was randomized through approximately 200 consumers from both of the genders, from 18 years old till 54 years old. The results showed that that the preference about the payment method consumer´s would choose is not influenced by their attitude towards debt; the consumers who are debt averse will avoid post-payment. The cluster of consumers who had a low level of Financial Literacy are those who mostly assume using a credit card. According to the last aim of this research, the results have shown that the difference between Products and Services will not have impact in the decision taken by the consumers about the payment method to use; the consumers will opt, independently of what they are buying, for pre-payment. These last results are, for certain, important in order to think about the researches previously made.
One of the aims of this research is to understand how the degree of aversion to debt influences the decision about which payment method consumers will choose: pre-payment or post-payment. Concluding if the consumers who have a lack of Financial Literacy are the ones who mostly opt for post-payment is one of the other aims of this research. In another phase of this research, conclude if the difference between a Product and a Service influence the way consumers take their decision about the payment method will be the other aim of this research. A quantitative approach was made using a query which was randomized through approximately 200 consumers from both of the genders, from 18 years old till 54 years old. The results showed that that the preference about the payment method consumer´s would choose is not influenced by their attitude towards debt; the consumers who are debt averse will avoid post-payment. The cluster of consumers who had a low level of Financial Literacy are those who mostly assume using a credit card. According to the last aim of this research, the results have shown that the difference between Products and Services will not have impact in the decision taken by the consumers about the payment method to use; the consumers will opt, independently of what they are buying, for pre-payment. These last results are, for certain, important in order to think about the researches previously made.
Description
Keywords
Comportamento do consumidor Método de pagamento Contabilidade mental Decisões financeiras dos consumidores