Consumer Behavior for Credit Card Campaigns

2016 ◽  
pp. 251-285
Author(s):  
Guillaume Soule
Keyword(s):  
Consumer Behavior ◽  
Credit Card

scholarly journals Consumer Behavior toward the Use of Credit Cards: The Empirical Evidence from Iraq

2020 ◽  
Vol 5 (1) ◽  
pp. 53
Author(s):  
Amanj Mohamed Ahmed
Keyword(s):  
Consumer Behavior ◽  
Credit Card ◽  
Credit Cards ◽  
Modern World ◽  
Kurdistan Region ◽  
Chi Square ◽  
Related Field ◽  
Accessible Information ◽  
The World ◽  
The Impact

Credit card is a payment tool in the modern world and it is being called the plastic money. In Iraq and especially in Kurdistan region, the credit card utilization now is appealing to be more attractive. To address this issue, the present study sheds some light on the impact of credit cards on the consumer behavior and the benefits of credit cards for people of Kurdistan, Iraq. The data were obtained from 40 participants consisting of academicians in the related field, managers of banks, and credit card users by means of questionnaires. A range of variables that agreed to demographic information, such as level of education, gender, and income, were also considered. Drawing on chi-square and modeling analysis, the results portrayed a positive relationship between the costumer information and their behavior in using credit cards. The results of this study further suggest that since people in Kurdistan region of Iraq would like to apply credit cards in all aspects of life, the financial institutions should provide accessible information and valuable services. All in all, from this study it is implied that the “plastic money” makes a revolution in banking industry across the world and nowadays electronic banking becomes familiar to the world.

scholarly journals Analisis Perilaku Konsumen Dan Keamanan Kartu Kredit Perbankan

2020 ◽  
Vol 1 (1) ◽  
pp. 85-96
Author(s):  
Decky Hendarsyah
Keyword(s):  
Consumer Behavior ◽  
Credit Card ◽  
Credit Cards ◽  
Personal Factors ◽  
Payment Methods ◽  
Cash Payment ◽  
Banking Credit

This paper discusses consumer behavior and banking credit card security. Credit cards are present as one of the non-cash payment methods that simplify business and financial matters so that many consumers use them. After review and discussion, it was found that consumer behavior in using credit cards is more dominated by personal factors. With the drive for needs and lifestyle, many consumers are interested in using a credit card. The bank as a credit card issuer also provides sophisticated and multi-layered security features. Even so, it still has a gap for the presence of fraud crime in various ways and forms. In order for credit cards to be safe from crime and fraud, consumer behavior must be changed by maintaining confidentiality, caution and vigilance in conducting transactions.

The Application of K-Means in Personal Credit Analysis

2011 ◽  
Vol 403-408 ◽  
pp. 2461-2464
Author(s):  
Ping Han ◽  
Jia Jia Chai
Keyword(s):  
Statistical Analysis ◽  
Consumer Behavior ◽  
Credit Card ◽  
General Trend ◽  
Experimental Results ◽  
Dynamic Clustering ◽  
High Quality ◽  
Personal Credit ◽  
Credit Analysis

In this paper, we use K-means algorithm to realize dynamic clustering for the information of personal credit card bills, and through the statistical analysis of the results, we can get the analytics of the general trend of consumer behavior completely. In the experiment, we use K-means Algorithm to implement the clustering and analyze the experimental results which show that the results of this clustering can play a certain role in the analysis of the credit habit of discreditable users and high quality ones.

scholarly journals The COVID-19 Inflation Weighting in Israel

2021 ◽  
Vol 0 (0) ◽  
Author(s):  
Jonathan Benchimol ◽  
Itamar Caspi ◽  
Yuval Levin
Keyword(s):  
Consumer Behavior ◽  
Credit Card ◽  
Inflation Rate ◽  
Vaccination Campaign ◽  
Developed Countries ◽  
Household Consumption ◽  
Consumer Spending ◽  
Goods And Services ◽  
Inflation Bias ◽  
Significant Bias

