Relevant bibliographies by topics / Credit cards / Journal articles
To see the other types of publications on this topic, follow the link: Credit cards.

Journal articles on the topic 'Credit cards'

Author: Grafiati
Published: 4 June 2021
Last updated: 29 July 2024

Create a spot-on reference in APA, MLA, Chicago, Harvard, and other styles

Select a source type:

Consult the top 50 journal articles for your research on the topic 'Credit cards.'

Next to every source in the list of references, there is an 'Add to bibliography' button. Press on it, and we will generate automatically the bibliographic reference to the chosen work in the citation style you need: APA, MLA, Harvard, Chicago, Vancouver, etc.

You can also download the full text of the academic publication as pdf and read online its abstract whenever available in the metadata.

Browse journal articles on a wide variety of disciplines and organise your bibliography correctly.

1

Macleod, R. D. M. "Credit cards as donor cards." BMJ 307, no. 6903 (August 28, 1993): 569. http://dx.doi.org/10.1136/bmj.307.6903.569-d.

Full text
APA, Harvard, Vancouver, ISO, and other styles
2

Carter, Derek. "Which credit cards?" In Practice 14, no. 1 (January 1992): 52–56. http://dx.doi.org/10.1136/inpract.14.1.52.

Full text
APA, Harvard, Vancouver, ISO, and other styles
3

Liles, Owen. "Academic Credit Cards." Middle School Journal 18, no. 4 (August 1987): 34–35. http://dx.doi.org/10.1080/00940771.1987.11494750.

Full text
APA, Harvard, Vancouver, ISO, and other styles
4

Hobson, J. S. Perry, and Marilyn Ko. "Counterfeit Credit Cards —." Cornell Hotel and Restaurant Administration Quarterly 36, no. 4 (August 1995): 48–53. http://dx.doi.org/10.1177/001088049503600419.

Full text
APA, Harvard, Vancouver, ISO, and other styles
5

Jenkinson, S. "Medical credit cards." BMJ 299, no. 6697 (August 19, 1989): 472. http://dx.doi.org/10.1136/bmj.299.6697.472.

Full text
APA, Harvard, Vancouver, ISO, and other styles
6

Hall, M. S., and R. J. Hopkins. "Medical credit cards." BMJ 299, no. 6703 (September 30, 1989): 859–60. http://dx.doi.org/10.1136/bmj.299.6703.859-b.

Full text
APA, Harvard, Vancouver, ISO, and other styles
7

Worthington, Steve. "Retailer credit cards:." Retail and Distribution Management 17, no. 5 (May 1989): 8–11. http://dx.doi.org/10.1108/eb018418.

Full text
APA, Harvard, Vancouver, ISO, and other styles
8

Revzina, S. L. "Student’s Knowledge about Credits and Credit Cards." Izvestia of Saratov University. New Series. Series: Sociology. Politology 10, no. 2 (2010): 46–48. http://dx.doi.org/10.18500/1818-9601-2010-10-2-46-48.

Full text
APA, Harvard, Vancouver, ISO, and other styles
9

Worthington, Steve. "Credit cards in China." Monash Business Review 1, no. 2 (December 2005): 10–13. http://dx.doi.org/10.2104/mbr05015.

Full text
APA, Harvard, Vancouver, ISO, and other styles
10

Geanakoplos, John, and Pradeep Dubey. "Credit cards and inflation." Games and Economic Behavior 70, no. 2 (November 2010): 325–53. http://dx.doi.org/10.1016/j.geb.2010.02.004.

Full text
APA, Harvard, Vancouver, ISO, and other styles
11

Durkin, Thomas A. "Consumers and Credit Disclosures: Credit Cards and Credit Insurance." Federal Reserve Bulletin 88, no. 4 (2002): 0. http://dx.doi.org/10.17016/bulletin.2002.88-4.

Full text
APA, Harvard, Vancouver, ISO, and other styles
12

Ardelia, Nesia, and Farah Margaretha Leon. "Faktor–faktor yang mempengaruhi konsumen dalam menggunakan dan berhutang dengan kartu kredit di Jabodetabek." Jurnal Akuntansi, Keuangan, dan Manajemen 2, no. 2 (March 25, 2021): 83–101. http://dx.doi.org/10.35912/jakman.v2i2.136.

