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

scholarly journals Pengaruh literasi dan pengalaman keuangan terhadap penggunaan kartu kredit pekerja di Banyuwangi

2019 ◽  
Vol 6 (2) ◽  
Author(s):  
Cintya Restu Destianata ◽  
Lutfi Lutfi
Keyword(s):  
Regression Analysis ◽  
Multiple Regression Analysis ◽  
Financial Literacy ◽  
Credit Card ◽  
Credit Cards ◽  
Snowball Sampling ◽  
Luxury Good ◽  
The Rich ◽  
Credit Card Usage ◽  
The Impact

Nowadays, credit card is not any longer a luxury good because it is not only owned the rich. In addition, to use it wisely, the users should have adequate financial literacy and financial experience. This study aims to examine the impact of financial literacy and financial experience on credit card usage by the workers. The data were collected using a questionnaire. The respondents were taken from 110 workers in Banyuwangi who have got credit cards with them. They were selected based using snowball sampling. The data were analyzed by using Multiple Regression Analysis, this study finds that financial experience positively affects the credit card usage, but financial literacy has no effect on it.

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 Investigating impact: Exploring the effect of ‘open’ support on student success

2019 ◽  
Author(s):  
Jennie Rose Steres Blake ◽  
Nicola Grayson ◽  
Sami Karamalla-Gaiballa
Keyword(s):  
Regression Analysis ◽  
Student Success ◽  
Undergraduate Students ◽  
Positive Impact ◽  
Lessons Learned ◽  
Face To Face ◽  
Degree Classification ◽  
The University ◽  
University Of Manchester ◽  
The Impact

Traditional investigations into the impact of skills support on student success tend to focus on embedded or curriculum linked modes of delivery. The subject of this investigation concerns a study of the impact of ‘open’ support delivered through the University of Manchester library’s My Learning Essentials skills programme (MLE). MLE is a blended service providing both face-to-face and online support through two dominant pathways: one which is embedded in the curriculum and one which is ‘open to all’ regardless of degree programme or level of study. The ‘open’ nature of this type of support and the variety amongst the student population who engage with it means that measuring the impact on areas such as attainment has always been difficult. This article will present the results of a small study that investigated a specific cohort of undergraduate students in order to assess whether connections could be drawn between attendance at MLE ‘open’ workshops and degree classification. Although the cohort investigated was quite small, there is evidence of significant positive impact on student attainment as a result of engagement with the MLE programme. The data was run through a regression analysis that controlled for factors that could influence attainment and compared attendees of MLE open workshops with those who did not attend. Beyond the results of the regression analysis the study reveals interesting data around student uptake of MLE as a service and presents the methodology used, the results gained, and the lessons learned throughout the process.

Consumer intention and credit card adoption in Vietnam

2018 ◽  
Vol 30 (4) ◽  
pp. 779-796 ◽  
Author(s):  
Oanh Dinh Yen Nguyen ◽  
John F. Cassidy
Keyword(s):  
Technology Adoption ◽  
Southeast Asia ◽  
Credit Card ◽  
Developing Economies ◽  
Strong Support ◽  
Credit Cards ◽  
Transitional Economy ◽  
Perceived Usefulness ◽  
Reference Source ◽  
Content Type

Purpose There is limited research on consumer intention and credit card adoption in the transitional economies of Southeast Asia. The purpose of this paper is to investigate the key elements that influence an individual’s intention of adopting credit cards in the transitional economy Vietnam. Design/methodology/approach A questionnaire was developed based on the technology adoption literature. After data cleaning, 595 responses were deemed valid. Factor analysis (EFA and CFA) was utilized on split samples, and a structural equation model developed to identify the influential technology adoption factors. Findings The analysis found strong support for the hypotheses theoretically developed. In the transitional economy of Vietnam, consumer’s intention to adopt credit cards was influenced by “Perceived usefulness (PU),” “Perceived ease of use (PEOU),” “subjective norm (SN),” “perceived self-efficacy (PSE)” and “Anxiety”. However, “perceived financial cost (PFC)” was not a significant factor. Research limitations/implications The use of cross-sectional data does not enable the analysis of time sequence of the determinants of consumer intention. Practical implications This research provides a body of knowledge on modern banking payment systems and credit card utilization factors in the transitional economy of Vietnam which has relevance for other transitional as well as developing economies of Southeast Asia, and is a good reference source for foreign investors, banks and card service companies. Originality/value To date, there are no studies that explore the interaction between “PU,” “PEOU,” “PFC,” “SN,” “PSE,” “Anxiety” and “Behavioral Intention” in the context of the Vietnamese credit card market, nor other transitional markets in Southeast Asia.

