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Dissertations / Theses on the topic 'Credit cards'

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Published: 4 June 2021
Last updated: 29 July 2024

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1

Kononenko, I. "Credit cards for children." Thesis, Видавництво СумДУ, 2012. http://essuir.sumdu.edu.ua/handle/123456789/25995.

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2

Ho, Kam-wah Patrick. "An analysis of the Hong Kong credit card industry : the competition and future development /." Hong Kong : University of Hong Kong, 1995. http://sunzi.lib.hku.hk/hkuto/record.jsp?B14038997.

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3

Sokur, A. A. "Credit cards of the future." Thesis, Видавництво СумДУ, 2012. http://essuir.sumdu.edu.ua/handle/123456789/25997.

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Credit Cards are an important part of our lives - they help to transfer, carry and exchange money safely and easily. But let’s face it - most credit cards are limited in features. They are completely useless without a compatible machine such as an ATM. When you are citing the document, use the following link http://essuir.sumdu.edu.ua/handle/123456789/25997
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4

Karayew, D. "The history of credit cards." Thesis, Видавництво СумДУ, 2012. http://essuir.sumdu.edu.ua/handle/123456789/25992.

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5

Sayeva, K. V. "Next generation of credit cards." Thesis, Сумський державний університет, 2012. http://essuir.sumdu.edu.ua/handle/123456789/28791.

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6

Worthington, Steve. "Affinity credit cards and relationship marketing." Thesis, Staffordshire University, 2004. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.402436.

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7

Bonca, Bogdan L. "Essays on Credit Scores, Strategic Behavior, and Default with Credit Cards." Thesis, The George Washington University, 2013. http://pqdtopen.proquest.com/#viewpdf?dispub=3587867.

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This dissertation addresses the question of strategic behavior with respect to unsecured credit, in the presence of vast asymmetry of information between lender and borrower. The theoretical exercise presented below differs from the existing literature on precautionary savings models in a number of ways. Firstly, it analyzes the credit scores from the perspective of a non-transferable asset and determines the effect of exogenous shocks to its value on consumer behavior. Secondly, it introduces a greater degree of asymmetry of information in the form of privately known health shocks. Thirdly, it moves away from the deterministic end of life model by introducing a stochastic shock for end of life, which also serves as an additional layer of information asymmetry between players in the market.

Finally, it modifies discounting through a dynamic discount factor. The simulations presented show significant effects from exogenous shocks to the credit allocation dynamics. These effects, however, are diminished with the passage of time, suggesting that strategic behavior is influenced more prominently in the short to medium term.

Following the establishment of economic value in the credit score, the dissertation addresses the question of asymmetric information in greater detail. By analyzing the effects of privately held stochastic health shocks in the presence of credit scores, it adds further insight into strategic behavior. Overall, the analysis focuses on the effects of exogenous changes to health that affect the incidence of such negative shocks, the magnitude of the shock, and finally the costs associated with the shock. Key findings show that the interplay between the insurance motif in borrowing and the strategic default motif are correlated with the credit scoring process and the credit allocation decision. Additionally, the dissertation also tests some of the theoretical predictions via a number of simple, stylized empirical models. Specifically, it presents models using data from the Survey of Consumer Finances that supports the hypothesis that, given a pessimistic outlook on life and health, individuals are likely to rely more on unsecured credit.

Finally, the dissertation will present extensions of the model under considerations. By expanding the current literature on precautionary savings models via the introduction of heterogeneous and dynamic risk profiles, it explores the implications of such profiles on strategic behavior. The model is estimated for various levels of static risk aversion, as well as a dynamic formulation. The results again show strong correlation between the credit scoring process and strategic behavior; however the impact is mitigated somewhat by the risk profile. To complete the picture of the effects of credit scoring on strategic behavior, an alternative credit allocation process is introduced. This process, which is a quasi-collateralized form of unsecured lending, reduces the incidence of strategic default. The implication is that credit scores have a significant impact on behavior, however, their impact also interacts with other components of the market (such as risk profiles and health shocks). These interactions modify the magnitude of the impact of the credit score on individual behavior, though largely the direction of the impact remains the same.

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8

Rodríguez, Reyes Luis Raúl. "Three studies on credit cards and money." Thesis, University of Essex, 2005. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.415946.