Full text
Abstract:
Purpose: This study discussed the factors that influence the use and debt of credit cardholders in Jakarta and surrounding areas (Jakarta, Bogor, Depok, Tangerang, Bekasi) Research methodology: The dependent variable used in this study is the use of credit cards and debts on credit cards. This study's independent variables were demographic factors, credit card feature factors, and attitude towards money factors. The sample of this study was 333 respondents using the purposive sampling technique. The data analysis model used is Ordinary Least Square (OLS). Results: The results showed that there were influences from demographic factors (age, income, family size), features on credit cards (credit limits), and attitudes towards money (the main payment method with credit cards, card tenure) on the use of credit cards; also, demographic factors (gender, type of work, level of education, income) and attitude towards money (minimum payment) on credit card debt. Therefore the factors that banks need to consider to increase their income, and the government for control of public expenditure, also the public to pay more attention to spending on their credit cards so that there is no accumulation of debt that cannot be paid. Limitations: This study has several limitations of specifically only examines the people who are in Jakarta and their surroundings (Jabodetabek) and examines demographic factors, features on credit cards, and attitudes. Contribution: This study will examine demographic factors, features on cards, and attitudes towards money by uniting variables per category into a unified category. The indicators in this study are adjusted to the community in Indonesia. Keywords: Attitude towards money, Credit cards, Credit card features, Demographics
APA, Harvard, Vancouver, ISO, and other styles
13

Ganesh, Gopala K., and Erramilli M. Krishna. "Customer Preference For Alternative Credit Card Based Payment Methods: Some Empirical Evidence." Journal of Applied Business Research (JABR) 3, no. 3 (October 31, 2011): 137. http://dx.doi.org/10.19030/jabr.v3i3.6524.

Full text
Abstract:
This article looks at consumer preferences for two major types of credit cards viz: (1) national credit cards i.e. bank credit cards and travel and entertainment cards that are typically accepted at a wide variety of establishments and (2) store credit cards whose acceptance is typically limited to stores that constitute a department store chain. Through a mail survey, an attempt is made to identify the reasons for card preferences and distinguishing background characteristics of individuals with a distinct preference.
APA, Harvard, Vancouver, ISO, and other styles
14

Kim, Moon-Yong. "Evaluation, Satisfaction, and Loyalty in the Context of Green Credit Card Services: Green Ethics as a Moderator." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 5 (April 11, 2021): 387–91. http://dx.doi.org/10.17762/turcomat.v12i5.971.

Full text
Abstract:
This research aims to examine the relationships among evaluation of green credit card services, overall satisfaction with green credit card services, and loyalty to green credit cards.In addition, this search examines whether consumers’ green ethics moderates the relationship between evaluation of green credit card services and loyalty to green credit cards. An online survey (N = 2,000) was conducted to test the hypotheses. Consistent with all the hypotheses, the results indicate that (1) evaluation of green credit card services has a positive effect on overall satisfaction with green credit card services (hypothesis 1); (2) evaluation of green credit card services has a positive effect on loyalty to green credit cards (hypothesis 2); (3) overall satisfaction with green credit card services has a positive effect on loyalty to green credit cards (hypothesis 3); (4) overall satisfaction with green credit card services mediates the relationship between evaluation of green credit card services and loyalty to green credit cards (hypothesis 4); and (5) the magnitude of the positive effect of evaluation of green credit card services on loyalty to green credit cards increases as individuals’ green ethics decreases (hypothesis 5).
APA, Harvard, Vancouver, ISO, and other styles
15

Hardiansyah, Imam Wahyu. "Kartu Kredit Syariah: Perspektif Hukum Islam." AL-Muqayyad 4, no. 1 (June 30, 2021): 45–52. http://dx.doi.org/10.46963/jam.v4i1.213.

Full text
Abstract:
Credit cards are one of the most common methods of payment in modern society. Credit cards are used to replace payments for the purchase of products and services. In cities, the Public usually uses this credit card to shop at retail stores and malls. The rapid development of the use of credit cards currently because people feel the cards as a means of payment and taking cash considering the practicality, comfort, and security. The basic law of sharia charge cards, however, has been explained in the Quran, Hadith, and also Ijma'.
APA, Harvard, Vancouver, ISO, and other styles
16

Wong, King-Yin, and Michael Lynn. "The easy-money effect: credit card spending and hard-work reminders." Journal of Consumer Marketing 34, no. 7 (November 13, 2017): 541–51. http://dx.doi.org/10.1108/jcm-07-2016-1868.

