Determinants of attitude towards credit card usage
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...
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| Format: | Article |
| Language: | en |
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Penerbit Universiti Kebangsaan Malaysia
2014
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| Online Access: | http://journalarticle.ukm.my/8377/1/7774-20212-1-SM.pdf http://journalarticle.ukm.my/8377/ http://ejournal.ukm.my/pengurusan/index |
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| _version_ | 1831356456765489152 |
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| author | Shafinar Ismail, Hanudin Amin, Siti Faseha Shayeri, Nurhaslinda Hashim, |
| author_facet | Shafinar Ismail, Hanudin Amin, Siti Faseha Shayeri, Nurhaslinda Hashim, |
| author_sort | Shafinar Ismail, |
| building | Tun Sri Lanang Library |
| collection | Institutional Repository |
| content_provider | Universiti Kebangsaan Malaysia |
| content_source | UKM Journal Article Repository |
| continent | Asia |
| country | Malaysia |
| description | 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. |
| format | Article |
| id | my-ukm.journal-8377 |
| institution | Universiti Kebangsaan Malaysia |
| language | en |
| publishDate | 2014 |
| publisher | Penerbit Universiti Kebangsaan Malaysia |
| record_format | eprints |
| spelling | my-ukm.journal-83772016-12-14T06:47:04Z http://journalarticle.ukm.my/8377/ Determinants of attitude towards credit card usage Shafinar Ismail, Hanudin Amin, Siti Faseha Shayeri, Nurhaslinda Hashim, 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. Penerbit Universiti Kebangsaan Malaysia 2014 Article PeerReviewed application/pdf en http://journalarticle.ukm.my/8377/1/7774-20212-1-SM.pdf 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 http://ejournal.ukm.my/pengurusan/index |
| spellingShingle | Shafinar Ismail, Hanudin Amin, Siti Faseha Shayeri, Nurhaslinda Hashim, Determinants of attitude towards credit card usage |
| title | Determinants of attitude towards credit card usage |
| title_full | Determinants of attitude towards credit card usage |
| title_fullStr | Determinants of attitude towards credit card usage |
| title_full_unstemmed | Determinants of attitude towards credit card usage |
| title_short | Determinants of attitude towards credit card usage |
| title_sort | determinants of attitude towards credit card usage |
| url | http://journalarticle.ukm.my/8377/1/7774-20212-1-SM.pdf http://journalarticle.ukm.my/8377/ http://ejournal.ukm.my/pengurusan/index |
| url_provider | http://journalarticle.ukm.my/ |