From: Financial literacy, behavioral traits, and ePayment adoption and usage in Japan
 | Mean | SD |
---|---|---|
Financial literacy score | 14.15 | 6.87 |
e-money adopter | 35.78 | 47.94 |
AppMoney adopter | 7.97 | 27.09 |
ePayment adopter | 37.96 | 48.53 |
Risk aversion | 77.30 | 41.89 |
Herd behavior | 16.72 | 37.32 |
Limited acceptance (of stores) | 23.16 | 42.19 |
Long time for settlement | 8.73 | 28.23 |
Private information not adequately secure | 18.54 | 38.87 |
Lack of tools to prevent overuse | 10.48 | 30.63 |
Fully satisfied with cash | 24.49 | 43.01 |
Male | 49.45 | 50.00 |
Age group | ||
 Age < 30 (%) | 15.03 | 35.74 |
 Age ≥ 30 and < 40 | 16.04 | 36.69 |
 Age ≥ 40 and < 50 | 19.10 | 39.31 |
 Age ≥ 50 and < 60 | 16.12 | 36.77 |
 Age ≥ 60 and < 70 | 19.24 | 39.42 |
 Age ≥ 70 | 14.48 | 35.19 |
Education | ||
 Primary/secondary/others | 2.90 | 16.78 |
 High school | 32.41 | 46.81 |
 Specialized college | 11.24 | 31.59 |
 Junior college/technical college | 11.33 | 31.69 |
 University | 38.20 | 48.59 |
 Graduate school | 3.92 | 19.41 |
Income (Yen) | ||
 No income | 3.18 | 17.56 |
 < 2.5 ml | 15.68 | 36.36 |
 ≥ 2.5 ml and < 5 ml | 28.32 | 45.06 |
 ≥ 5 ml and < 7.5 ml | 17.32 | 37.84 |
 ≥ 7.5 ml and < 10 ml | 9.84 | 29.79 |
 ≥ 10 ml and < 15 ml | 5.38 | 22.56 |
 ≥ 15 ml | 1.91 | 13.68 |
 Don't know/don’t say | 18.37 | 38.73 |