The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits

Since Malaysia had undergone financial liberalization in 1980s, allowing foreign credit card issuers to enter Malaysia’s market in which the availability of credit cards have greatly increased, leading credit cards market started to boom (Loke J. Y., 2007). However, when the market is becoming satur...

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Main Author:	Bong, Tze Nan
Format:	Thesis
Language:	English
Published:	2014
Subjects:	HB Economic Theory
Online Access:	http://ir.unimas.my/id/eprint/8316/2/The%20Identifying%20The%20Factors%20That%20Would%20Influence%20in%20The%20Usage%20Intention%20of%20Credit%20Card%20Among%20The%20Malaysian%20Based%20On%20Their%20Generation%E2%80%99s%20Traits.pdf
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spelling	my-unimas-ir.83162020-05-19T03:26:27Z The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits 2014 Bong, Tze Nan HB Economic Theory Since Malaysia had undergone financial liberalization in 1980s, allowing foreign credit card issuers to enter Malaysia’s market in which the availability of credit cards have greatly increased, leading credit cards market started to boom (Loke J. Y., 2007). However, when the market is becoming saturated, its fierce competition force credit card issuers to search for new market segment like the youth market. Unfortunately, the favourable attitude of youth towards credit cards usage has led to indiscriminate consequences such as high credit balance, credit trap, insolvency, and ultimately bankruptcy. Subsequently, Malaysia’s government had taken initiative to reduce the number of insolvency among young adults; however, they tried in vain. Consequently, in this study, we would like to identify the traits of generations instead of personality toward the usage intention of credit cards. Thus, we would discover whether perception on credit, payment practices, pre-planned purchase, materialism, compulsive spending, fashion consciousness, and the one and the only “optimism” that has not been taken into account to investigate whether it will influence the intention to use credit card from generations perspective. Therefore, this study is conducted in Kuching, Sarawak with 320 respondents who completed the questionnaires that we had distributed. Then, the data was analysed by using Factor analysis, one way ANOVA, Pearson correlation, multiple regression model and others. The results show that there is significant difference between intention to use credit card, perception on credit card, credit card payment practices, compulsive buying, fashion consciousness, and optimistic among towards generations; however, insignificant for the variable of materialism. However, the factors above also stated VII that they have significant and positive relationships towards usage intention of credit cards, and other findings will be specified in this study. Universiti Malaysia Sarawak, (UNIMAS) 2014 Thesis http://ir.unimas.my/id/eprint/8316/ http://ir.unimas.my/id/eprint/8316/2/The%20Identifying%20The%20Factors%20That%20Would%20Influence%20in%20The%20Usage%20Intention%20of%20Credit%20Card%20Among%20The%20Malaysian%20Based%20On%20Their%20Generation%E2%80%99s%20Traits.pdf text en validuser masters Universiti Malaysia Sarawak, (UNIMAS) Faculty of Economics and Business.
institution	Universiti Malaysia Sarawak
collection	UNIMAS Institutional Repository
language	English
topic	HB Economic Theory
spellingShingle	HB Economic Theory Bong, Tze Nan The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
description	Since Malaysia had undergone financial liberalization in 1980s, allowing foreign credit card issuers to enter Malaysia’s market in which the availability of credit cards have greatly increased, leading credit cards market started to boom (Loke J. Y., 2007). However, when the market is becoming saturated, its fierce competition force credit card issuers to search for new market segment like the youth market. Unfortunately, the favourable attitude of youth towards credit cards usage has led to indiscriminate consequences such as high credit balance, credit trap, insolvency, and ultimately bankruptcy. Subsequently, Malaysia’s government had taken initiative to reduce the number of insolvency among young adults; however, they tried in vain. Consequently, in this study, we would like to identify the traits of generations instead of personality toward the usage intention of credit cards. Thus, we would discover whether perception on credit, payment practices, pre-planned purchase, materialism, compulsive spending, fashion consciousness, and the one and the only “optimism” that has not been taken into account to investigate whether it will influence the intention to use credit card from generations perspective. Therefore, this study is conducted in Kuching, Sarawak with 320 respondents who completed the questionnaires that we had distributed. Then, the data was analysed by using Factor analysis, one way ANOVA, Pearson correlation, multiple regression model and others. The results show that there is significant difference between intention to use credit card, perception on credit card, credit card payment practices, compulsive buying, fashion consciousness, and optimistic among towards generations; however, insignificant for the variable of materialism. However, the factors above also stated VII that they have significant and positive relationships towards usage intention of credit cards, and other findings will be specified in this study.
format	Thesis
qualification_level	Master's degree
author	Bong, Tze Nan
author_facet	Bong, Tze Nan
author_sort	Bong, Tze Nan
title	The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_short	The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_full	The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_fullStr	The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_full_unstemmed	The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
title_sort	identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits
granting_institution	Universiti Malaysia Sarawak, (UNIMAS)
granting_department	Faculty of Economics and Business.
publishDate	2014
url	http://ir.unimas.my/id/eprint/8316/2/The%20Identifying%20The%20Factors%20That%20Would%20Influence%20in%20The%20Usage%20Intention%20of%20Credit%20Card%20Among%20The%20Malaysian%20Based%20On%20Their%20Generation%E2%80%99s%20Traits.pdf
_version_	1747831917935329280

The identifying the factors that would influence in the usage intention of credit card among the malaysian based in their generation's traits

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