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9

Dey, Shubhasis. "Essays on consumer lines of credit credit cards and home equity lines of credit /." Columbus, Ohio : Ohio State University, 2004. http://rave.ohiolink.edu/etdc/view?acc%5num=osu1091811947.

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Thesis (Ph. D.)--Ohio State University, 2004.
Title from first page of PDF file. Document formatted into pages; contains x, 97 p. : ill. Advisor: Lucia Dunn, Department of Economics. Includes bibliographical references (p. 94-97).
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10

Martinez, John Brett. "Credit card credit scoring and risk based lending at XYZ Credit Union." CSUSB ScholarWorks, 2000. https://scholarworks.lib.csusb.edu/etd-project/1752.

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11

Chow, Wo-lap. "Promotional strategy for visa credit card in Hong Kong with respect to customers' choice criteria." [Hong Kong] : University of Hong Kong, 1992. http://sunzi.lib.hku.hk/hkuto/record.jsp?B13302322.

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12

Bong, Kui-mein Maria. "Characteristics of active & inactive credit cardholders : a case study /." [Hong Kong : University of Hong Kong], 1985. http://sunzi.lib.hku.hk/hkuto/record.jsp?B12315126.

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13

Schoellner, Teresa Marie. "The effects of credit cards on money demand." Connect to resource, 2002. http://rave.ohiolink.edu/etdc/view.cgi?acc%5Fnum=osu1261242820.

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14

Blunt, Gordon. "Mining credit card data." Thesis, n.p, 2002. http://ethos.bl.uk/.

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15

Goodrich, Gwendolyn Lea. "Identity theft awareness in north central West Virginia." Huntington, WV : [Marshall University Libraries], 2003. http://www.marshall.edu/etd/descript.asp?ref=218.

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16

Lebani, K. "An evaluation of consumers adoption and use of store cards and related facilities in Botswana." Access to E-Thesis, 2007. http://upetd.up.ac.za/thesis/available/etd-04242008-153809.

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17

Kalkan, Kutay. "A critical look at payment card industry data security standards implementation in restaurants." Access to citation, abstract and download form provided by ProQuest Information and Learning Company; downloadable PDF file, 110 p, 2009. http://proquest.umi.com/pqdweb?did=1885544321&sid=4&Fmt=2&clientId=8331&RQT=309&VName=PQD.

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18

Sewart, Pete. "Graphical and longitudinal models in credit analysis." Thesis, Lancaster University, 1997. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.387438.

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19

Frank, Mari J. "Identity theft prevention and survival /." [Laguna Niguel, Calif.] : M.J. Frank and Associates, 1999. http://www.identitytheft.org.

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ID-theft survival kit -- Book From victim to victor -- ID theft FAQ -- Audiocassettes -- Identity theft resources -- Testimonials -- ID theft action letters -- About the author -- Media appearances -- Identity theft laws -- Theft Deterrence Act.
Title from opening screen, December 28, 1999.
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20

Slater, Richard S. "An analysis of credit card use as a method for making small purchases in the United States Marine Corps." Thesis, Monterey, Calif. : Springfield, Va. : Naval Postgraduate School ; Available from National Technical Information Service, 1994. http://handle.dtic.mil/100.2/ADA297054.

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Thesis (M.S. in Management) Naval Postgraduate School, December 1994.
"December 1994." Thesis advisor(s): David V. Lamm, Louis G. Kalmar. Includes bibliographical references ( p. 119-121). Also available online.
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21

Magnedal, Holmgren Andreas, and Victor Sellstedt. "Risk Free Credit: Estimating Risk of Debt Delinquency on Credit Cards : Using Machine Learning Methodology." Thesis, KTH, Skolan för elektroteknik och datavetenskap (EECS), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-259747.

