Credit Card Usage Behavior: Some Insights from Nova Scotia, Canada

2015 ◽  
pp. 78-82 ◽  
Author(s):  
Erdener Kaynak ◽  
Ugur Yucelt
Keyword(s):  
Nova Scotia ◽  
Credit Card ◽  
Usage Behavior ◽  
Credit Card Usage

scholarly journals Understanding Credit Card Usage Behavior of Elderly Korean Consumers for Sustainable Growth: Implications for Korean Credit Card Companies

2021 ◽  
Vol 13 (7) ◽  
pp. 3817
Author(s):  
Kwon Jung ◽  
Moon Young Kang
Keyword(s):  
Credit Card ◽  
Senior Citizens ◽  
Credit Cards ◽  
Demographic Variables ◽  
Sustainable Growth ◽  
Target Groups ◽  
Usage Behavior ◽  
The Republic ◽  
Credit Card Usage ◽  
Retirement Status

The Republic of Korea is the fastest aging country in the world, and its silver market, which is the market segment broadly defined as senior citizens, began to emerge in 2008 as Korean baby boomers started to retire. Given that the assets of households headed by individuals 55 years of age and over are much higher than those of average Korean households, it is essential for Korean financial institutions targeting elderly consumer groups to understand their credit card usage behavior, as it can be very attractive and provide the potential to lead to sustainable growth for institutions, while the market targeting for this group has not been well developed yet. This study examined elderly Korean consumers’ credit card usage behavior in terms of key demographic variables. In this study, we found that the number of cards owned was negatively related to age and positively related to income level. In addition, those who were not retired owned more credit cards than those who were. Although the average monthly expenditure by credit cards was positively related to income, it was not significantly different in terms of age or retirement status. The findings from this research provide significant implications for marketers of credit card companies when searching for key target groups, particularly elderly consumers.

Malaysian consumers' credit card usage behavior

2010 ◽  
Vol 22 (4) ◽  
pp. 528-544 ◽  
Author(s):  
Zafar U. Ahmed ◽  
Ishak Ismail ◽  
M. Sadiq Sohail ◽  
Ibrahim Tabsh ◽  
Hasbalaila Alias
Keyword(s):  
Credit Card ◽  
Usage Behavior ◽  
Credit Card Usage

scholarly journals A STUDY ON LITERACY AND USAGE BEHAVIOUR OF CREDIT CARDS USERS IN INDIA

2020 ◽  
Vol 8 (1) ◽  
pp. 60-68
Author(s):  
Mohammad Ahmar Uddin
Keyword(s):  
Logistic Regression ◽  
Credit Card ◽  
Credit Cards ◽  
Demographic Factors ◽  
Demographic Information ◽  
High Interest ◽  
Usage Behavior ◽  
Credit Card Usage ◽  
Interest Payments ◽  
Insight Into

Purpose of the study: This study aims to find credit card literacy (henceforward CCL) and credit card usage behavior (henceforward CCUB) in India. Methodology: A survey was conducted on 400 respondents who were using a credit card in India. The questionnaire used for collecting data consisted of three sections; demographic information, CCL, and CCUB. To check the CCL, the customers were asked to rate their awareness of the terms and conditions of the credit card providers, while CCUB was measured using five questions. Main findings: CCL is found to be 34% and the results of logistic regression show that CCL and demographic factors influence the CCUB. Implications of this study: An understanding of the CCUB will be helpful in controlling excessive debt and high-interest payments. Novelty/Originality of this study: This paper gives a unique insight into CCL and CCUB in India.

scholarly journals PENGARUH FAKTOR DEMOGRAFI TERHADAP PERILAKU PENGGUNAAN KARTU KREDIT

2016 ◽  
Vol 4 (2) ◽  
pp. 172
Author(s):  
Mariana Ing Malelak ◽  
Gesti Memarisa ◽  
Njo Anastasia
Keyword(s):  
Data Collection ◽  
Marital Status ◽  
Credit Card ◽  
Descriptive Analysis ◽  
Credit Cards ◽  
Demographic Factors ◽  
Shopping Center ◽  
Card Holder ◽  
Usage Behavior ◽  
Credit Card Usage

Abstract: This study aimed to determine the effect of demographic factors on credit card usage behavior. Demographic factors such as age, gender, income, education, marital status, according to some previous research has significant effect to credit card usage behavior, both it is related with spending activity with credit cards and also the pattern of payments in pay off credit card bills. Sampling was conducted on people  who  live  in  Surabaya, which  has  a  credit  card  either  as  primary and additional card holder. The data collection use questionnaires form, which is distributed to shopping center visitors in Surabaya. Descriptive analysis is used to decribe the demographic factors and credit card usage behavior. SEM-PLS test conducted  to  examine  the  effect  of  demographic factors  such  as  age,  gender, income, education, marital status on credit card usage behavior in Surabaya. The results showed demographic factors (age, income and marital status) significantly affect the credit card usage behavior (in terms of pay off credit card bills) in Surabaya.Keywords: Demographic Factors, Credit card usage behavior.

Credit Card Usage Behavior Between Anglos and Hispanics

1998 ◽  
Vol 20 (4) ◽  
pp. 429-447 ◽  
Author(s):  
Jose F. Medina ◽  
Chak-Tong Chau
Keyword(s):  
Credit Card ◽  
Usage Behavior ◽  
Credit Card Usage
Sign in / Sign up

Export Citation Format

Share Document