Consumer credit card ownership and usage practices: empirical evidence from Sri Lanka

International Journal of Consumer Studies - Tập 33 Số 4 - Trang 436-447 - 2009
Vathsala Wickramasinghe1, Anurudh Gurugamage2
1Department of Management of Technology, Faculty of Engineering, University of Moratuwa, Moratuwa, Sri Lanka
2Sri Lanka Air Force, Air Force Headquarters, Colombo, Sri Lanka

Tóm tắt

AbstractKnowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross‐national application of consumer marketing concepts and propositions for academic and practical reasons, investigations are needed to test whether consumer credit card usage patterns that are assumed to exist in the West also exist in non‐Western parts of the world, especially in Asia. Therefore, objectives of this research were to explore credit card ownership and usage practices in Sri Lanka, and to explore the relationship between credit card ownership and usage practices, and demographic and socio‐economic characteristics of credit card users. The findings offer implications for researchers and practitioners.

Từ khóa


Tài liệu tham khảo

Adcock W.O., 1977, Bank credit card users: an updated profile, Advances in Consumer Research, 4, 236

10.1111/j.1745-6606.1991.tb00006.x

Ausubel L.M., 1991, The failure of competition in the credit card market, The American Economic Review, 81, 50

10.1111/j.1540-6261.1974.tb01495.x

10.1108/02652329210017299

Beardon W.O., 1978, Media usage, psychographic and demographic dimensions of retail shoppers, Journal of Retailing, 54, 65

10.1016/j.rfe.2003.06.001

10.1086/429605

10.1111/j.1745-6606.1980.tb00655.x

10.1086/261988

Burman D., 1974, Do people overspend with credit cards?, Journal of Consumer Credit Management, 5, 98

Canner G.B., 1985, Recent developments in credit card holding and use patterns among U.S. families, Journal of Retail Banking, 7, 63

Canner G.B., 1992, Developments in the pricing of credit card services, Federal Reserve Bulletin, 78, 652

10.1111/j.1745-6606.2001.tb00107.x

10.1177/1077727X9001800304

10.1108/02652329410058003

Durkin T.A., 2000, Credit cards: use and consumer attitudes, 1970–2000, Federal Reserve Bulletin, 86, 623, 10.17016/bulletin.2000.86-9

10.1086/209074

10.1086/208776

Goyal A., 2006, Consumer perception towards the purchase of credit cards, Journal of Services Research, 6, 179

10.1111/j.1745-6606.2000.tb00087.x

10.1086/208748

Hirschman E.C., 1981, A comparison of consumer payment systems: some strategic implications, Journal of Retail Banking, 3, 57

10.1086/209487

10.1057/palgrave.fsm.4770038

10.1108/08876049510094496

10.1093/ei/cbi023

Lee J., 1999, Returns to information search: consumer credit card shopping decision, Financial Counseling and Planning, 10, 23

10.1111/j.1745-6606.2002.tb00432.x

10.1016/0148-6195(89)90012-X

Littwin A., 2008, Beyond usury: a study of credit‐card use and preference among low‐income consumers, Texas Law Review, 86, 451

10.1111/j.1470-6431.1989.tb00025.x

10.2307/1249914

10.2307/1250840

Starvins J., 2000, Credit card borrowing, delinquency, and personal bankruptcy, New England Economic Review, 15

10.1111/j.1470-6431.1992.tb00496.x

10.1086/208611

Thông tin
Thông tin xuất bản

International Journal of Consumer Studies

Tập 33 Số 4

436-447

Thông tin tác giả