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A well functioning economy requires a stable credit market. Computational intelligence methods could provide a method to reduce the amount of uncertainty in the markets. This report examines four different methods for predicting the probability for defaults of credit card clients in Taiwan. The four selected methods were Linear Discriminant Analysis, Support Vector Machines, Artificial Neural Networks and Deep Neural Networks. The models were then evaluated with regards to five different methods: Area Under the Curve for the Receiver Operating Characteristic, accuracy, precision, sensitivity and specificity. The results showed that all models performed better than random with similar results, except for the Support Vector Machine which in our testing configuration incorrectly classified almost all debtors that defaulted on their debt. Although there was no clearly superior model the results showed that the Deep Neural Networks and Linear Discriminant Analysis were the two most promising methods.
En välfungerande ekonomi behöver en stabil kreditmarknad. Maskininlärningsmetoder har potential att reducera osäkerheten på marknaden. Rapporten undersöker fyra olika metoder för att beräkna sannolikheten att en låntagare återbetalar sin kreditkortsskuld baserat på kreditkortsdata från Taiwan. Metoderna som valdes var Linear Discriminant Analysis, Support Vector Machines, Arti- ficiella Neurala Nätverk och Djupa Neurala Nätverk. Modellerna utvärderades med avseende på fem olika metoder: Area Under the Curve for the Receiver Operating Characteristic, nogrannhet, precision, sensitivitet och specificitet. Resultaten visade att alla modeller presterade bättre än slump med liknande resultat utom för Support Vector Machines som i vår testkonfiguration felaktigt klassificerade nästintill alla låntagare som inte skulle återbetala. Även om ingen modell var tydligt bättre än de andra visade resultaten att Djupa Neurala Nätverk och Linear Discriminant Analysis är metoderna som visar mest potential.
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22

ROIZMAN, ANDRE LUIZ. "PRODUCT DEVELOPMENT TO CREDIT CARDS INDUSTRY: A CONJOINT ANALYSIS APPLICATION." PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO, 2003. http://www.maxwell.vrac.puc-rio.br/Busca_etds.php?strSecao=resultado&nrSeq=3975@1.

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O desenvolvimento de produtos e a correta distribuição aos segmentos de mercado são fatores fundamentais no processo de elaboração da estratégia de marketing das empresas a fim de proporcionar uma vantagem competitiva. Para isso, é essencial o perfeito entendimento das necessidades e desejos dos consumidores. Nessa dissertação, aplica-se a teoria de análise conjunta, com o objetivo de apontar o conjunto de características consideradas desejáveis pelos consumidores para a aquisição de cartões de crédito. O desenvolvimento do trabalho é composto de duas etapas: escolha dos atributos a serem avaliados pelos respondentes e análise dessa avaliação. Para escolher o conjunto de atributos a serem julgados foram realizadas entrevistas em profundidade e grupo de foco. A formação desse conjunto de estímulos foi desenvolvida utilizando-se o software SPSS 11.0 versão Windows. Em seguida, realizou-se a coleta de dados por meio de questionários, os quais foram enviados por correio eletrônico, sendo que alguns foram entregues pessoalmente. Por fim, também com o auxílio do software SPSS 11.0 versão Windows, o estudo atingiu seu objetivo, identificando o conceito de produto considerado mais adequado, fruto da combinação de estímulos que gerou maior nível de utilidade.
The new product development and correct market segmentation are fundamental to define marketing strategy in order to provide a competitive advantage. To do this, the perfect understanding of customer needs is essential, too. In this research, the conjoint analysis theory is used with the objective of showing the group of characteristics understood as desirable by consumers to buy credit cards. This work is composed of two main basic steps: the choice of the attributes to be evaluated by the respondents and the analysis of this evaluation. The group of stimuli to be evaluated was chosen based on in-depth interviews and one focus group. The group of stimuli was developed using SPSS 11.0 software for Windows. Data collection was implemented with questionnaires sent by email. Some of them were handled personally. In the last step, also using the SPSS 11.0 software for Windows, this study reached its objective, identifying the concept of product considered the most adequate, as a result of the stimuli combination, which generated the highest utility level.
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23

Heresi, José Ignacio. "A Multi-Product Model of Credit Cards with Naive Consumers." Thesis, Toulouse 1, 2020. http://www.theses.fr/2020TOU10005.

