Cover Image

The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits

Since Malaysia had undergone financial liberalization in 1980s, allowing foreign credit card issuers to enter Malaysia’s market in which the availability of credit cards have greatly increased, leading credit cards market started to boom (Loke J. Y., 2007). However, when the market is becoming satur...

Full description

Saved in:
Bibliographic Details
Main Author: Bong, Tze Nan
Format: Thesis
Language:English
Published: Universiti Malaysia Sarawak, (UNIMAS) 2014
Subjects:
HB Economic Theory
Online Access:http://ir.unimas.my/id/eprint/8316/4/Bong%20Tze%20Nan%20ft.pdf
http://ir.unimas.my/id/eprint/8316/
Tags: Add Tag
No Tags, Be the first to tag this record!
id my.unimas.ir.8316
record_format eprints
spelling my.unimas.ir.83162024-08-27T08:47:57Z http://ir.unimas.my/id/eprint/8316/ The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits Bong, Tze Nan HB Economic Theory Since Malaysia had undergone financial liberalization in 1980s, allowing foreign credit card issuers to enter Malaysia’s market in which the availability of credit cards have greatly increased, leading credit cards market started to boom (Loke J. Y., 2007). However, when the market is becoming saturated, its fierce competition force credit card issuers to search for new market segment like the youth market. Unfortunately, the favourable attitude of youth towards credit cards usage has led to indiscriminate consequences such as high credit balance, credit trap, insolvency, and ultimately bankruptcy. Subsequently, Malaysia’s government had taken initiative to reduce the number of insolvency among young adults; however, they tried in vain. Consequently, in this study, we would like to identify the traits of generations instead of personality toward the usage intention of credit cards. Thus, we would discover whether perception on credit, payment practices, pre-planned purchase, materialism, compulsive spending, fashion consciousness, and the one and the only “optimism” that has not been taken into account to investigate whether it will influence the intention to use credit card from generations perspective. Therefore, this study is conducted in Kuching, Sarawak with 320 respondents who completed the questionnaires that we had distributed. Then, the data was analysed by using Factor analysis, one way ANOVA, Pearson correlation, multiple regression model and others. The results show that there is significant difference between intention to use credit card, perception on credit card, credit card payment practices, compulsive buying, fashion consciousness, and optimistic among towards generations; however, insignificant for the variable of materialism. However, the factors above also stated VII that they have significant and positive relationships towards usage intention of credit cards, and other findings will be specified in this study. Universiti Malaysia Sarawak, (UNIMAS) 2014 Thesis NonPeerReviewed text en http://ir.unimas.my/id/eprint/8316/4/Bong%20Tze%20Nan%20ft.pdf Bong, Tze Nan (2014) The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits. Masters thesis, Universiti Malaysia Sarawak, (UNIMAS).
institution Universiti Malaysia Sarawak
building Centre for Academic Information Services (CAIS)
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Malaysia Sarawak
content_source UNIMAS Institutional Repository
url_provider http://ir.unimas.my/
language English
topic HB Economic Theory
spellingShingle HB Economic Theory
Bong, Tze Nan
The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
description Since Malaysia had undergone financial liberalization in 1980s, allowing foreign credit card issuers to enter Malaysia’s market in which the availability of credit cards have greatly increased, leading credit cards market started to boom (Loke J. Y., 2007). However, when the market is becoming saturated, its fierce competition force credit card issuers to search for new market segment like the youth market. Unfortunately, the favourable attitude of youth towards credit cards usage has led to indiscriminate consequences such as high credit balance, credit trap, insolvency, and ultimately bankruptcy. Subsequently, Malaysia’s government had taken initiative to reduce the number of insolvency among young adults; however, they tried in vain. Consequently, in this study, we would like to identify the traits of generations instead of personality toward the usage intention of credit cards. Thus, we would discover whether perception on credit, payment practices, pre-planned purchase, materialism, compulsive spending, fashion consciousness, and the one and the only “optimism” that has not been taken into account to investigate whether it will influence the intention to use credit card from generations perspective. Therefore, this study is conducted in Kuching, Sarawak with 320 respondents who completed the questionnaires that we had distributed. Then, the data was analysed by using Factor analysis, one way ANOVA, Pearson correlation, multiple regression model and others. The results show that there is significant difference between intention to use credit card, perception on credit card, credit card payment practices, compulsive buying, fashion consciousness, and optimistic among towards generations; however, insignificant for the variable of materialism. However, the factors above also stated VII that they have significant and positive relationships towards usage intention of credit cards, and other findings will be specified in this study.
format Thesis
author Bong, Tze Nan
author_facet Bong, Tze Nan
author_sort Bong, Tze Nan
title The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_short The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_full The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_fullStr The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_full_unstemmed The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_sort identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
publisher Universiti Malaysia Sarawak, (UNIMAS)
publishDate 2014
url http://ir.unimas.my/id/eprint/8316/4/Bong%20Tze%20Nan%20ft.pdf
http://ir.unimas.my/id/eprint/8316/
_version_ 1808981456462020608
score 13.211869

Similar Items