• Journal of Family Resource Management and Policy Review
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• v.13 no.2
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• pp.129-151
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• 2009

The first purpose of this study was to reveal the types of shopping value of college students. The second purpose was to examine the change in the perception and management behaviors related to credit cards according to the types of shopping value. The third purpose was to examine the effects of shopping value on perception and management behaviors on credit cards. The data were collected from 392 college students in Seoul by a self-administered questionnaire. Analyses including frequency, mean, factor analysis, Cronbach's alpha, Pearson's correlation analysis, Crosstabulation analysis, analysis of variance, K-means Cluster analysis and Multiple linear regression were conducted using SPSS WIN12.0. The major findings were as follows. First, college students can be categorized into 3 types of shopping values by K-means Cluster analysis of 14 items. The groups were entitled the hedonistic shopping value, the utilitarian shopping value, and the saving shopping value. Second, positive perception and management behaviors related to credit cards were different depending on the types of shopping value. The hedonistic shopping value group had a higher level of positive perception of credit cards and a lower level of credit card management, compared with the other groups. The saving shopping value group had higher levels of both positive perception and management of credit cards. Among the three groups, the utilitarian shopping group had the lowest level of positive perception of credit cards, despite having ahigher level of credit card management. Lastly, the most effective variance on credit card management was the utilitarian shopping value. These results suggest that a healthy shopping value is very important for having a healthy perception and management of credit cards, because shopping value is a critical variance to affect perception and management of credit cards.

• Fashion & Textile Research Journal
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• v.6 no.5
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• pp.585-594
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• 2004

This study aimed to classify the lifestyles of 1020 college students, and to analyze the effect of the lifestyles on the usages of credit card, price perception, purchasing satisfaction and the number of new clothing. The number of credit cards, total payment of credit cards and the attitude to credit card were different by the 7 clusters of college students, but the frequency of credit card use, the amount of cash service and arrear ages were not different. The perception to the apparel price, purchasing satisfaction, and the degree of clothing purchasing varied according to the lifestyle clusters. For example, 6th cluster being highest in the pursuit of appearance showed the highest amount of credit cards usage significantly and tendency of highest arrearage, and used credit cards mostly in clothing purchase.

• Journal of Family Resource Management and Policy Review
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• v.9 no.2
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• pp.145-161
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• 2005

This study was to examine whether the hedonic and utilitarian shopping values were expressed in shopping experience among the undergraduates and how the consumers with different shopping values vary in the perception of credit cards' benefit and risk. The 215 undergraduates in Seoul were surveyed. The results indicated that undergraduates were divided into hedonic shoppers and utilitarian shoppers according to their shopping value and that the perception of credit cards' benefit and risk was explained by the four factors including the increased cost, the removing the immediate need for money, the additional service and benefits, and the overspending and credit crime. The overspending and credit crime as one of the risk factors was affected by the types of shopping values.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.9 no.5
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• pp.1407-1413
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• 2008

Individual consumer characteristics change as the individual lifestyle changes. Each individual's unique lifestyle influences substantially the individual consumer behavior. Individual consumer's behavioral pattern varies significantly depending on the individual consumer's use of credit cards. Each individual's lifestyle or individual's perception of credit cards' brands and perceptual difference in qualities of credit cards' brands influence the individual's credit card selection. Credit card companies have been doing several researches in analyzing credit card users' lifestyle characteristics and consumer behavioral characteristics. However, researches on the relation of model structure among variables such as individual lifestyle, credit cards brand, quality perception of credit cards and credit card selection are not quite noticeable. Therefore, in this research we aim at providing a theoretical foundation with credit card companies by analyzing the relation of model structure among these factors.

• Journal of Distribution Science
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• v.21 no.11
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• pp.67-75
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• 2023

Purpose: The study is focused on understanding consumer behaviour related to credit card use in retail payment or identifying factors that influence risk perception. Research design, data and methodology: Based on data collecting from structured self-administered questionnaires of 247 Vietnamese bank account payers, this study uses the Cronbach alpha analysis, the factor analyses, the structural equation modeling to assess the research's measurement model and structural model with the presence of knowledge, propensity to trust, self-efficacy, risk perception, intended use and their complex, intertwined relationships. Results: The results reveal that customer's perceived risk, which is affected by their self-efficacy and propensity to trust, negatively impact on their intended use of credit cards in retail payment. However, there is no evidence of the significant influence of consumer knowledge on how they assess potential losses of credit card. Conclusions: These findings provide a better understanding of consumer risk perception, its antecedents and consequence in a direction of credit card adoption. Bank managers or marketers should focus on increasing the information about credit cards and issues related to credit card use in retail payment, promoting mechanisms to encourage customers to participate in the credit card experience.