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Le résumé en français n'a pas été communiqué par l'auteur
We analyze the pricing problem of credit card issuers when setting pertransactionfees for payments and interest rates for the credit associated withthese cards. By considering the issuer’s incentives coming from the creditmarket, we provide a new explanation to the widely observed phenomenonof credit card rewards. Issuers induce higher demand for the credit functionof their cards by lowering per-transaction fees, even to negative levels. Inaddition, by assuming that some consumers face a form of behavioral bias,consistent with recent empirical findings in financial markets, we develop anew explanation for the interest rate exhibiting some degree of stickinessin this market. Finally, we argue that interest rates are independent ofinterchange fees and that interchange fee regulation should take into accountthe costs and benefits of different forms of credit. We analyze the impact of platform price parity clauses when sellers setfinal prices and platforms set fixed fees. In this environment, platforms oftenrely on different tools to affect the degree of competition between sellersand influence final prices charged to consumers. We develop a model inwhich platforms can decide the unitary search cost faced by consumers, andshow when it is profitable for platforms to obfuscate consumers through highsearch costs. Then, we show that price parity clauses, when exogenouslygiven, can reduce or increase prices and consumer surplus. Even thoughplatforms’ demands become independent of prices, price parity clauses makethe equilibrium price set by sellers less responsive to the search cost. Finally,when price parity clauses are endogenous, we show that in the unique equilibrium,platforms set price parity clauses if and only if they lead to higherobfuscation, prices, and lower consumer welfare. We provide a new interpretation for coalition loyalty programs in an environmentwhere consumers search for their preferred products. A dominantfirm in one market can generate a prominent position for another firm in anunrelated market, by offering a reward to consumers conditionally on buyingin both firms. We show when it is optimal for consumers to sample firstthe firms in the coalition. We derive conditions under which this coalitionis profitable in comparison with a case with no coalition and in comparisonwith a case where the dominant firm creates a loyalty program only in itsown market. We find that the coalition can be profitable if and only if itincreases consumer surplus. Then, we explore the case where a continuumof coalitions compete, and show that in this case, consumer surplus is lower,industry profits are higher, and total welfare is ambiguous, relative with acase with no coalitions
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24

Macfarlan, Alex. "Risk, Competition and Credit Cards: The Financialisation of Australian Households." Thesis, Department of Political Economy, 2011. http://hdl.handle.net/2123/7251.

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25

Coetzee, Riaan. "The vat treatment of financial services linked to credit cards." Diss., University of Pretoria, 2013. http://hdl.handle.net/2263/41454.

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The treatment of financial services under the VAT has been one of the most contentious VAT issues since the origin of the VAT. Due to theoretical and measurement complexities, most countries opt to exempt financial services under the VAT. Exemption is the cause of all the controversy. Exempting supplies under the VAT compromises one of the corner-stones of the VAT – neutrality. South Africa is one of many countries that exempts most financial services under VAT. Credit card suppliers in South Africa offer a bundle of financial services comprising fee-based-charges and interest earned. The credit card user is usually only charged for the interest. Interest is an exempt supply under VAT. This gives rise to many distortions for South African credit card users and financial intermediaries. Exhaustive research has been conducted on the treatment of financial services under the VAT around the world. This study only focusses on the VAT treatment of interest margins of credit cards in South Africa. Firstly, it was determined that credit card offerings in South Africa include bundled offerings which is impractical to separate on a transaction-for-for transaction-basis due to valuation complexities and market conditions. Secondly, it was determined that VAT doesn’t play a major role in credit card suppliers’ decision on how offerings are structured. It is mostly guided by the competition and legislation. Thirdly, it was determined that administrative burden and compliance cost caused by apportionment in South Africa is highly underplayed in the literature. Lastly, it was proposed that full taxation of all financial services with implicit charges at a lower rate or full taxation of fee-based charges with exemption of financial services with a partial input recovery, to be the best alternatives for South Africa to consider to tax financial services under VAT.
Dissertation (MCom)--University of Pretoria, 2013.
am2014
Taxation
unrestricted
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26

Kerr, Sougata. "The impact of relationship lending in assessing default heterogeneity and consumer search behavior in the 1990s U.S credit card market." Columbus, Ohio : Ohio State University, 2003. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1060562543.

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Thesis (Ph. D.)--Ohio State University, 2003.
Title from first page of PDF file. Document formatted into pages; contains xii, 89 p.; also includes graphics (some col.). Includes abstract and vita. Advisor: Lucia Dunn, Dept. of Economics. Includes bibliographical references (p. 82-84).
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27

Robb, Cliff A. "College students and credit card use the effect of personal financial knowledge on debt behavior /." Diss., Columbia, Mo. : University of Missouri-Columbia, 2007. http://hdl.handle.net/10355/4793.