Full text
Abstract:
Purpose This research paper aims to examine the proposed easy-money effect of credit cards, which stimulates consumers to overspend. This paper shows how such an easy-money effect can be weakened. Design/methodology/approach In Study 1, an implicit association test was conducted with a sample of 169 participants to test the proposed credit card easy-money effect. In Study 2, experimental data were collected online from 365 participants to test the effectiveness of a hard-work reminder in weakening credit cards’ easy-money effect on consumer spending. Findings The proposed credit card easy-money effect exists, with spendthrift (ST) participants associating money with hard work less in the implicit association test after being presented with a credit card cue versus neutral cue. The results from Study 2 show that ST participants spent more on their dinner than tightwad participants when shown a credit card cue. However, this effect could be weakened when STs were also reminded of their hard work by a picture accompanied with words. Practical implications This paper suggests that credit cards’ spending-stimulating effect is due to consumers’ associations between credit cards and easy money. Based on this notion, this paper suggests conditions in which credit cards will stimulate more and less spending. Originality/value This is the first research attempt to examine the credit cards’ easy-money effect and the effectiveness of reminding consumers of their hard work to mitigate credit cards’ long-established spending-stimulating effect.
APA, Harvard, Vancouver, ISO, and other styles
17

Zielke, Stephan, and Marcin Komor. "Loyalty cards, credit options and economic market development." International Journal of Retail & Distribution Management 48, no. 6 (May 8, 2020): 591–607. http://dx.doi.org/10.1108/ijrdm-05-2019-0157.

Full text
Abstract:
PurposeThis paper analyses three strategies in customers’ use to afford consumption in a developed and an emerging market for different product groups. The strategies are: (1) usage of loyalty cards, (2) usage of credit cards and (3) usage of long-term credits.Design/methodology/approachMall intercept surveys conducted in Poland (emerging market) and Germany (developed market) provide data for testing a set of hypotheses using ANOVAs.FindingsResults show that customers in emerging markets show no differences in the usage of loyalty cards for product categories with high shopping frequency (groceries) compared to developed markets, while in all other product categories loyalty card usage is stronger. Results show further that in low price categories, customers in emerging markets use credit card payments more often compared to customers in developed markets. In high price categories, they use credit cards less often, but long-term credits more often.Research limitations/implicationsResults have implications for the design of loyalty programs and payment options in different markets. Results have also implications for public policy regarding concerns about increasing private debt in emerging countries.Originality/valueThis paper suggests a cost-benefit framework where customers in emerging countries perceive benefits of loyalty cards and credit options higher, while they are willing to bear higher costs. As a result, effects of product category characteristics on usage that are observable in developed markets do not exist in emerging markets.
APA, Harvard, Vancouver, ISO, and other styles
18

Raharjo, Untung, and Sony Kristiyanto. "Sharia Credit Card, Rules and Reality." Economie: Jurnal Ilmu Ekonomi 1, no. 1 (June 30, 2019): 48. http://dx.doi.org/10.30742/economie.v1i1.821.

Full text
Abstract:
Credit card is a banking product that is very well known by the public. Almost all banks have credit card products, including banks with sharia principles. One of the banks with sharia principles that have sharia credit cards is BNI Syariah. This study tries to explore more about the use of Islamic credit cards in Indonesia. BNI Syariah Bank was chosen in this case study because it is one of two sharia banks that have sharia credit card products. This research was conducted with a qualitative approach using the case study paradigm. This study came to the conclusion that the use of Islamic credit cards will return to the user. Credit card issuing banks can only supervise by locking a number of merchants who are deemed not to meet the rules in Islamic sharia. In general, the impact of using a credit card will return to the user. If users are able to use credit cards wisely and do not behave consumptively, then there will not be a problem with the use of credit cards
APA, Harvard, Vancouver, ISO, and other styles
19

Yusuf, Dina Yuliana, and Sony Kristiyanto. "Transaksi Digital Perbankan dan Dampaknya dengan Perekonomian Indonesia." Economie: Jurnal Ilmu Ekonomi 3, no. 2 (January 14, 2022): 138. http://dx.doi.org/10.30742/economie.v3i2.1815.

Full text
Abstract:
The process of analyzing the effect of short-term and long-term non-cash payment systems on economic growth in Indonesia in the form of P.D.B. Non-cash payment systems are represented by debit/debit cards, credit cards/credit cards and electronic money/e-money using time series data (January 2010 – December 2020) with E.C.M.(Error Correction Model). The conclusion obtained shows that the transaction volume of debit/debit cards, credit cards/credit cards and electronic money/e-money in the short term/short term has no effect on economic growth in Indonesia and the volume of card transactions in the long term/long term has negative relationship with economic growth in Indonesia.
APA, Harvard, Vancouver, ISO, and other styles
20

Mu’adzah, Nadiyah, and Dedy Rachmad. "A Bibliometric And Sentiment Analysis On Sharia Credit Card." JPS (Jurnal Perbankan Syariah) 5, no. 1 (April 26, 2024): 191–210. http://dx.doi.org/10.46367/jps.v5i1.1800.

