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The interim payment alternative is crucially important.
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The only attribute level without a statistically significant effect on the selection of a payment alternative was household coverage as an indicator of evaluation for the RBF mechanism.
Our DCE provides further evidence for this fear: reimbursement of service fees and an annual provision of medical supplies and materials by the CBI scheme had the greatest effect on whether a payment alternative was chosen or not, leading to the recommendation to diversify provider payment in the CBI to include these mechanisms.
In the main-effects model, 100% reimbursement of service fees (adjusted odds ratio (aOR) 1.49, p < 0.001) and donation of medical supplies and equipment (aOR 1.47, p < 0.001) had the largest effect on the probability of a payment alternative being chosen.
And there's a quickly growing payment alternative that is becoming popular in Europe: e-cash, an electronic payment system developed by companies like Mondex in the U.K. (owned by MasterCard International of the U.S).
Another alternative is a payment holiday.
The alternative is an installment sale, with payments plus interest over a defined period.
Of course, an alternative is to just make one extra payment at some point during the year.
The alternative is no alternative.
The big question for retailers that take the time to try alternative payment services is whether customers who opt for Bill Me Later or PayPal would have otherwise bought the goods anyway with their credit cards.
"Alternative payments are here to say, and the growth seems to be going a lot faster".
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com