• International journal of advanced smart convergence
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• 제11권1호
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• pp.64-69
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• 2022

The current research examines whether consumers' preference for credit card benefits (i.e., general credit card benefits vs. credit card benefits related to green life) differs according to their pro-environmental disposition. Specifically, we predict that for consumers with high (vs. low) pro-environmental disposition, their preference for credit card benefits related to green life will be higher, while preference for general credit card benefits will not be different between low and high pro-environmental disposition groups. An online survey (N = 487) was conducted to test the hypotheses. Consistent with the hypotheses, the results indicate that (1) respondents with high pro-environmental donation intention, as compared to those with low pro-environmental donation intention, had higher preference for credit card benefits related to green life; and (2) there was no significant difference in preference for general credit card benefits between high and low pro-environmental donation intention groups. We suggest an important insight into how credit card companies approaching ESG issues can increase their consumers' preference for credit card benefits relevant to green life, considering consumers' individual differences such as pro-environmental disposition.

• International journal of advanced smart convergence
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• 제11권4호
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• pp.170-176
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• 2022

Given the critical importance of enhancing the level of ESG practices, the current research examines the impact of credit card users' pro-environmental characteristics (i.e., environmental self-accountability, eco-label involvement) on their satisfaction with credit card benefits related to green life. That is, this research investigates whether consumers' satisfaction with green credit card benefits varies depending on their environmental self-accountability and eco-label involvement. Specifically, we predict that (1) for consumers with high (vs. low) environmental self-accountability, their satisfaction with credit card benefits related to green life will be higher (hypothesis 1); and (2) when consumers have high (vs. low) eco-label involvement, they will be more likely to be satisfied with credit card benefits related to green life (hypothesis 2). An online survey (N = 293) was conducted to test the two hypotheses. In support of the hypotheses, the results indicate that (1) respondents who had high (vs. low) environmental self-accountability were more satisfied with credit card benefits related to green life, and (2) respondents with high eco-label involvement, as compared to those with low eco-label involvement, reported greater satisfaction with credit card benefits related to green life. We suggest an important insight into how credit card companies approaching ESG issues can increase their consumers' satisfaction with green credit card benefits, considering consumers' individual characteristics such as environmental self-accountability and eco-label involvement.

• International Journal of Advanced Culture Technology
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• 제8권1호
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• pp.107-112
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• 2020

Green credit card is the card service to revitalize the eco-friendly life of the people, offering a variety of benefits to card users for supporting environment. The present research aims to examine the effect of individuals' regulatory focus (promotion focus vs. prevention focus) on their ethical behavior in the context of green credit/debit card services. This research examines whether green credit/debit card users behave ethically according to their regulatory focus. The results indicate that green credit/debit card users with a prevention focus are more likely to behave ethically compared to those with a promotion focus. The findings imply that regulatory focus may be an effective marketing and segmentation tool in facilitating individuals' ethical behavior.

• The Journal of Asian Finance, Economics and Business
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• 제3권4호
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• pp.43-56
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• 2016

The research aims to help merchant acquiring institutions gain a better insight on what merchant establishments in the Singapore market perceive of the costs they incur due to credit card acceptance. The research attempts to study the Singapore market and establish if increased credit card usage does increase costs for the merchant establishments that accept credit cards, this will help to acquire institutions in Singapore have a better understanding of merchant perceptions and what drives or deters credit card acceptance in the Singapore market. The survey was based on an interview of merchant establishments and the views of the merchants and was not based on their financial data. As a first step, the variables used in the survey were tested for interdependence using Chi-square tests; subsequently data reduction using factor analysis was performed and finally linear regression to establish a relation between dependent and independent variables. Merchant establishment believe accepting credit cards and increasing volume is costlier compared to another form of payment, but have mixed awareness about interchange fee. It also indicated that interchange fee and cardholder benefits are independent of the merchant establishments. The study only broadly attempts to gauge merchants view if increased credit card usage has increased costs for them.

• Asia Marketing Journal
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• 제12권2호
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• pp.155-175
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• 2010

본 연구는 관계혜택과 브랜드 동일시에 관한 탐색적 연구로서 충성도에 긍정적인 영향을 미치는 것으로 알려져 온 관계 혜택과 브랜드 동일시를 함께 고찰하려는 데에 목적이 있다. 관계 혜택과 브랜드 동일시는 각각 충성도와 유의한 관계가 있는 것으로 잘 알려져 왔으나, 그들 간의 관계를 함께 살펴본 연구는 거의 없는 실정이다. 한편으로는 카드산업에서 관계혜택이 중요한 전략적 요소인 동시에 최근에는 브랜드 개성과 이미지를 카드에 연결시키려는 시도를 하고 있다. 따라서 본 연구에서는 관계 혜택과 충성도와의 관계를 브랜드 동일시가 매개할 것으로 보고 그 영향을 탐색하였다. 결과적으로 관계혜택 차원, 즉 확신적 혜택과 특별대우혜택이 개인적 동일시와 사회적 동일시에 영향을 미치고, 개인적 동일시가 충성도에 영향을 미치는 것으로 나타났으며, 특히 확신적 혜택은 충성도에 직접적인 영향도 있는 것으로 나타났다.

