Credit card holders in Malaysia: customer characteristics and credit card usage
As an effort to profile credit card users in Malaysia, this study seeks to examine the relationship between credit card users’ characteristics (demographics and socio-economic factors) and credit card usage. Using a convenient sampling method, a survey was conducted on 350 credit card holders in the...
| Main Authors: | , , |
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| Format: | Article |
| Language: | English |
| Published: |
Faculty of Economics and Management, Universiti Putra Malaysia
2013
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| Online Access: | http://psasir.upm.edu.my/id/eprint/30854/ http://psasir.upm.edu.my/id/eprint/30854/1/Credit%20Card%20Holders%20in%20Malaysia.pdf |
| _version_ | 1848846796393021440 |
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| author | Hussin, Siti Rahayu Kassim, Salina Jamal, Nuraien |
| author_facet | Hussin, Siti Rahayu Kassim, Salina Jamal, Nuraien |
| author_sort | Hussin, Siti Rahayu |
| building | UPM Institutional Repository |
| collection | Online Access |
| description | As an effort to profile credit card users in Malaysia, this study seeks to examine the relationship between credit card users’ characteristics (demographics and socio-economic factors) and credit card usage. Using a convenient sampling method, a survey was conducted on 350 credit card holders in the Klang Valley, Malaysia. Customer background
includes gender, age, occupation, and monthly gross income. The credit card usage was measured by items constructed specifically for this research which is adopted from past studies on credit card. Descriptive analysis is used to describe the customers’ background and credit card usage, while the relationship between consumer characteristics and credit card usage is being assessed empirically using cross tabulation/chi-square and ANOVA. The findings of this
study revealed that there are significant differences in credit card usage among credit card holders of different personal background. However, simple t-tests showed there is no significant difference in credit card usage among users of different gender. This study has significance in
terms of providing useful information for developing customer profile and revising credit card promotional strategies. |
| first_indexed | 2025-11-15T09:08:24Z |
| format | Article |
| id | upm-30854 |
| institution | Universiti Putra Malaysia |
| institution_category | Local University |
| language | English |
| last_indexed | 2025-11-15T09:08:24Z |
| publishDate | 2013 |
| publisher | Faculty of Economics and Management, Universiti Putra Malaysia |
| recordtype | eprints |
| repository_type | Digital Repository |
| spelling | upm-308542015-07-03T08:02:55Z http://psasir.upm.edu.my/id/eprint/30854/ Credit card holders in Malaysia: customer characteristics and credit card usage Hussin, Siti Rahayu Kassim, Salina Jamal, Nuraien As an effort to profile credit card users in Malaysia, this study seeks to examine the relationship between credit card users’ characteristics (demographics and socio-economic factors) and credit card usage. Using a convenient sampling method, a survey was conducted on 350 credit card holders in the Klang Valley, Malaysia. Customer background includes gender, age, occupation, and monthly gross income. The credit card usage was measured by items constructed specifically for this research which is adopted from past studies on credit card. Descriptive analysis is used to describe the customers’ background and credit card usage, while the relationship between consumer characteristics and credit card usage is being assessed empirically using cross tabulation/chi-square and ANOVA. The findings of this study revealed that there are significant differences in credit card usage among credit card holders of different personal background. However, simple t-tests showed there is no significant difference in credit card usage among users of different gender. This study has significance in terms of providing useful information for developing customer profile and revising credit card promotional strategies. Faculty of Economics and Management, Universiti Putra Malaysia 2013 Article PeerReviewed application/pdf en http://psasir.upm.edu.my/id/eprint/30854/1/Credit%20Card%20Holders%20in%20Malaysia.pdf Hussin, Siti Rahayu and Kassim, Salina and Jamal, Nuraien (2013) Credit card holders in Malaysia: customer characteristics and credit card usage. International Journal of Economics and Management, 7 (1). pp. 108-122. ISSN 1823-836X http://econ.upm.edu.my/ijem/vol7_no1.htm |
| spellingShingle | Hussin, Siti Rahayu Kassim, Salina Jamal, Nuraien Credit card holders in Malaysia: customer characteristics and credit card usage |
| title | Credit card holders in Malaysia: customer characteristics and credit card usage |
| title_full | Credit card holders in Malaysia: customer characteristics and credit card usage |
| title_fullStr | Credit card holders in Malaysia: customer characteristics and credit card usage |
| title_full_unstemmed | Credit card holders in Malaysia: customer characteristics and credit card usage |
| title_short | Credit card holders in Malaysia: customer characteristics and credit card usage |
| title_sort | credit card holders in malaysia: customer characteristics and credit card usage |
| url | http://psasir.upm.edu.my/id/eprint/30854/ http://psasir.upm.edu.my/id/eprint/30854/ http://psasir.upm.edu.my/id/eprint/30854/1/Credit%20Card%20Holders%20in%20Malaysia.pdf |