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Thesis (Ph. D.)--University of Missouri-Columbia, 2007.
The entire dissertation/thesis text is included in the research.pdf file; the official abstract appears in the short.pdf file (which also appears in the research.pdf); a non-technical general description, or public abstract, appears in the public.pdf file. Title from title screen of research.pdf file (viewed on February 28, 2008) Vita. Includes bibliographical references.
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28

Carroll, George T. "An analysis of the government commercial purchase card within the United States Marine Corps." Thesis, Monterey, Calif. : Springfield, Va. : Naval Postgraduate School ; Available from National Technical Information Service, 2002. http://library.nps.navy.mil/uhtbin/hyperion-image/02Dec%5FCarroll.pdf.

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29

Leung, Sau-tung, and 梁秀棟. "A study of the competition in the credit card business." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1987. http://hub.hku.hk/bib/B31263847.

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30

Jiang, Saihong. "An investigation of credit card holding, borrowing, and payoff." Columbus, Ohio : Ohio State University, 2007. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1177862213.

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31

Ekici, Tufan. "An investigation of credit card debt." Columbus, Ohio : Ohio State University, 2006. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1141228519.

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Thesis (Ph. D.)--Ohio State University, 2006.
An investigation of credit card debt: the effect of price and income expectations and the impact on consumption. Includes bibliographical references (p. 108-111).
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32

Azaizeh, Sofyan Yosof. "ESSAYS ON HOUSEHOLD DEMAND FOR CREDIT CARDS, BANKRUPTCY AND OVER-SPENDING." OpenSIUC, 2010. https://opensiuc.lib.siu.edu/dissertations/218.

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Studying household finance and behavior is important not only for understanding the micro level behavior, but also to have a better understanding of the whole economy. The study of household behavior become even more important after the 2007 housing crises, and the giant effect it had (and is still having) on Wall Street and the whole US and global economy. This dissertation is an attempt to understand some of the household behavior: how does the new internet era affect the demand for credit cards, which attitudes influence the household's decision to file bankruptcy, and whether expenditure habits encouraged overspending. The study will use the micro level data provides by Survey of Consumer Finance SCF2007. In the first chapter, the study focuses on the effect of having internet access on household demand for credit cards, controlling for standard price, income effects and other financial and demographic variables. The internet changed the way consumer shops, with more information about the product, the market and the price. E-Commerce retail sales grew on average of 22% a year over the past decade; in the second quarter of 2009 it reached $32.4 billion. The study found that households who have access to the internet, carry around $862 more on their credit card balance, in average, than households who have no access to the internet. The second chapter investigates the effects of borrowing and saving attitudes on household decision to file for personal bankruptcy. The total non-commercial bankruptcy filings increased from 560,682 cases in 2006 to 784,079 in 2007. This increase continued through 2008 and the first quarter of 2009, with 1,031,443 cases filed in 2008 and 304,228 in the first three months of 2009. The study results suggest that borrowing and saving attitudes have no effect of household decision to file for bankruptcy except for paying credit card balance in full every month. The third chapter studies the relationship between eating out "Food-Away-From-Home" and overspending. Since 19% of household in the US are spending more than their income. The average for the past nine years (2000-2008) was 1.6%. Compared to other industrialized countries, the US had one of the worst personal saving rates during the past twenty years . The study found that eating out does not encourage overspending. On the contrary, the higher the ratio of FAFH to total food expenditures the less likely household will overspend.
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Scott, Robert H. Sturgeon James I. "The determinants of default on credit card debt." Diss., UMK access, 2005.

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Thesis (Ph. D.)--Dept. of Economics. University of Missouri--Kansas City, 2005.
"A dissertation in economics and social science consortium." Advisor: James I. Sturgeon. Typescript. Vita. Title from "catalog record" of the print edition Description based on contents viewed June 26, 2006. Includes bibliographical references (leaves 149-161 ). Online version of the print edition.
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Chow, Wo-lap, and 鄒窩立. "Promotional strategy for visa credit card in Hong Kong with respect tocustomers' choice criteria." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1992. http://hub.hku.hk/bib/B43893338.

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Ho, Kam-wah Patrick, and 何錦華. "An analysis of the Hong Kong credit card industry: the competition and future development." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1995. http://hub.hku.hk/bib/B31266502.

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36

Mindykowski, Chelsi. "Credit card use amount college students and the effects of paying with plastic a literature review /." Online version, 2008. http://www.uwstout.edu/lib/thesis/2008/2008mindykowskic.pdf.