scholarly journals Effects of Subjective Norms, Perceived Behavioral Control, Perceived Risk, and Perceived Usefulness towards Intention to Use Credit Cards in Surabaya, Indonesia

2020 ◽  
Vol 76 ◽  
pp. 01032
Author(s):  
Njo Anastasia ◽  
Samiaji Santoso
Keyword(s):  
Perceived Risk ◽  
Credit Card ◽  
Behavioral Control ◽  
Credit Cards ◽  
Subjective Norms ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Perceived Behavioral Control ◽  
Intention To Use ◽  
Advantages And Disadvantages

Credit cards are becoming one of the most-used method of payment, both domestic and overseas. Consumers need not hassle with carrying cash to pay, hence reducing the risk of losing your money. Credit cards however, have their own drawback as it can be hacked, resulting in the breach of personal information by a third party, and abusing it to make transactions unknown to the card owner. This phenomenon is still in debate among credit card holders. As such, the purpose of this study is to test the effects of subjective norms, perceived behavioral control, perceived risk, and perceived usefulness towards the intention to use credit cards. Psychological factor and risk level becomes a challenge to card holders when they are making a transaction. Purposive sampling technique is used to gather data through questionnaire spread in both hardcopy and online to 100 credit card owners in Surabaya. Data is then processed using Partial Least Square (PLS). Analyzation result shows subjective norms, perceived behavioral control, and perceived usefulness significantly affects the intention to use credit cards, while perceived risk does not. The result of this study shows that by fully understanding both the advantages and disadvantages of credit cards, consumers can use it to make better financial planning, and not making transactions that leads to a certain lifestyle.

An Empirical Investigation on Credit Card Adoption in India

2013 ◽  
Vol 4 (1) ◽  
pp. 13-29 ◽  
Author(s):  
G.Varaprasad ◽  
Kailas Sree Chandran ◽  
R. Sridharan ◽  
Anandakuttan B. Unnithan
Keyword(s):  
Perceived Risk ◽  
Credit Card ◽  
Credit Cards ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Perceived Benefits ◽  
Perceived Ease Of Use ◽  
Perceived Trust ◽  
Main Determinants

In India, the credit card usage as well as the penetration has been found to be very low compared to that of debit cards. Though banks offer the best of the services, still there are apprehensions about the risks involved in using a credit card in India. Hence, this study investigates the customer’s adoption behavior of credit cards and determines the factors which influence the acceptance among Indian customers. Many studies have been reported in the literature to analyze the customer’s adoption behavior of online banking, Automated Teller Machines, e-shopping etc. But, there are not many studies that analyze the adoption behavior of credit cards. In this study, an empirical model that includes ten behavioral factors has been proposed. Along with the main determinants identified from the literature, two new parameters such as perceived benefits and self-esteem have been included in the model. The analysis of the model reveals that factors such as perceived usefulness, perceived ease of use, perceived risk, relative advantage, perceived trust, social influence and perceived benefits have been found to be the main determinants of credit cards adoption in India. The findings are of great use primarily for the banks which are planning to offer credit cards, and for already existing banks to focus on the gaps.

scholarly journals Impact of Internal Audit Practices on Satisfaction of Administrators: A Case in University of Jaffna, Sri Lanka

2019 ◽  
Vol 8 (4) ◽  
pp. 239
Author(s):  
Vickneswaran Anojan ◽  
Balasundaram Nimalathasan
Keyword(s):  
Regression Analysis ◽  
Sri Lanka ◽  
Internal Audit ◽  
Moderate Level ◽  
Legal Compliance ◽  
Administrative System ◽  
System Review ◽  
Overall Performance ◽  
The University ◽  
And Control

