Determinants of attitude towards credit card usage

Shafinar Ismail, and Hanudin Amin, and Siti Faseha Shayeri, and Nurhaslinda Hashim, (2014) Determinants of attitude towards credit card usage. Jurnal Pengurusan, 41. pp. 145-154. ISSN 0127-2713

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Abstract

Credit cards have been viewed as a competitive banking product that helps to improve a bank’s financial position while at the same time improving financial transactions among customers of a bank. The present study explores the factors influencing the attitude of bank customers in the context of the Malaysian banking system. The study examines the effects of knowledge, media awareness, perceptions, family influence and religious factors on attitudes towards credit card usage. The study finds that knowledge, media awareness, perceptions and family influence are instrumental in determining consumer attitudes toward credit card usage. In more detail, perceptions are ranked highest, followed by family influence and knowledge. Identifying such factors helps to provide better information to direct future planning of credit card services. Importantly, this study provides valuable insight for bank managers to effectively oversee credit card services.

Item Type: Article
Uncontrolled Keywords: Banking product, credit card, credit financing, survey, personal finance, Malaysia
Subjects: H Social Sciences > HG Finance
Divisions: FACULTY > Labuan Faculty of International Finance
Depositing User: Munira
Date Deposited: 22 Mar 2018 02:14
Last Modified: 22 Mar 2018 02:14
URI: http://eprints.ums.edu.my/id/eprint/19347

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