scholarly journals The Issue and Risk Analysis of the Credit Card

2021 ◽  
pp. 615-617
Author(s):  
Dhartee Ghawale ◽  
Pratiksha Gharde ◽  
Ashvini Bagade ◽  
N. Lakshmanan ◽  
Prof. Omkar Dudhbure
Keyword(s):  
Risk Analysis ◽  
Credit Card ◽  
Credit Rating ◽  
Rapid Development ◽  
Rating System ◽  
Credit Card Market

In order to systematically evaluate credit card risk, opportunities for specific action and activity are used on paper. Based on the rapid development of the local credit card market, the current risks of the application and the issue of the credit card are discussed. With a credit card application using a credit card, a situation may arise where a customer may wish to repay the loan on time. In addition, the credit rating system, marketing and approval method, credit card overpayment, incentive orders and penalties, use management and other related angles are considered to solve the credit card risk problem.

The gamification of trust: the case of China’s “social credit”

2018 ◽  
Vol 36 (1) ◽  
pp. 93-107 ◽  
Author(s):  
Zahy Ramadan
Keyword(s):  
Conceptual Framework ◽  
Tax Evasion ◽  
Credit Rating ◽  
Rating System ◽  
Credit System ◽  
Content Type ◽  
Social Credit ◽  
Chinese Business ◽  
Area Of Interest ◽  
New Business

Purpose China is establishing a social credit rating system with the aim to score the trust level of citizens. The scores will be based on an integrated database that includes a vast range of information sources, rating aspects like professional conduct, corruption, type of products bought, peers’ own scores and tax evasion. While this form of gamification is expected to have dire consequences on brands and consumers alike, the literature in that particular area of interest remains non-existent. The paper aims to discuss these issues. Design/methodology/approach A conceptual framework is suggested that highlights early on the risks and implications on brands and companies operating in that particular upcoming landscape. Findings The gamification of trust that the social credit system focuses on presents potential risks on brand and consumer relationships. This in turn will affect brand sustainability vis-à-vis the expected drastic changes in the Chinese business landscape. This study suggests the strategies to follow which will be of high interest to companies, consumers, as well as to the Chinese authorities during and after implementation stage. Originality/value This paper is amongst the first to discuss the potential effects of the Chinese social credit rating system on brands. The conceptual framework fills a sizeable gap in the literature and pioneers the discussion on potential dilemmas brands will be faced with within this new business landscape.

scholarly journals Credit Card Rates and Consumer Switch: New Evidence

2016 ◽  
Vol 8 (12) ◽  
pp. 95
Author(s):  
Omar A. Abdelrahman
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Credit Card ◽  
Percent Level ◽  
Empirical Finding ◽  
Credit Cards ◽  
Credit Card Market ◽  
The Ohio State University ◽  
Using Data ◽  
Level Of Significance

This paper investigates the underlying determinants of consumer’s choices regarding switching credit-card balances. To estimate the likelihood that consumers switch credit cards, two logit models are estimated. Using data from the Consumer Finance Monthly (CFM) of The Ohio State University, the author finds that at the conventional 5 percent level of significance, the following variables have significance: old interest rate, new interest rate, duration of the introductory rate, balances, number of credit cards, homeownership, and age. As expected, interest rates, balances, the duration of new introductory offer rates, and homeownership have the greatest influence on why or why not people switch credit cards. The findings are consistent with the view that consumers make rational decisions in the credit card market, challenging Ausubel’s (1991) argument of credit card consumer irrationality and Calem and Mester’s (1995) empirical finding that credit card rates are sticky because consumers are irresponsive to rate cuts.

Bank Credit Risk Analysis and Bank Credit Rating

2020 ◽  
pp. 275-348
Author(s):  
Terence M. Yhip ◽  
Bijan M. D. Alagheband
Keyword(s):  
Risk Analysis ◽  
Credit Risk ◽  
Credit Rating ◽  
Bank Credit ◽  
Credit Risk Analysis

scholarly journals PENGARUH GENDER, DAYA TARIK PROMOSI, KEPEMILIKAN KARTU KREDIT TERHADAP PERILAKU PEMBELIAN IMPULSIF ONLINE PRODUK LIFESTYLE

2018 ◽  
Vol 7 (10) ◽  
pp. 5570
Author(s):  
Made Santika Putra ◽  
I Wayan Santika
Keyword(s):  
Credit Card ◽  
Positive Impact ◽  
Rapid Development ◽  
Linear Regression Analysis ◽  
Population Data ◽  
Purchase Behavior ◽  
Buying Behavior ◽  
New Paradigm ◽  
Business World ◽  
Impulsive Buying

Technological advances create a new paradigm in the business world. The rapid development of internet usage will have a positive impact for online business in Indonesia. One of the most desirable consumer behavior by marketers who use online media is the impulsive purchase behavior. This study aims to determine the effect of gender, attractiveness of promotion and ownership of credit cards against impulsive buying behavior online. This research was conducted in Denpasar City involving 60 respondents through purposive sampling method. This method was chosen because it is not known exactly the number of population. Data were collected through questionnaires. Data analysis technique used is multiple linear regression analysis technique.The results of this study found that gender positively and positively affects online impulsive buying behavior, promotional appeal positively and significantly affects online impulsive buying behavior and credit card ownership positively and significantly affects online impulsive buying behavior. Marketers are expected to be more accurate in determining market segmentation, more creative in promoting and able to provide convenience and convenience in the payment process when shopping online. Keywords: gender, attraction of promotion, credit card ownership, impulsive buying behavior.

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