Full text
Abstract:
This research aims to analyze previous research trends regarding Sharia credit cards and the sentiment of this research regarding law from an Islamic perspective. This research is a literature review that uses secondary data from 55 articles related to Sharia credit cards on Dimensions.ai. The data analysis techniques used are meta-analysis, bibliometric, and sentiment analysis, which are processed using Microsoft Excel 2019, VOSViewer, and SentiStrength software. The results of this study indicate that the development of scientific literature publications on Sharia credit cards fluctuated yearly. Sentiment analysis shows a tendency for positive perceptions rather than negative perceptions about the existence and laws of Sharia credit cards, but neutral perceptions dominate. This study found five relevant research topics related to Sharia credit cards. This study can be used as a reference in identifying influential authors, articles, and journals as well as relevant topics so that future researchers will find it easier to find references and topics of interest to developing literature on Sharia credit cards.
APA, Harvard, Vancouver, ISO, and other styles
21

Marlina, Reni. "Study of the Differentiation of Conventional Credit Card and Sharia Card Products in Sharia Banks." ITQAN: Journal of Islamic Economics, Management, and Finance 3, no. 1 (January 15, 2024): 59–69. http://dx.doi.org/10.57053/itqan.v3i1.31.

Full text
Abstract:
The development of sharia banking in Indonesia has experienced quite significant growth. It is based on the innovation of the credit card product issued by Sharia banking, namely the Syariah Card. This research aims to explain the differences between conventional credit card products and sharia cards regarding mechanism and product use. This research uses a qualitative method with a descriptive approach. The research results found that the differences between conventional credit card products and Sharia cards are in the transaction agreement scheme used, interest and the use of fees (juror) on Sharia cards. The existence of Sharia cards refers to the fatwa of the National Sharia Council of the Indonesian Ulema Council regarding the permissibility of Sharia credit cards No.54/DSN-MUI/X/2006 concerning Sharia Cards. The difference between Sharia cards and conventional credit cards is that Sharia cards are not allowed to charge interest but only remuneration (juror) or fees from each transaction. Conventional credit cards use interest-based because they assume the "time value of money" is money. It is just a medium of exchange that turns into a commodity that can reproduce only because of the opportunity factor of time, without the role of humans who work on it. Sharia banking needs to use this as a reference in making products for the public.
APA, Harvard, Vancouver, ISO, and other styles
22

Rusmita, Sylva Alif, and Shochrul Rohmatul Ajija. "Attitudes of Consumers Towards Islamic and Conventional Credit Cards in Indonesia." ETIKONOMI 16, no. 2 (July 3, 2017): 145–60. http://dx.doi.org/10.15408/etk.v16i2.5519.

Full text
Abstract:
This study aims to analyze the attitudes of consumers towards Islamic and conventional credit cards. Using online questionnaire survey data from 51 respondents in Surabaya, East Java, the study revealed that most consumers possessed credit cards because of their convenience factor, relationship with their existing bank, and card salesmen. Therefore, the sale is the most powerful way to invite the community to have an Islamic credit card. Many customers do not care whether their credit cards are Islamic based or not, as long as the salesman promoted cards to them and the cards are able to meet their personal needs, especially for sales and purchase transactions online, they will utilize the cards. The large number of Muslims in Surabaya should be a share of the lucrative market for Islamic credit cards. Therefore, the education about the Islamic manner of consumption and the dangers of usury should be promoted in Surabaya.DOI: 10.15408/etk.v16i2.5519
APA, Harvard, Vancouver, ISO, and other styles
23

Omar, Ahmed El-Murdi Saeed. "Assessing Financial Transaction Bank Credit Cards According to Islamic Banking System." advances in multidisciplinary & scientific research journal publication 6, no. 2 (June 30, 2020): 99–106. http://dx.doi.org/10.22624/aims/bhi/v6n2p4.

