Factors affecting credit card use in India
Factors affecting credit card use in India
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DOI：
10.1108/13555851211218048
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发表时间：
2012-03
影响因子：
3.7
通讯作者：
A. Khare;Anshuman Khare;Shveta Singh
中科院分区：
文献类型：
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作者：
A. Khare;Anshuman Khare;Shveta Singh
目的——本文的目的是了解多项目价值清单 (MILOV) 对印度客户信用使用中的信用卡属性、年龄和性别的调节影响。该研究探讨了“生活方式”变量（便利性、使用模式和状态）对信用卡使用的影响。设计/方法/途径——通过印度六个大城市的商场拦截技术收集数据。我们向参观商场的顾客发放了一份自填问卷。调查结果——使用和便利性成为印度顾客使用信用卡的主要决定因素。使用、便利性和地位属性由 MILOV 的“归属感”和“成就感”维度调节。年轻客户可能会使用信用卡。研究局限性/影响——该研究并未考察客户收入、职业和教育程度对信用卡使用的影响，因为许多客户不愿意透露这些信息。这些人口...
Purpose – The purpose of this paper is to understand the moderating influence of Multi‐item List of Value (MILOV) on credit card attributes, age, and gender in credit use among Indian customers. The research examines the impact of “lifestyle” variables (convenience, use patterns, and status) on credit card use.Design/methodology/approach – Data were collected through mall intercept technique in six metropolitan cities of India. A self‐administered questionnaire was distributed to customers visiting the malls.Findings – Use and convenience emerged as the major determinants of credit card use among Indian customers. Use, convenience, and status attributes were moderated by “sense of belonging” and “sense of fulfilment” dimensions of MILOV. Young customers were likely to use credit cards.Research limitations/implications – The study does not examine the influence of customer income, occupation, and education on credit card use, as many customers were not willing to disclose the information. These demographic...