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This exploratory qualitative research aimed at combining the negative perception of cardholders to negative blogs in using a credit card purchasing power in order to develop a new business model and spent analyzer, i.e., transforming online negative blogs in the use of credit cards in electronic transactions as basis for creating a business spend analyzer model. Specifically, it looked into the negative blogs posted by the credit card holders in terms of visa/master cards electronic business transactions, the analysis of negative blogs to produce a useful information for the visa and master cards holder, and the creation of business spend analyzer model. There were 1793 blogs considered and used in the study and 12 themes emerged namely; failure to transact payments, failure to reflect payments, failure to update, failure to give discounts, no reward points, excessive annual fees, failure to use, no cash out, too many calls, received threats, legal letters and experienced embarrassing situation. Based on the analysis of the online negative blogs, Semantia software had been used and revealed that the sentiment analysis is .024 and generally neutral, however its neutrality tends to be more into negative as the number of negative blogs is becoming more evident against the positive words. Modifying the model and removing the Acquirer entity can save the credit card holders in paying the hidden cost and can just be converted to savings. The used of spent analyzer is acceptable as it gradually allows the credit card holder to recover from the net of debt.

journal of business and management

Transforming Online Negative Blogs in the Use of Credit Cards in Electronics Transactions into Constructive Action: Basis of Creating Business Spend Analyzer Model