Factors Contributing to Credit Card Adoption Among Malaysian Consumers


Ramasamy, Suganthi and Yuen, Yee Yen and Pillay, Shalini Devi (2019) Factors Contributing to Credit Card Adoption Among Malaysian Consumers. International Journal of Scientific and Technology Research, 8 (11). pp. 3851-3859. ISSN 2277-8616

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This research examines factors that contribute to credit card adoption among Malaysian consumers. This study investigates factors that lead to credit card adoption to provide useful insights to various parties such as marketers and policy makers. A total of 250 responds were collected from targeted sample by using pen and pencil questionnaires and Google form questionnaires. The research model contains the credit card adoption experience being the dependent variable test against six independent variables; credit card choice, alternative form of payment, available credit card information, credit card attributes, economic, demographic and socio-economic factors and attitudes towards credit card. Based on this framework, consumers’ credit card adoption experience will be investigated. This research discovers that alternative form of payment, credit card attributes and attitude towards credit card have significant influence towards credit card adoption experience. Credit card choice, available credit card information and economic, demographic and socio-economic factors were found to be not significant in this study. The output of this study provides basis for future research in this area and provides crucial recommendations to credit card marketers and policy makers to promote credit card adoption in Malaysia.

Item Type: Article
Uncontrolled Keywords: Consumer attitude, credit card adoption, demographic and socio-economic factors
Subjects: H Social Sciences > HG Finance > HG3691-3769 Credit. Debt. Loans. Including credit institutions, credit instruments, consumer credit, bankruptcy
Divisions: Faculty of Business (FOB)
Depositing User: Ms Suzilawati Abu Samah
Date Deposited: 11 Mar 2022 01:27
Last Modified: 11 Mar 2022 01:27
URII: http://shdl.mmu.edu.my/id/eprint/9321


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