The main purpose of the study is to find out impact of internal audit practices on satisfaction of administrators in University of Jaffna, Sri Lanka. Internal audit play a major role on overall performance of the organization. Primary data was collected from administrators (academic and non-academic administrators) through developed 5 point likert scale questionnaire. Internal audit practices include internal audit practices related with administrative system review, legal compliance, control on assets usage, control on purchase & procurement and control on payment, research grant & allowance. Descriptive, correlation and regression analysis performed in this study. Descriptive analysis reveals that internal audit practices are in the moderate level based on the administrator’s satisfaction however there is below than moderate level internal audit practices related with administrative system review. Correlation analysis confirmed that there is positive significant relationship between internal audit practices and satisfaction of administrators. Further regression analysis confirmed that there is positive significant impact of internal audit practices related with administrative system review, control on purchase & procurement and legal compliance on internal audit quality. According to the findings of the study top management of the university and the government should improve internal audit practices especially they have to improve internal audit practices related with administrative system review, legal compliance and control on purchase & procurement to increase the overall performance of the University. 

scholarly journals Factors affecting to select Islamic credit cards in Pakistan: the TRA model

2017 ◽  
Vol 8 (3) ◽  
pp. 330-344 ◽  
Author(s):  
Muhammad Ali ◽  
Syed Ali Raza ◽  
Chin-Hong Puah
Keyword(s):  
Regression Analysis ◽  
Credit Card ◽  
Negative Impact ◽  
Empirical Work ◽  
Credit Cards ◽  
Empirical Support ◽  
Influential Factor ◽  
Content Type ◽  
Factors Affecting ◽  
Bank Managers

Purpose This paper aims to investigate the factors affecting intentions to select Islamic credit cards in Pakistan by using the theory of reasoned action (TRA) model. In general, bank customers are aware of credit card facility, but the leading factors to select Islamic credit cards are particularly unexplored. Due to this fact, the study examined the effect of subjective norm (SN) and attitude (ATT) with the inclusion of new construct, namely, perceived financial cost (PFC) to predict the intention of customers about the Islamic credit card in Pakistan. Design/methodology/approach Sample data were conveniently drawn from the bank customers with the help of a self-administered survey based questionnaire, which was consisted over five-point Likert scale. The study uses a sample of 492 bank customers located in the biggest city of Pakistan. Out of these responses, only 466 responses were used in the analysis, while the remaining responses were ignored due to missing data and incomplete responses. The data were analyzed through factor and regression analysis. Findings Findings from regression analysis suggest that SN and ATT show positive and significant impact on intentions to select an Islamic credit card, while PFC has a negative impact on intentions to select Islamic credit cards. Moreover, SN was found to be the most influential factor to predict the selection of Islamic credit card. Research implications This study has some practical implications for the academicians and Islamic bank managers. Through this research, bank managers can educate their customers about Islamic credit and financial products. Not only this, they should develop a strategy for the awareness of Islamic banking products through social networking and other marketing modes. On the other side, this study laid a foundation for future researchers to explore additional predictors of Islamic credit card. Their empirical work will provide a help to benefit and understand customers’ financial knowledge. Originality/value Islamic credit facility is entirely new in Pakistan and lacking with empirical support. Therefore, this investigation contributes to the existing body of knowledge by providing a comprehensive explanation on the Islamic credit card service in Pakistan.

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.

scholarly journals Determinant Factors Influencing Impulse Buying Behavior of Turkish Customers in Supermarket Setting

2018 ◽  
Vol 7 (1) ◽  
pp. 1-10 ◽  
Author(s):  
Aysen Akyuz
Keyword(s):  
Regression Analysis ◽  
Credit Card ◽  
Sales Promotion ◽  
Impulse Buying ◽  
Common Phenomenon ◽  
Affecting Factors ◽  
Buying Behavior ◽  
Independent Variables ◽  
Factors Influencing ◽  
Credit Card Usage

Impulse buying is a common phenomenon of consumption today and its getting great attention from consumer researchers as well as marketers. It is important for companies to have a good understanding of factors triggering impulse buying. The main aim of this study is to identify the determinants influencing Turkish consumers’ impulse buying behavior in supermarkets. 593 surveys were taken into analysis which were collected between the dates 5-10 December, 2017. Regression analysis, t-test and ANOVA test were conducted to test the hypotheses. While some independent variables such as sales promotion and credit card usage found to be the affecting factors of impulse buying; variables such as income level is found to have no relation with impulse purchasing.

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