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Determinants of consumers' intention to use credit card: a perspective of multifaceted perceived risk

Hoang Nam Trinh; Hong Ha Tran; Duc Hoang Quan Vuong - In: Asian journal of economics and banking : AJEB 4 (2020) 3, pp. 105-120

Purpose - The purpose of this study is to develop a theoretical model for consumer behavioral intention by integrating the technology acceptance model (TAM) and the theory of perceived risk, which is tested on the intended use of credit cards in Vietnam. Design/methodology/approach - The data...

Persistent link: https://www.econbiz.de/10012515017

In the Mood to Consume : Effect of Sunshine on Credit Card Spending

Agarwal, Sumit - 2020

Using a large, representative sample of high-frequency credit card transactions in the United States, this paper examines the causal effect of sunshine-induced mood on contemporaneous household credit card spending. We document a 0.3 percent increase in credit card spending in response to a...

Persistent link: https://www.econbiz.de/10012853945

Financial Literacy, Attitudes, and Financial Satisfaction : An Assessment of Credit Card Debt-Taking Behavior of Australians

Tahir, Muhammad S. - 2020

Unpaid credit card debt can be problematic; people should avoid it where possible. Unlike prior studies, this paper examines the relative strength of the association of financial literacy, attitude towards balancing spending and savings, and financial satisfaction with credit card debt-taking...

Persistent link: https://www.econbiz.de/10012838359

A Theoretical Examination of Cash-Back Credit Cards and Their Effect on Consumer Spending

MacDonald, Noah - 2020

The role of cash-back credit cards in personal financial strategies is highly debated. For example, Dave Ramsey (Ramsey … 2019) urges consumers to avoid even the most lucrative cash-back cards, while others argue that these cards offer … significant savings. Herein, we construct models to analyze the use of cash-back cards by rational consumers, demonstrating that …

Persistent link: https://www.econbiz.de/10012840137

Can Credit Cards with Access to Complimentary Credit Score Information Benefit Consumers and Lenders?

Mikhed, Vyacheslav - 2015

Barclaycard U.S. is one of a growing number of banks offering cardholders free access to their FICO® Credit Scores with credit card products. On November 19, 2014, Paul Wilmore of Barclaycard U.S. presented Barclays' rationale for offering this feature and provided his perspective on its...

Persistent link: https://www.econbiz.de/10013014488

How Do Mortgage Rate Resets Affect Consumer Spending and Debt Repayment? Evidence from Canadian Consumers

Kartashova, Katya; Zhou, Xiaoqing - 2022

results can be rationalized by the conventional cash-flow effect in conjunction with changes in consumer expectations about …

Persistent link: https://www.econbiz.de/10013289441

Managing Mental Accounts : Payment Cards and Consumption Expenditures

Gelman, Michael; Roussanov, Nikolai L. - 2022

Does mental accounting matter for total consumption expenditures? We exploit a unique setting in which individuals exogenously received a new credit card, without requesting one. Using random variation in the time of receipt we show that individuals temporarily increase total consumption...

Persistent link: https://www.econbiz.de/10013294035

Consumer Credit Card Payment Deferrals During the COVID-19 Pandemic

Wilshusen, Stephanie - 2022

In response to the economic hardships stemming from COVID-19, many U.S. card-issuing banks offered measures to assist their customers who were financially affected by the pandemic. Unlike previous disaster assistance programs that were typically short in duration and localized, the COVID-19...

Persistent link: https://www.econbiz.de/10013306394

To Pay or Autopay? Fintech Innovation and Credit Card Payments

Wang, Jialan - National Bureau of Economic Research - 2024

Digital technologies and fintech firms have rapidly reshaped the consumer financial landscape in recent years, and have the potential to help consumers make better decisions and improve their financial health. Existing technologies such as autopay are also experiencing increased takeup, a trend...

Persistent link: https://www.econbiz.de/10014528372

Precedents of the Compulsive Use of a Credit Card : An Analysis of University Students' Buying Behavior

Felipe, Israel José dos Santos; M. S., Michelle; … - 2023

Purpose – This study aims to identify the precedents of compulsively using a credit card, analyzing the influence of the following factors: power–prestige, anxiety, distrust and materialism.Data collection was performed by the survey method, while the structural equation modeling technique...

Persistent link: https://www.econbiz.de/10014254650