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Bliss, Michael. "Problems and processes in developing store credit cards : a retail case history." Thesis, University of Nottingham, 1997. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.243711.

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Guseva, Alevtina Vladimirovna. "Uncertainty, risk and trust in the Russian credit card and insurance market /." Diss., Connect to a 24 p. preview or request complete full text in PDF format. Access restricted to UC IP addresses, 2002. http://wwwlib.umi.com/cr/ucsd/fullcit?p3069222.

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Zancheta, Tatiana Vital de Castro Araujo. "Estudo comparativo de fluxos de transportes de pagamentos por cartão eletrônico." [s.n.], 2013. http://repositorio.unicamp.br/jspui/handle/REPOSIP/258570.

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Orientador: Orlando Fontes Lima Júnior
Dissertação (mestrado) - Universidade Estadual de Campinas, Faculdade de Engenharia Civil, Arquitetura e Urbanismo
Made available in DSpace on 2018-08-22T13:18:24Z (GMT). No. of bitstreams: 1 Zancheta_TatianaVitaldeCastroAraujo_M.pdf: 1873210 bytes, checksum: 7ce5975c7cd41a540de06b96b60d6e41 (MD5) Previous issue date: 2013
Resumo: O objetivo deste trabalho é de estudar comparativamente as redes de transportes de pagamentos por cartão eletrônico em três redes de abastecimento em meios eletrônicos de pagamento: no Brasil, na Inglaterra e nos Estados Unidos da América. Os casos Brasileiro, Britânico e Americano foram selecionados por claramente configurarem diferentes níveis de maturidade de compartilhamento das vias de transporte, chamado no setor por Interoperabilidade. O meio de pagamento via cartão de crédito, débito e "charge" revolucionaram o modelo de pagamento por produtos e serviços. No modelo econômico moderno é raro encontrar alguma loja que não aceite cartões como meios de pagamento. Outra revolução comportamental resultante do meio de pagamento por cartão é caracterizada pela diferença na sincronia entre o pagamento por produtos e serviços e a quitação dos mesmos débitos. Nesse contexto o desenvolvimento de meios eletrônicos de pagamentos alterou tanto a procura como a oferta de produtos e serviços na medida em que, entre outras características, possibilita que as pessoas tomem mais créditos pelo encorajamento de financiar suas despesas no tempo. Usualmente na literatura este assunto é tratado através de uma base econômica, sob a perspectiva de segurança na transferência de dados e infraestrutura física de tecnologia de informação. No entanto, os padrões de serviço de oferta e a demanda por meio eletrônico de pagamento são influenciados pelo comportamento dos seus clientes, pela maturidade do mercado em que estão inseridos e por questões de regulação governamental. Valendo-se do método de estudos de casos prospectivos para analisar os fluxos de transportes de pagamento por cartão eletrônico este estudo busca analisar as mudanças nos padrões de oferta e demanda do serviço, provocado pela alteração na regulamentação do setor que se abriu para modelo concorrencial em 2010. Através do desenvolvimento de conteúdo teórico a prático sobre transporte de pagamentos por cartão eletrônico esta dissertação busca contribuir para um maior entendimento das cadeias logísticas sob as perspectivas de abastecimento logístico e de oferta e demanda de serviços
Abstract: The aim of this work is to study the transport flows of electronic payments by card in three supply networks in electronic means of payment: in Brazil, England and the United States of America. The Brazilian, British and American cases were selected by clearly configure different levels of maturity of sharing of transport flows, called in the industry for interoperability. The means of payment via credit card, debit, and "charge" revolutionized the model of payment for products and services. In modern economic model is rare to find a shop that does not accept cards as means of payment. Other behavioral revolution resulting from the means of payment by card is characterized by difference in synchrony between the payment for products and services and the discharge of the same charges. In this context, the development of electronic payments has changed both the demand and supply of products and services to the extent that, among other characteristics, enables people to take more credits by encouragement to finance its expenditure in time. Usually in literature this subject is dealt with by means of an economic base, from the perspective of security of data transfer and physical infrastructure of information technology. However, the Standards of service provision and the demand for electronic means of payment are influenced by the behavior of their customers, for the maturity of the market in which they are inserted and by issues of government regulation. Using the method of studies of prospective cases to analyze the transport flows of payment by e-card this study seeks to analyze the changes in the patterns of supply and demand for the service, caused by the change in the regulation of the sector that has opened to competition model in 2010. Through the development of theoretical content to practical on transport of payments by e-card this dissertation aims to contribute to a greater understanding of the logistics chains under the prospects of supply logistics and supply and demand for services
Mestrado
Transportes
Mestra em Engenharia Civil
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40

Sharp, Deborah Marie. "College Students’ Attitudes towards Credit Card Debt & Savings." The Ohio State University, 2010. http://rave.ohiolink.edu/etdc/view?acc_num=osu1268156217.