Abstract Significant shifts in the composition of consumer spending as a result of the COVID-19 crisis can complicate the interpretation of official inflation data, which are calculated by the Central Bureau of Statistics (CBS) based on a fixed basket of goods. We focus on Israel as a country that experienced three lockdowns, additional restrictions that significantly changed consumer behavior, and a successful vaccination campaign that has led to the lifting of most of these restrictions. We use credit card spending data to construct a consumption basket of goods representing the composition of household consumption during the COVID-19 period. We use this synthetic COVID-19 basket to calculate the adjusted inflation rate that should prevail during the pandemic period. We find that the differences between COVID-19-adjusted and CBS (unadjusted) inflation measures are transitory. Only the contribution of certain goods and services, particularly housing and transportation, to inflation changed significantly, especially during the first and second lockdowns. Although lockdowns and restrictions in developed countries created a significant bias in inflation weighting, the inflation bias remained unexpectedly small and transitory during the COVID-19 period in Israel.

scholarly journals The Relationship between Consumer Credit Card Debt and Immigrants in the UK: A Systematic Review

2020 ◽  
Vol 4 (2) ◽  
pp. 86-114
Author(s):  
Paul Thompson
Keyword(s):  
Consumer Behavior ◽  
Financial Literacy ◽  
Credit Card ◽  
Influential Factors ◽  
Unique Contribution ◽  
Credit Card Debt ◽  
Home Equity ◽  
Screening Process ◽  
The Uk ◽  
The Relationship

Purpose: This paper systematically reviews a reappraisal of the relationship between consumer behavior and credit card debt. Methodology: A thorough search was performed using scholarly databases including EBSCOHost, Google Scholar, Wiley Online Library, JStor, ProQuest, and Taylor & Francis. After a vigorously screening process, a total of 77 articles were accepted with the majority (96%) of articles published after 2012. Several consumer behavior factors were considered such as social factors, psychological factors, impulse buying, compulsive buying, optimism and pessimism, risk-seeking, mental health, age, income, education, immigrants, religion and financial literacy. Findings: Overall, influential factors that contribute to credit debt can be attributed to redlining and predatory lending by financial institutions. Racial inequalities have been shown to play a significant role in credit debt, especially in the UK. Unique contribution to theory, practice and policy: A major knowledge gap concerning immigrants exists and further provide insight on the role played by an individual’s ethnic group in the rate of home equity decline as well as the overall net wealth of a household, ultimately affecting their credit debt. It would be useful for policy-makers to examine the biased placed on credit debt and social-economic backgrounds.

Credit Card Purchasing and Static Consumer Behavior Theory

1974 ◽  
Vol 56 (1) ◽  
pp. 129-134 ◽  
Author(s):  
Thomas L. Sporleder ◽  
Robert R. Wilson
Keyword(s):  
Consumer Behavior ◽  
Credit Card ◽  
Behavior Theory

scholarly journals Does Opening Complaints Data Change Company and Consumer Behavior? Evidence from the Consumer Financial Protection Bureau

2017 ◽  
Author(s):  
Kweku A. Opoku-Agyemang
Keyword(s):  
Consumer Behavior ◽  
Technological Change ◽  
Credit Card ◽  
Economic Inequality ◽  
Financial Protection ◽  
Timely Manner ◽  
The Public ◽  
Public Monitoring

I analyze a technological change which improved the public monitoring of financial customer treatment. This major assessment of the Consumer Financial Protection Bureau is based on its exposing credit card-related complaints online while keeping mortgage-related complaints concealed. Exposed companies were more likely to close complaint files while providing explanations and relief to aggrieved consumers and in a timely manner. The transparency policy seems uncompromised by economic inequality. Consumers procrastinate in reporting exposed banks while rewarding exposed banks for their improved behavior with new accounts. Debt remained generally stable. Surprisingly, both consumers and banks benefit when offending banks are exposed online.

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