scholarly journals Factors Impact on Consumer Credit Card Usage Behaviour: Evidence from Sri Lanka

2021 ◽  
Vol 7 (2) ◽  
pp. 146
Author(s):  
L. G. R. V. De Silva ◽  
S. S. J. Patabendige
Keyword(s):  
Sri Lanka ◽  
Credit Card ◽  
Consumer Credit ◽  
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

A Rejoinder to “Social Class or Income?”

1972 ◽  
Vol 36 (1) ◽  
pp. 69-70
Author(s):  
H. Lee Mathews ◽  
John W. Slocum
Keyword(s):  
Social Class ◽  
Commercial Bank ◽  
Credit Card ◽  
Consumer Credit ◽  
Bank Credit ◽  
Credit Card Usage

The authors offer a rejoinder to Professor Curtis's comment on their articles, “Social Class and Commercial Bank Credit Card Usage,” and “Social Class and Income as Indicators of Consumer Credit Behavior.”

scholarly journals ASSOCIATION BETWEEN DEMOGRAPHIC FACTORS AND ATTITUDE TOWARDS CREDIT CARD USAGE, AMONG THE HOUSEHOLDS IN KARAVEDDY DIVISIONAL SECRETARIAT IN JAFFNA DISTRICT - SRI LANKA

2018 ◽  
Vol 6 (6) ◽  
pp. 16-21 ◽  
Author(s):  
T. Athiyaman ◽  
V.A. Subramaniam
Keyword(s):  
Economic Development ◽  
Sri Lanka ◽  
Credit Card ◽  
Financial Burden ◽  
Payment System ◽  
Modern World ◽  
The People ◽  
Technological Developments ◽  
Credit Card Usage ◽  
Important Evidence

Technological developments play a significant role in accelerating economic development of nations. One of the important evidence for the above statement is the payment system using the card. This payment instrument is called as credit card. The credit card, also referred to as "plastic money" represents a contemporary payment system in the modern world. It can be stated as a payment tool that provides to the people the possibility of purchasing needed goods or services, without making any payment at that moment of purchase, by allowing them to make such payment at a later time, without charging any additional financial burden.

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.

Why Did Credit Card Balances Decline so Much during the COVID-19 Pandemic

FEDS Notes ◽  
2021 ◽  
Vol 2021 (3025) ◽  
Author(s):  
Robert M. Adams ◽  
◽  
Vitaly M. Bord ◽  
Bradley Katcher ◽  
◽  
...  
Keyword(s):  
United States ◽  
Credit Card ◽  
Consumer Credit ◽  
The United States ◽  
History Of

Consumer credit card balances in the United States experienced unprecedented declines during the COVID-19 pandemic. According to the G.19 Consumer Credit statistical release, revolving consumer credit fell more than $120 billion (11 percent) in 2020, the largest decline in both nominal and percentage terms in the history of the series.

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