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41

Hamilton, Robert. "[Credit] scoring : predicting, understanding and explaining consumer behaviour." Thesis, Loughborough University, 2005. https://dspace.lboro.ac.uk/2134/13053.

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This thesis stems from my research into the broad area of (credit) scoring and the predicting, understanding and explaining of consumer behaviour. This research started at the Univers1ty of Edinburgh on an ESRC funded project in 1988. This work, which is being submitted as the partial fulfilment of the requirements for the award of Doctor of Philosophy of Loughborough Unvers1ty, consists of an introductory chapter and a selection of papers published 1991 - 2001 (inclusive). The papers address some of the key issues and areas of interest and concern arising from the rapidly evolving and expanding credit (card) market and the highly competitive nature of the credit industry. These features were particularly evident during the late 1980's and throughout the 90's Chapter One provides a general background to the research and outlines some of the key (practical) issues involved in building a (credit) scorecard Additionally, it provides a brief summary of each of the research papers appearing in full in Chapters 2- 9 (inclusive) and ends with some general limitations and conclusions. The research papers appearing in Chapters 2-9 inclusive) are all concerned with predicting, understanding and explaining different types of consumer behaviour in relation to the use of credit cards. For example discriminating between 'GOOD' and 'BAD' repayers of credit card debt on the basis of different definitions of good and bad, the identification of 'slow payers' using different statistical methods; examining the characteristics of credit card users and non-users, and identifying the characteristics of credit card holders most likely to return their credit card.
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Kubát, Martin. "Využití platebních karet v maloobchodě." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-86054.

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The aim of the diploma thesis The Use of payment cards at the czech retail market is the analysis of benefits for card holders and the retailers. The theoretical part describes the history of payment cards, their types, variability of their use and supporting services and defines the relationship among holders of payment cards, banks and retailers. The practical part is focused on the research motives for using payment cards by their holders and the retailers.
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Al-Melhem, Ahmed A. "The legal regime of payment cards : a comparative study between American, British and Kuwaiti laws, with particular reference to credit cards." Thesis, University of Exeter, 1990. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.277098.

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Whiteman, Neil S. "Charging ahead : has the government purchase card exceeded its limit? /." Search "ADA383045" in "Accession number" field, 2000. http://stinet.dtic.mil/str/tr4%5Ffields.html.

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Wehrle, Caroline. "Analysis of the Chinese consumers' attitudes towards credit cards and consequences on profitability." St. Gallen, 2008. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/04605820002/$FILE/04605820002.pdf.

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46

ABRATE, FABIO DA SILVA. "DEVELOPMENT OF A QUESTIONNAIRE TO EVALUATE THE DETERMINANT VARIABLES OF COLLEGE STUDENT`S INDEBTEDNESS IN CREDIT CARDS: A PILOT STUDY ADAPTED TO THE BRAZILIAN CREDIT CARD MARKET." PONTIFÍCIA UNIVERSIDADE CATÓLICA DO RIO DE JANEIRO, 2009. http://www.maxwell.vrac.puc-rio.br/Busca_etds.php?strSecao=resultado&nrSeq=15827@1.

