Malaysian Consumer’s Credit Card Usage Behavior

Ahmed, Z U, Ismail, I., Sohail, Sadiq M, Tabsh, I, and Alias, H (2010). “Malaysian consumers' credit card usage behavior” Asia Pacific Journal of Marketing and Logistics, Vol. 22, No. 4, pp. 528-544.

22 Pages Posted: 1 Sep 2015

See all articles by Zafar Ahmed

Zafar Ahmed

Academy for Global Business Advancement

ishak Ismail

Universiti Sains Malaysia (USM) - School of Management

M. Sadiq Sohail

King Fahd University of Petroleum & Minerals (KFUPM)

Ibrahim Tabsh

University of Dubai

Hasbalaila Alias

Universiti Sains Malaysia (USM) - School of Management

Date Written: 2010

Abstract

Purpose of this Paper - Despite the spread in usage and ownership of credit cards, few studies have examined its affect on consumer debt in developing nations. The main purpose of this study is to understand consumers' attitude and spending behavior using credit cards.

Design/Methodology/Approach - This study is based on a questionnaire survey conducted in Malaysia. Based on an extensive review of literature, a model is developed to identify the psychographic factors that influence the consumer attitudes towards using credit cards.

Findings - This study found support to some of the theoretical expectations and lend support to some of the earlier deviations reported in the literature.

Practical Implications - The findings are likely to be important to banks and financial institutions issuing credit cards as it helps managers' to have a better understanding of cardholders in Malaysia and their attitude and behaviour towards usage of credit card.

What is Original/Value of Paper - This paper makes a valuable contribution given the fact that there is a dearth of empirical studies of this nature focusing on Malaysia.

Keywords: credit cards; attitude; psychographic; shopping addiction, consumer debt; Malaysia; Malaysian consumer.

Suggested Citation

Ahmed, Zafar and Ismail, ishak and Sohail, M. Sadiq and Tabsh, Ibrahim and Alias, Hasbalaila, Malaysian Consumer’s Credit Card Usage Behavior (2010). Ahmed, Z U, Ismail, I., Sohail, Sadiq M, Tabsh, I, and Alias, H (2010). “Malaysian consumers' credit card usage behavior” Asia Pacific Journal of Marketing and Logistics, Vol. 22, No. 4, pp. 528-544.. Available at SSRN: https://ssrn.com/abstract=2653577

Zafar Ahmed

Academy for Global Business Advancement ( email )

6004 Oakland Bend Hills Drive, # 213
Fort Worth, TX 76112
United States
469-955-8491 (Phone)

Ishak Ismail

Universiti Sains Malaysia (USM) - School of Management

Minden, Penang
Malaysia

M. Sadiq Sohail (Contact Author)

King Fahd University of Petroleum & Minerals (KFUPM) ( email )

Dhahran, 31261
Saudi Arabia

Ibrahim Tabsh

University of Dubai ( email )

AL MAKTOOM STREET
Dubai, 14143
United Arab Emirates

Hasbalaila Alias

Universiti Sains Malaysia (USM) - School of Management

Minden, Penang
Malaysia

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