List of variables included in the model
| Dimension | Item | Variable in the model | States |
|---|---|---|---|
| COVID worries | Q11 | How often do you look for information on COVID-19 in the media? | from 1 to 5 |
| Q12 | How reliable do you consider media reports (TV, newspapers, etc.) on COVID-19 to be? | from 1 to 5 | |
| Q13 | How concerned are you about getting infected with COVID-19? | from 1 to 5 | |
| Q14 | How worried are you that someone close to you may get sick from COVID-19? | from 1 to 5 | |
| Payment preferences | Q21 | How do you rate the payment by credit card? | from 1 to 5 |
| Q22 | How do you rate the cash payment by debit card? | from 1 to 5 | |
| Q23 | How do you rate contactless payments? | from 1 to 5 | |
| Q24 | How do you rate the payment via the app? | from 1 to 5 | |
| Q28 | How do you rate the importance of digital payment? | from 1 to 5 | |
| Financial security/anxiety | Q41 | I feel safe with respect to my financial situation | from 1 to 5 |
| Q42 | I feel calm with respect to my financial future | from 1 to 5 | |
| Financial literacy index (%) | Q15-19 | FL index | from 0 to 5 |
| Profiling | Q1 | Age range | 18–25; 26–35; 36–45; 46–55; 56–65; 66–75; >75 years old |
| Q2 | Sex | Male, Female, Prefer not to say | |
| Q3 | Civil Status | Married, Single/Unmarried, Divorced/Separated, Widowed | |
| Q4 | Educational Attainment | Middle school degree, High school degree, Bachelor’s degree, Master’s degree, Advanced degree, Ph.D. | |
| Q9 | Net Income Range | €0–€50, €50–€99, €100–€199, −€200 −€299, €300–€500, €500 or more, not said | |
| Q10 | Average M-payment in the last month | €0–€9.999, €10.000–€24.999, €25.000–€39.999; €40.000–€69.999, €70.000–€100.000, more than €100.00, Never used it | |
| Q4 | Italian Region of living | Italian Regions |
| Dimension | Item | Variable in the model | States |
|---|---|---|---|
| COVID worries | Q11 | How often do you look for information on COVID-19 in the media? | from 1 to 5 |
| Q12 | How reliable do you consider media reports (TV, newspapers, etc.) on COVID-19 to be? | from 1 to 5 | |
| Q13 | How concerned are you about getting infected with COVID-19? | from 1 to 5 | |
| Q14 | How worried are you that someone close to you may get sick from COVID-19? | from 1 to 5 | |
| Payment preferences | Q21 | How do you rate the payment by credit card? | from 1 to 5 |
| Q22 | How do you rate the cash payment by debit card? | from 1 to 5 | |
| Q23 | How do you rate contactless payments? | from 1 to 5 | |
| Q24 | How do you rate the payment via the app? | from 1 to 5 | |
| Q28 | How do you rate the importance of digital payment? | from 1 to 5 | |
| Financial security/anxiety | Q41 | I feel safe with respect to my financial situation | from 1 to 5 |
| Q42 | I feel calm with respect to my financial future | from 1 to 5 | |
| Financial literacy index (%) | Q15-19 | FL index | from 0 to 5 |
| Profiling | Q1 | Age range | 18–25; 26–35; 36–45; 46–55; 56–65; 66–75; >75 years old |
| Q2 | Sex | Male, Female, Prefer not to say | |
| Q3 | Civil Status | Married, Single/Unmarried, Divorced/Separated, Widowed | |
| Q4 | Educational Attainment | Middle school degree, High school degree, Bachelor’s degree, Master’s degree, Advanced degree, Ph.D. | |
| Q9 | Net Income Range | €0–€50, €50–€99, €100–€199, −€200 −€299, €300–€500, €500 or more, not said | |
| Q10 | Average M-payment in the last month | €0–€9.999, €10.000–€24.999, €25.000–€39.999; €40.000–€69.999, €70.000–€100.000, more than €100.00, Never used it | |
| Q4 | Italian Region of living | Italian Regions |
Source(s): Table created by authors
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