Customer Attitudes toward Credit Card in an Emerging Market
Despite the huge quantity of credit cards in Chinese market, most of them are in inactive usage. Thus, how to stimulate customers to use credit cards should be the focus for both academic research and management practice. This study examines the impacts of both customers positive and negative attitude towards credit cards on their usage of credit cards, usage frequency and payment percentage. The results indicate that convenience benefits is the most important motivation for customers to use credit cards in the emerging market, and the potential risks are the main barrier for them to use credit cards as common payment tool. Therefore, credit card issuing banks should make efforts from these two aspects.
credit cards emerging market usage frequency payment percentage
Huawei Zhu Minxue Huang
School of Management and Economic, Wuhan University, Wuhan, 430072, China
国际会议
第八届武汉电子商务国际会议(The Eighth Wuhan International Conference on E-Business)
武汉
英文
2275-2280
2009-05-30（万方平台首次上网日期，不代表论文的发表时间）