Determinants of Attitude towards Credit Card Usage

Ismail, Shafinar; Amin, Hanudin; Shayeri, Siti Faseha; Hashim, Nurhaslinda

doi:10.17576/pengurusan-2014-41-13

Cited by 18 publications

(21 citation statements)

References 26 publications

(33 reference statements)

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“…Moreover, the study shows that the convenience and security element that credit cards offer is most important for women. Ismail et al (2014) examined the factors influencing the attitude of bank customers in the context of the Malaysian banking system. The study employed the variable like knowledge, media awareness, perceptions, family influence and religious factors on attitudes towards credit card usage.…”

Section: Literature Reviewmentioning

confidence: 99%

Determinants of Customers’ Attitude towards Credit Card Usage: Lessons Learned From Academics in Sri Lanka

Sriyalatha

2016

CSBM

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This study examines the factors that influence the attitude of customers toward utilization of credit cards among academics at the University of Sri Jayewardenepura, Sri Lanka. 236 questionnaires were distributed through Google forms among academics in the Faculty of Management Studies and Commerce and 94 respondents have replied questionnaire back. Sample of the study is selected based on purposive sampling method.The factors which are included in this study are availability of information, perceived usefulness, and characteristics of card issuers, general satisfaction and card use intension. Multiple regression analysis is used to determine the most contributory factor that best predict the attitude toward using credit cards. According to the results of the study the most influential variable on attitude towards credit card usage is card used intention followed by perceived usefulness and availability of information. The most influential variable is explained 47.4% of the variation in the attitude towards usage of credit cards and the adjusted R 2 also indicates that the model has good fit: 52.5% variation in attitude towards credit card usage is explained by estimated regression equation.

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Section: Literature Reviewmentioning

confidence: 99%

Determinants of Customers’ Attitude towards Credit Card Usage: Lessons Learned From Academics in Sri Lanka

Sriyalatha

2016

CSBM

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“…El nivel de conocimiento y la educación financiera también son determinantes del uso de tarjetas de crédito (Ismail et al, 2014;Hayhoe, Leach, Allen, y Edwards 2005), así como las influencias familiares y de los medios de comunicación (Ismail et al, 2014). Las actitudes individuales también afectan la decisión de uso de las tarjetas de crédito.…”

Section: Revisión De Literaturaunclassified

Tarjetas de crédito en personas de ingresos medios y bajos en Colombia: ¿qué determina su uso?

Arango-Thomas¹,

Arango²,

Cardona-Sosa³

2019

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The determinants of the Crédito Fácil Codensa card usage are investigated, using the demographic characteristics of cardholders. This financing mechanism, widely used in Bogotá by people (more than 1.000.000 at the end of the sample period) whose income is in the lower part of the distribution, is used to finance the consumption of semi-durable goods (furniture, household appliances, computers, etc.) and non-durable goods (food, clothing, etc.). We analyze the determinants of the credit quota, the probability of using the card and the value of purchases for the period 2010-2015. Income, education, age, gender stratum and own housing are determinants of the credit limit along with variables indicating the phase of the cycle, the labor market performance, and the liquidity of the economy represented by the policy rate (proxied by the Interbank Rate, TIB). The probability of purchase is determined not only by the macroeconomic environment, but also by individual variables. Permanent income reduces the likelihood of buying. The amount of monthly purchases is determined by the current interest rate in the month of purchases or usury rate and by individual characteristics such as income, age, education, gender of the individual. There is evidence of liquidity restrictions for people who have a high use of the card limit. However, the decisions of most agents are not that far from the permanent income-life cycle hypothesis.

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“…It shows there is available information about plastic money. In their study, Ismail et al (2014) found that most of the respondents get knowledge about ATM cards from the bank. 3 shows that the majority of the respondents have a debit card.…”

Section: Knowledge About Plastic Money By the Usersmentioning

confidence: 99%

Using Plastic Money (Cards) in Kathmandu Valley: Users’ Knowledge, Current Use, Challenges and Way-forward

Devkota¹,

Shakya²,

Parajuli³

et al. 2021

IJBME

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This study aims to understand the users’ knowledge about plastic money, its current use, challenges they faced and way-forward. Based on descriptive research design, primary data is used for the purpose as per its suitability. A structured questionnaire has been arranged with the help of KOBO and devised for the information assortments from 404 plastic money users. Results found that people who use plastic money usually work in banks and financial institutions (33.87%) and are from the nuclear family (62.62%), with income between 25001 – 50000 (56%). 95.79 % of the respondents know about plastic money, and 86.3 % have plastic money. 88 % of respondents said they feel safe while using plastic money. 40.72% of respondents have faced challenges and problems while using plastic money. The majority (79.28%) of respondents believed that using the bank's services could be solved. It can be solved by giving training (34.85%), quick response to the problem raised by users (44.32%), update technology (34.47%) and keep a good network in the ATMs (71.79%) and quick solutions to the user's problems (75.76%). This study concludes that hassle-free transactions, a low-interest rate of credit cards, attractive advertisement, and awareness of how plastic money can use help and attract users of plastic money. .

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Determinants of Attitude towards Credit Card Usage

Abstract: Credit cards have been viewed as a competitive banking product that helps to improve a bank's financial position

Cited by 18 publications

References 26 publications

Determinants of Customers’ Attitude towards Credit Card Usage: Lessons Learned From Academics in Sri Lanka

Determinants of Customers’ Attitude towards Credit Card Usage: Lessons Learned From Academics in Sri Lanka

Tarjetas de crédito en personas de ingresos medios y bajos en Colombia: ¿qué determina su uso?

Using Plastic Money (Cards) in Kathmandu Valley: Users’ Knowledge, Current Use, Challenges and Way-forward

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