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Effects of social demographic attributes, knowledge about credit cards and perceived lifestyle outcomes on credit card usage
Author(s) -
Wickramasinghe Vathsala,
Gurugamage Anurudh
Publication year - 2012
Publication title -
international journal of consumer studies
Language(s) - English
Resource type - Journals
SCImago Journal Rank - 0.775
H-Index - 71
eISSN - 1470-6431
pISSN - 1470-6423
DOI - 10.1111/j.1470-6431.2010.00993.x
Subject(s) - credit card , atm card , sample (material) , business , smart card , credit history , marketing , payment , finance , computer science , computer security , chemistry , chromatography
The aim of this paper is to identify and assess the effects of credit card users' demographic and socio‐economic characteristics, knowledge about credit cards, and perceived lifestyle outcomes of the credit card usage on credit card usage practices. A sample of 177 individuals in Sri Lanka who possess Visa, MasterCard or American Express credit cards responded to the survey. The hypothesized relationships were examined by means of path analysis. The findings offer implications for research and practice.