scholarly journals A flexible framework for intervention analysis applied to credit-card usage during the coronavirus pandemic

2021 ◽  
Author(s):  
Anson T.Y. Ho ◽  
Lealand Morin ◽  
Harry J. Paarsch ◽  
Kim P. Huynh
Keyword(s):  
Credit Card ◽  
Intervention Analysis ◽  
Flexible Framework ◽  
Credit Card Usage

Literature Study –Data Mining Techniques on Detecting Fradulent Activities in Credit Card

2017 ◽  
Vol 6 (10) ◽  
pp. 60
Author(s):  
S. K. Saravanan ◽  
G. N. K. Suresh Babu
Keyword(s):  
Data Mining ◽  
Credit Card ◽  
Data Transfer ◽  
Study Data ◽  
Time Requirement ◽  
Literature Study ◽  
Data Mining Techniques ◽  
Online Transactions ◽  
Secured Data ◽  
Credit Card Usage

In contemporary days the more secured data transfer occurs almost through internet. At same duration the risk also augments in secure data transfer. Having the rise and also light progressiveness in e – commerce, the usage of credit card (CC) online transactions has been also dramatically augmenting. The CC (credit card) usage for a safety balance transfer has been a time requirement. Credit-card fraud finding is the most significant thing like fraudsters that are augmenting every day. The intention of this survey has been assaying regarding the issues associated with credit card deception behavior utilizing data-mining methodologies. Data mining has been a clear procedure which takes data like input and also proffers throughput in the models forms or patterns forms. This investigation is very beneficial for any credit card supplier for choosing a suitable solution for their issue and for the researchers for having a comprehensive assessment of the literature in this field.

Credit card payments: do cultural values matter? Evidence from the European Union

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Delia Cornea
Keyword(s):  
European Union ◽  
Cultural Values ◽  
Risk Taking ◽  
Credit Card ◽  
Generalized Method Of Moments ◽  
Dynamic Panel Data ◽  
Content Type ◽  
Consumption Behavior ◽  
Payment Instruments ◽  
Credit Card Usage

PurposeThis study analyzes how cultural and social values shape specific attitudes toward credit cards and indebtedness and consumption behavior.Design/methodology/approachThe study uses a panel dataset for a selection of European Union countries from 2003 to 2016. The relation between credit card use and social and cultural attitudes is constructed by controlling for past habits in payment behavior and cross-substitution with alternative payment instruments by employing a dynamic panel data analysis based on the system Generalized Method of Moments (GMM) estimator.FindingsThe total value of credit card payments positively correlated with values emphasizing risk-taking attitudes. When analyzing the propensity of using these instruments for larger purchases, the level of trust is the most relevant predictor. However, the results seemed region-specific with some variables correlating consumption behavior with credit card usage depending on the political and the economic background of the country. Moreover, risk-taking attitudes prevail when they are related to the extent to which countries rely on cash as a preferred payment instrument. Also, credit card usage is mainly explained by past habits and the economic context.Originality/valueThe model expands on previous credit card transaction research by including an additional set of cultural values able to account for the complex nature of payment instruments and their effects on indebtedness and consumption behavior.

scholarly journals Credit Card Usage Among College Students in China

2018 ◽  
Vol 29 (2) ◽  
pp. 304-315 ◽  
Author(s):  
Rui Yao ◽  
Xiangyi Meng
Keyword(s):  
College Students ◽  
Credit Card ◽  
Credit Cards ◽  
Common Method ◽  
Financial Knowledge ◽  
Chinese College Students ◽  
Credit History ◽  
Using Data ◽  
High Level ◽  
Credit Card Usage

Credit cards have become a common method of payment for college students in China. It is important that they form good credit card usage behaviors and build a good credit history early in their financial life. Using data collected from 10 universities in China, results of this study found that being financially dependent on their parents is negatively associated with Chinese college students’ ability to pay their credit card bills. The study also found that students with a high level of financial knowledge were less likely to take cash advances on their credit card. Implications for financial educators and parents as well as policymakers were provided.

scholarly journals ATTRIBUTES OF ACADEMICIANS' CREDIT CARD USAGE BEHAVIORS IN MALAYSIA

2018 ◽  
Vol 8 ◽  
pp. 73-85
Author(s):  
Chooi-Yi Wei ◽  
Lai-Kwan Chin ◽  
Yoke-Chin Kuah ◽  
Mei-Si Chia
Keyword(s):  
Credit Card ◽  
Credit Card Usage

Understanding Young Consumer Perceptions on Credit Card Usage: Implications for Responsible Consumption

2014 ◽  
Vol 10 (4) ◽  
pp. 287-302 ◽  
Author(s):  
Weng Marc Lim ◽  
Woo Kan Ng ◽  
Jin How Chin ◽  
Alexander Wei-Xiang Boo
Keyword(s):  
Credit Card ◽  
Consumer Perceptions ◽  
Responsible Consumption ◽  
Credit Card Usage

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

2016 ◽  
Vol 3 (2) ◽  
pp. 19
Author(s):  
Mallika Appuhamilage Kumudini Sriyalatha
Keyword(s):  
Regression Analysis ◽  
Sri Lanka ◽  
Credit Card ◽  
Credit Cards ◽  
Lessons Learned ◽  
Perceived Usefulness ◽  
Contributory Factor ◽  
Influential Variable ◽  
The University ◽  
Credit Card Usage

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 R2 also indicates that the model has good fit: 52.5% variation in attitude towards credit card usage is explained by estimated regression equation.Keywords: Attitude, Credit Card, Academics, Sri Lanka

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