• Journal of the Korean Society of Clothing and Textiles
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• v.23 no.2
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• pp.250-261
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• 1999

This study is designed to classify consumer groups based on their perception toward department store credit cards and the behavior they exhibit during the purchase of clothing. This classification is based on the study of factors taken into consideration during shopping and disparities in credit cared usage., The specific goals of this study are the following : First it is to classify female consumers over age 20 into "shopping orientation" types and "clothing purchase behavior" types according to their perception towards department store credit care usage. Second it is to discover the degree of perceived utility of department store credit card in clothing purchases. Third finally it is to assist a department store credit card market researcher establish a marketing strategy to best address consumers; needs and wants in credit card purchases The study methodology utilized and the results found were that : 1. The division of consumers into positive and negative groups based on factor analysis with the positive group found to have favorable attitudes towards department store credit card usage. 2. Classification of female consumers into three " shopping orientations" : fashion purchasing economic value purchasing and convenience purchasing. The positive group were predominantly fashion convenience purchasers who valued low cost and convenience over "fashionability" 3. The three classes of "purchase behavior" used were impulse buying planned buying and unplanned buying. The positive group those who had favorable attitudes toward department store credit cards. made mostly impulse and unplanned purchases while the negative group made largely planned purchasee the negative group made largely planned purchase.

• The Journal of Asian Finance, Economics and Business
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• v.7 no.10
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• pp.231-240
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• 2020

E-commerce development led to the explosion of online payment. Consumers have many choices when deciding on the online payment method for each transaction. Using a combination of both qualitative and quantitative methods with the help of SPSS AMOS version 22.0, the article explores the factors that influence consumers' online payment method decision behavior in Vietnam. Research results show that awareness of usefulness, awareness of risk, awareness of trust, awareness ease of use, product uncertainly perception and perceived behavioral control have effects on the behavior of deciding on online payment methods. Awareness of risk has the strongest negative impact on online payment method decision behavior and awareness of usefulness has the strongest positive impact on online payment method decision behavior. Based on these important results, the article proposes a number of implications: (i) continuing to invest and upgrade modern technology to ensure customer information absolutely confidential; (ii) converting all ATM cards on the market to EMV chip standard card technology; (iii) improving service activities, quickly handle things to create confidence for customers; (iv) credit institutions operating in the field of online payment linked to e-commerce sites, supermarkets, convenience stores, restaurants must ask partners to increase transparency for the products.

• Journal of Families and Better Life
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• v.29 no.4
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• pp.109-123
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• 2011

The importance of finance in our society is truly absolute, and the of financial consumers who cope with the financial environment is becoming. Recently, many authorities in Korea to perceive the absence of serious economic or financial consumer education in order to find a fundamental solution for such a phenomenon, there is a growing need to introduce financial consumer education. This study aims to review the comprehension power of finance among consumers are college students in this society the importance of finance is becoming greater, and to a way promote financial consumer education by analyzing the demand level for The main results obtained from the include the following. First, as a result of reviewing the characteristics of respondents, their average age was 21.8 years old, and on average they each had 4.16 credit cards. Most of them had no experience of receiving financial consumer education in their teenage years, and their interest level in investment was shown to be above average. Second, as a result of reviewing their comprehension power of finance, it was shown to be 64.10 points on average their comprehension of the income area was the highest, their comprehension money management was shown to be the lowest. Third, as a result of reviewing the perception level of the provision of financial consumer education, it was shown to be very low the perception level of on-line and off-line financial consumer education provided by the YMCA was shown to be the highest. Fourth, as a result of reviewing the level financial consumer education, it was shown to be very high. For the level for institutions financial consumer education, financial institutions the highest. For the level for the method of financial consumer education, respondents chose practical experience the most and education books the least. For the intention of participating in financial consumer education, most respondents that they would participate, and most of them answered that the starting period should be the teenage years and childhood Therefore, as a result, most university student's consumers have concerned on financial education and financial inportance, it need to educate for the university student's consumers, and it need to develop technical tools and contents for ficancial education.