• 디지털융복합연구
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• 제18권11호
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• pp.477-483
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• 2020

신용카드가 결제 수단을 넘어 브랜드 아이덴티티를 드러내는 중요한 마케팅 도구로 자리 잡고 있다. 본 연구는 국내 신용카드의 브랜드 아이덴티티를 구현한 사례 중에서 긍정적인 브랜드 경험을 제공한 신용카드 디자인 사례를 분석하여 효과적인 디자인 전략 방안을 제시하는 것이 목적이다. 국내 대표 신용카드 브랜드의 디자인을 번 슈미트의 경험유형에 따라 분석했다. 분석 결과 신용카드를 디자인할 때 각 테마에 맞는 색상으로 시각적인 효과를 극대화하고, 소비자의 오감을 자극하고 나아가 신용카드가 주는 혜택 등을 연상할 수 있는 인지 및 감성 경험을 제공하는 것이 브랜드 아이덴티티를 드러내는데 효과적이라고 나타났다. 본 연구는 국내 카드사가 신용카드 디자인을 통해 브랜드를 소비자들에게 긍정적으로 각인시킬 수 있는 디자인 방향을 제시하는 데 의의가 있다.

• Asia Marketing Journal
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• 제15권4호
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• pp.223-241
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• 2014

In May 2012, the collaboration of Hana Bank, top financial service company, and SK Planet, top telecommunication service provider, introduced a new credit card that was filled with all-in-one benefits into the market. Leveraging strong infrastructure of two companies, each top in its own industries, the awareness and preference of 'Club SK Card' brand rapidly increased to about 25% in less than one year. Moreover, this new card was enthroned in the most sold credit card of year 2012, accounting for a market share of 7.2% in the credit card market and more than 80% in the mobile credit card market. To make these results possible, 'Club SK Card' marketing team developed an effective marketing communication strategy which followed the 6M model. The mission of the marketing communication strategy was simple and clear. It was to deliver the card's inherent strengths on consumer benefits that come from the support of subsidiary and affiliated companies of SK Planet. According to OK Cashbag data, the marketing communication team selected the appropriate target consumers and approached them directly, inducing actual purchase behavior. The target consumers received straightforward messages about 'Club SK Card' and were led to join in the new membership at their most frequently visited supermarket or franchise restaurant. The straightforward communication message embedded in an eye-catching commercial ad with a hook song accompanied with a dance was delivered via public media. The ad became so popular that many other television programs quoted or made parodies of the ad. Courtesy of the commercial ad, the brand name disseminated rapidly and widely among the public. In October 2012, an ingenious planning and persistent implementation of the communication strategy results 'Club SK Card' to be ranked top in brand awareness as well as advertising preference tests.

• 한국전자거래학회:학술대회논문집
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• 한국전자거래학회 2004년도 e-Biz World Conference
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• pp.75-82
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• 2004

Recently introduced by the major credit card associations as replacements for the decommissioned SET and 3DSET protocols, the new payment models, 3DSecure and UCAF/SPA, have been designed to provide online merchants with a solution to an existing problem in online credit card transactions - the lack of an effective and efficient means of authenticating cardholders. The expected benefits arising from this added level of security from the merchant′s perspective are increased consumer confidence, significant reduction in the levels of fraud and charge backs and "liability shift". Using data gleaned from preliminary interviews, discussion forums and promotional material, we present a critical analysis of the potential barriers and facilitators that will impact on the widespread traction of these programs in the marketplace in the coming years.

• 벤처창업연구
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• 제8권4호
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• pp.161-176
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• 2013

본 연구는 국내 신용카드 시장에서 관찰되는 양면시장적 성격에 대해 고찰한다. 우선 기존 연구들을 참조하여 양면시장이 필수적으로 갖추어야 할 요건과 성격을 여섯 가지로 요약한 후 카드시장에서 이러한 특성들이 실제로 나타나는지에 대해 논의하였다. 다음으로 성숙한 국내 카드시장의 특성을 고려, 기존 연구에서 논의하는 일반적인 양면성 외에 추가적으로 발생할 수 있는 양면시장적 특성을 카드사들의 전략적 마케팅 제휴와 관련하여 제시하였다. 즉, 전략적 제휴에 의해 발생하는 제휴카드 회원그룹과 제휴카드 가맹점 그룹 간의 추가적인 양면성의 존재 가능성을 제시하고, 일반적인 양면시장의 특성이 이들 그룹 사이에도 나타날 수 있는지를 고찰하였다. 또한 이러한 추가적인 양면성을 실증적으로 측정하기 위한 두 개의 모형을 제시하고 각각의 측정방법에 대한 대안도 서술하였다. 이를 통해 본 연구는 국내 카드시장과 같이 성숙한 양면시장에서는 기존 연구에서 다루는 일반적인 양면성 이외에 추가적인 양면성이 존재할 수 있다는 새로운 관점을 제공한다.

• 수산경영론집
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• 제47권2호
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• pp.43-59
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• 2016

This study investigated the difference of the effects of public loan programs in fishery industry on management performance from a balanced score card (BSC) perspective depending on the type of loan, scale of fund, period of support and business category, using the financial data of fisheries firms having the balance of loan at the end of 2014. The key factors influencing credit rating change were also analyzed after public loan support. From a integrative perspective, results show that the firms supported by working fund have higher management performance than the firms supported by facility fund. The firms received large scale fund showed higher management performance than the firms received small scale fund. While management performance was decreasing or slowing down over time after financial support, management performance of the firms supported by facility fund improved over time. From a non-financial perspective, the firms received facility fund invested more in education and growing perspective than the firms received working fund. As the size of fund increased, the investment in education, growing, internal process and customer increased. Personnel expenses and employee benefits for education and growing has increased over time. However, the firms with facility fund restricted the expenses of education, personnel expenses and employee benefits as time goes by. Because the effects of public loan on credit rating of fisheries corporations have no statistical significance, it has become known that the financial support of public loan program has no influence on the change of credit rating of fisheries corporations. This study attempted performance analysis from a BSC perspective which combine factors of non-financial perspective with factors of financial perspective. Findings from this study suggest the direction of microscopic performance analysis of public loan in fishery industry.