Inspecting the Dynamics Leading towards Credit Card Usage: An Empirical Inquiry form Pakistanas Credit Card Industry

Inspecting the Dynamics Leading towards Credit Card Usage: An Empirical Inquiry form Pakistanas Credit Card Industry

Syed Faheem Hasan Bukhari

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Ayesha Ismail

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Fareed Shaukat Memon

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Malick M. Abu Rehan Alvi

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University of Southern Queensland

Inspecting the Dynamics Leading towards Credit Card Usage: An Empirical Inquiry form Pakistanas Credit Card Industry

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Abstract

The aim of this research is to identify the factors responsible for the usage and adoption of credit card. It’s an explanatory research, structured questionnaire was used to collect the data. Moreover, non-probability convenience sampling method was used. Research findings indicates that awareness has the highest impact in creating a huge market for credit card. Also, cost factor is correlated with the usage of credit card; there exists a relationship between these two variables. Moreover, the providers of this service should lower the interest rate. The facilities provided by the bank like easy access to money, availability of cash and international acceptance is another feature that should be more focused. Individual’s life style and religious aspect has the lowest impact and have the weakest relation with the usage of credit cards. This research will help the consumer bankers, to develop an improved product proposition and better communication plan.

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Funding

No external funding was declared for this work.

Conflict of Interest

The authors declare no conflict of interest.

Ethical Approval

No ethics committee approval was required for this article type.

Data Availability

Not applicable for this article.

How to Cite This Article

Syed Faheem Hasan Bukhari. 2015. \u201cInspecting the Dynamics Leading towards Credit Card Usage: An Empirical Inquiry form Pakistanas Credit Card Industry\u201d. Global Journal of Management and Business Research - E: Marketing GJMBR-E Volume 15 (GJMBR Volume 15 Issue E9): .

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GJMBR Volume 15 Issue E9
Pg. 1- 14

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Journal Specifications

Crossref Journal DOI 10.17406/GJMBR

Print ISSN 0975-5853

e-ISSN 2249-4588

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GJMBR-E Classification: JEL Code: M39

Submission ReceivedFebruary 10, 2015
Peer Review Double Blind
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Accepted March 4, 2015
Published March 15, 2015

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November 28, 2015

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Article Matrices

Total Score: 134

Country: Australia

Subject: Global Journal of Management and Business Research - E: Marketing

Authors: Syed Faheem Hasan Bukhari, Ayesha Ismail, Fareed Shaukat Memon, Malick M. Abu Rehan Alvi (PhD/Dr. count: 0)

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