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O mercado de cartão de crédito no Brasil cresce ano após ano e as formas de utilização dos cartões também estão se modificando com o passar do tempo. Na atualidade, o cartão de crédito se tornou um meio de pagamento capaz de multiplicar a capacidade financeira de seu usuário, ou seja, se tornou um instrumento de alavancagem financeira. Dentro deste contexto, os estudantes universitários são um nicho extremamente atraente para a indústria dos cartões de crédito. Este estudo piloto objetivou elaborar um questionário para avaliar as variáveis determinantes do endividamento de estudantes universitários no cartão de crédito, adaptando a literatura estrangeira para a realidade do mercado de cartão de crédito brasileiro. O questionário elaborado foi aplicado em seis diferentes universidades no estado do Rio de Janeiro, no Brasil, e resultou em uma amostra de trinta e dois estudantes. Os dados coletados foram tabulados e tratados estatisticamente através do método de regressão linear múltipla. Os resultados apontaram que apenas uma das variáveis independentes elencadas teve significado estatístico e pode ser considerada como preditora do grau de alavancagem financeira dos estudantes. Esta variável foi o meio de pagamento de preferência. Em resumo, os estudantes que declararam preferir o cartão de crédito como meio de pagamento de preferência apresentaram maiores níveis de endividamento.
The credit card market in Brazil is growing year after year and the way to use the cards is also changing over the time. Currently, the credit card has become a payment method which can multiply the financial capacity of its holder, in other words, it became an instrument of financial leverage. In this context, college students are a very attractive niche for the credit card industry. This initial study aimed to develop a questionnaire to evaluate the determinant variables of college student`s indebtedness in credit cards by adapting the foreign literature to the Brazilian credit card market reality. The questionnaire developed was distributed to students of six different colleges in the State of Rio de Janeiro, in Brazil, and resulted in a sample of thirty-two students. The collected data were tabulated and statistically treated by the multiple linear regression method. The results showed that only one of the independent variables listed was statistically significant and could be considered a predictor of the degree of financial leverage of the students. This variable was the preferred payment method. In short, students who expressed the preference for credit cards as a payment method had higher levels of indebtedness.
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Lai, Kam-hung Jimmy. "The strategic importance of information technology (IT) to the credit card business of a local banking group /." Hong Kong : University of Hong Kong, 1996. http://sunzi.lib.hku.hk/hkuto/record.jsp?B18003205.

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Ng, Ching-wai Alan, and 吳政偉. "Strategic issues facing fuel credit card marketing in Hong Kong." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1990. http://hub.hku.hk/bib/B31264700.

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WEI-KWANG, WANG, and 王偉光. "Credit Cards and Consumer Credit Protection." Thesis, 1995. http://ndltd.ncl.edu.tw/handle/13635756868729226076.

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"A comparative study on the credit card business in Hong Kong and People's Republic of China." Chinese University of Hong Kong, 1991. http://library.cuhk.edu.hk/record=b5886670.

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by Mui Yuet-sheung.
Thesis (M.B.A.)--Chinese University of Hong Kong, 1991
Includes bibliographical references.
EXECUTIVE SUMMARY
ACKNOWLEDGEMENT
CHAPTER
Chapter I: --- INTRODUCTION
Operation of Credit Card System
Role of Visa and MasterCard International Inc.
Chapter II: --- BUSINESS REVIEW
Historical Development of VISA and MasterCard
Development of Credit Card Business in Hong Kong
Development of Credit Card Business in China
Chapter III： --- OBJECTIVES AND METHODOLOGY
Hypothesis
Objectives
Methodology
Chapter IV: --- RESEARCH FINDINGS AND ANALYSIS
Marketing Strategies on Credit Card Products Employed by Banks in Hong Kong and China
Product Strategy
Pricing Strategy
Promotion Strategy
Distribution Strategy-
Operating System of Credit Card Business in Hong Kong and China
Credit Approval
Authorisation
Settlement
Credit and Security Control
SWOT Analysis
SWOT Analysis of Card Business in China
SWOT Analysis of Card Business in Hong Kong
Chapter V: --- COMPARISON BASED ON MCGUIGAN MODEL
McGuigan's Conceptual Market Performance Model
Market and Environmental Conditions
Market Structure
Market Conduct
Market Performance
Chapter VI: --- CONCLUSION AND FUTURE DEVELOPMENT
APPENDICES
Chapter Appendix I: --- Historical Development of VISA and MasterCard
Chapter Appendix II : --- Development of Credit Card Business in Hong Kong
Chapter Appendix III : --- Development of Credit Card Business in China
Chapter Appendix IV : --- Questionnaire Design (English and Chinese Version)
Chapter Appendix V : --- Background Information of Interviewees
Chapter Appendix VI : --- Interview Question Lists
Chapter Appendix VII : --- Different Credit Cards in Hong Kong
Chapter Appendix VIII : --- Different Credit Cards in China
BIBLIOGRAPHY
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