電子マネーの利用実態と利用上の課題 : 大学生調査から<人文・社会科学>

概要

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In Japan, IC card type electronic money (e-money) was spread in 2000's. In 2007 two national chain retail trade companies started e-money payment system respectively. After that, e-money has been spreading rapidly. The purpose of this study is to clarify how e-money is used and impact of using emoney on spending behavior. The study samples are 336 university students in a suburb of Tokyo. Data were collected using a self-administered questionnaire in 2007. We have found that almost all samples evaluate e-money's portability, but approximate 80% of samples are anxious about security and blunting of money sense. 77.2% of samples hold e-money. 73.3% of holders feel the difference of the sense between using cash and using e-money. And some feel inducibility of shopping and blunting of money sense through using e-money. Recognizing negative image for e-money suppress holding e-money. Consumers should consider not only good aspects of e-money, but also bad aspects of that before spending by using e-money. Given that the samples who felt the difference in spending sense might get acquainted with the difference through this survey, such a survey itself may play a certain role in providing consumers with recognition in terms of the difference in spending sense and the change of money sense due to e-money usage.