Determinants of Attitude towards Credit Card Usage

Shafinar Ismail, Hanudin Amin, Siti Faseha Shayeri, Nurhaslinda Hashim

Abstract


ABSTRACT

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.

Keywords: Banking product; credit card; credit financing; survey; personal finance; Malaysia

ABSTRAK

Kad kredit dianggap sebagai produk perbankan yang berdaya saing yang membantu untuk memperbaiki kedudukan kewangan bank dan pada masa yang sama menambahbaik transaksi kewangan dalam kalangan pelanggan bank. Oleh itu, kajian ini mengupas faktor-faktor yang mempengaruhi sikap pelanggan bank dalam konteks sistem perbankan Malaysia. Kajian ini mengkaji kesan pengetahuan, kesedaran media, persepsi, pengaruh keluarga dan faktor agama ke atas sikap terhadap penggunaan kad kredit. Pengkaji mendapati bahawa pengetahuan, kesedaran media, persepsi dan pengaruh keluarga adalah instrumental dalam menentukan sikap seseorang terhadap penggunaan kad kredit. Secara teliti, persepsi berada pada kedudukan paling atas, diikuti oleh pengaruh keluarga di tempat kedua dan pengetahuan di tempat ketiga. Faktor-faktor yang dikenalpasti menyediakan maklumat yang lebih baik kepada perancangan langsung mengenai masa depan perkhidmatan kad kredit. Tidak kurang pentingnya, kajian ini memberikan maklumat penting bagi pengurus bank untuk menyelia perkhidmatan kad kredit dengan berkesan.

Kata kunci: Produk perbankan; kad kredit; pembiayaan kredit; soal selidik; kewangan peribadi; Malaysia


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