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Perceptions towards Credit Card Usage: Factor Analytic Finding from Pakistan

Author

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  • Kamran Siddiqui
  • Mahwish Anjum

Abstract

This paper aims to present the individual differences among credit card users with reference to their age and Sex. Data for the research were collected through a survey of customers of Credit Card users in Pakistan. The results show that some age and Sex differences exist in the credit card usage. The research focuses on credit card services in Pakistan; further research from dispersed geographic areas may be necessary before generalization can be made on the entire service industry. Service providers can use this model for their market segmentation and targeting activities leading to better positioning their products/services in the competitive banking services. Although there are studies on individual differences of services; research on individual differences on credit cards is very limited; this research adds significant value on the subject area.

Suggested Citation

  • Kamran Siddiqui & Mahwish Anjum, 2013. "Perceptions towards Credit Card Usage: Factor Analytic Finding from Pakistan," International Journal of Economics, Business and Management Studies, Online Science Publishing, vol. 2(3), pages 128-135.
    • Handle: RePEc:onl:ijebms:v:2:y:2013:i:3:p:128-135:id:309
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    Cited by:

    1. Nenita B. Nagarit, DBA & Susana C. Bautista, EdD & Ferdinand C. Somido, PhD & Pedrito Jose V. Bermudo, PhD & Antonio D.Yango, PhD & Leomar S. Galicia, PhD, 2018. "Transforming Online Negative Blogs in the Use of Credit Cards in Electronics Transactions into Constructive Action: Basis of Creating Business Spend Analyzer Model," Journal of Business & Management (COES&RJ-JBM), , vol. 6(1), pages 66-83, January.

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