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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Main Authors:	Shafinar Ismail, Hanudin Amin, Siti Faseha Shayeri, Nurhaslinda Hashim
Format:	Article
Language:	English
Published:	Penerbit Universiti Kebangsaan Malaysia 2014
Online Access:	http://journalarticle.ukm.my/8377/ http://journalarticle.ukm.my/8377/ http://journalarticle.ukm.my/8377/1/7774-20212-1-SM.pdf

id	ukm-8377
recordtype	eprints
spelling	ukm-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
repository_type	Digital Repository
institution_category	Local University
institution	Universiti Kebangasaan Malaysia
building	UKM Institutional Repository
collection	Online Access
language	English
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
author	Shafinar Ismail, Hanudin Amin, Siti Faseha Shayeri, Nurhaslinda Hashim,
spellingShingle	Shafinar Ismail, Hanudin Amin, Siti Faseha Shayeri, Nurhaslinda Hashim, Determinants of attitude towards credit card usage
author_facet	Shafinar Ismail, Hanudin Amin, Siti Faseha Shayeri, Nurhaslinda Hashim,
author_sort	Shafinar Ismail,
title	Determinants of attitude towards credit card usage
title_short	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_sort	determinants of attitude towards credit card usage
publisher	Penerbit Universiti Kebangsaan Malaysia
publishDate	2014
url	http://journalarticle.ukm.my/8377/ http://journalarticle.ukm.my/8377/ http://journalarticle.ukm.my/8377/1/7774-20212-1-SM.pdf
first_indexed	2023-09-18T19:52:15Z
last_indexed	2023-09-18T19:52:15Z
_version_	1777406296854626304

Determinants of attitude towards credit card usage

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