An exploratory study of negative option marketing: good, bad or ugly?

Purpose – The purpose of this exploratory research is to determine the consumer's perceptions of negative option marketing (NOM) offers regarding the value and equity of the offer and perceived opportunistic behavior inherent in the offer. In addition, the paper seeks to examine how a negative option offer versus a positive option offer influences consumer intentions to acquire a financial service.Design/methodology/approach – Using the customer database of a full‐service American bank, a survey was sent to demand deposit account holders. A survey then determined perceptions of the offer, perceptions of the bank making the offer, and intentions to purchase.Findings – Between the negative and positive option scenario sub‐samples, there were no differences in perceptions of value or equity, except in perceptions of opportunistic behavior – the negative option offers yielded significantly higher perceptions of opportunistic behavior. Perceptions of value, equity, and satisfaction with the offer were the same...