Full text
Abstract:
This research explored the historical background to bank credit cards, the development of using plastic cards, classification of bank cards, characteristics and benefits of each class of cards. The research intends to address presumed problems such as: what are bank credit cards? How it has been developed? What are the international organization that introduced plastic cards? How these companies settle the payment between the card holder, the bank where he opened account and the business center, where he purchased goods or enjoyed services? Descriptive analytical methodology was employed for analysis whereby the research described type of bank cards, classified them and then collaborate analysis with the usage and benefits of each card. The thrust of the paper is to explore the views of Shariah Law pertaining the legality of using plastic bank credit cards, describing the acts and behavior which is not lawful according to provisions of Shariah Law. Moreover it includes the legal basis for collecting fees by bank managements on services being offered to credit card holders. Key words: Bank credit cards. Visa, Master card, Amex, American express, Juristic resolution, Fatwas International Islamic juristic assembly.
APA, Harvard, Vancouver, ISO, and other styles
24

Fatoni, Ahmad. "Analisis Fiqh Terhadap Kartu Kredit Syariah." MUAMALATUNA 14, no. 1 (June 22, 2022): 17–30. http://dx.doi.org/10.37035/mua.v14i1.6363.

Full text
Abstract:
Along with the development of modern finance, the need for safe and efficient means of payment has become a necessity. Credit cards are the solution to answering these needs. The scholars agreed that credit cards are forbidden in Islam because of the interest in the mechanism, so an agreement emerged to create a credit card with a mechanism that is under sharia principles. However, differences of opinion among scholars arose mainly regarding the underlying contracts and the requirements that must be met on Islamic credit cards. This study aims to find out various fiqh analyses of scholars regarding the ability of Sharia credit cards. This type of research is qualitative with the library research method. The results showed that in general, scholars allow sharia credit cards. However, there are differences regarding the taking of fees on the kafalah contract, profit from administrative costs, and ta'widh on late fees.
APA, Harvard, Vancouver, ISO, and other styles
25

Dobson, Paul. "Credit Cards - Connected Lender Liability." Business Law Review 16, Issue 8/9 (August 1, 1995): 175–76. http://dx.doi.org/10.54648/bula1995050.

Full text
APA, Harvard, Vancouver, ISO, and other styles
26

CHAKRAVORTI, SUJIT, and WILLIAM R. EMMONS. "Who Pays for Credit Cards?" Journal of Consumer Affairs 37, no. 2 (December 2003): 208–30. http://dx.doi.org/10.1111/j.1745-6606.2003.tb00451.x.

Full text
APA, Harvard, Vancouver, ISO, and other styles
27

Bernthal, Matthew J., David Crockett, and Randall L. Rose. "Credit Cards as Lifestyle Facilitators." Journal of Consumer Research 32, no. 1 (June 2005): 130–45. http://dx.doi.org/10.1086/429605.

Full text
APA, Harvard, Vancouver, ISO, and other styles
28

Buczynski, James A. "Searchers, Bring Your Credit Cards." Internet Reference Services Quarterly 13, no. 4 (October 13, 2008): 381–87. http://dx.doi.org/10.1080/10875300802326491.

Full text
APA, Harvard, Vancouver, ISO, and other styles
29

Bernstein, Alan L. "Aren't Credit Cards Enough Financing?" Ear, Nose & Throat Journal 74, no. 5 (May 1995): 368. http://dx.doi.org/10.1177/014556139507400514.

Full text
APA, Harvard, Vancouver, ISO, and other styles
30

Hawkes, Paul, and Danielle Harrison. "Credit cards at the crossroads." Journal of Brand Management 6, no. 2 (November 1998): 91–98. http://dx.doi.org/10.1057/bm.1998.50.

Full text
APA, Harvard, Vancouver, ISO, and other styles
31

White, Michelle J. "Bankruptcy Reform and Credit Cards." Journal of Economic Perspectives 21, no. 4 (November 1, 2007): 175–99. http://dx.doi.org/10.1257/jep.21.4.175.

Full text
Abstract:
From 1980 to 2004, the number of personal bankruptcy filings in the United States increased more than five-fold, from 288,000 to 1.5 million per year. By 2004, more Americans were filing for bankruptcy each year than were graduating from college, getting divorced, or being diagnosed with cancer. In 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) became law. It made bankruptcy law much less debtor-friendly. Personal bankruptcy filings fell to 600,000 in 2006. This paper explores why personal bankruptcy rates rose, and will argue that the main reason is the growth of “revolving debt”—mainly credit card debt. It explains how the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005 altered the conditions of bankruptcy. Finally, this essay considers the balances that need to be struck in a bankruptcy system and how the U.S. bankruptcy system strikes these balances in comparison with other countries. I argue that a less debtor-friendly bankruptcy policy should be accompanied by changes in bank regulation and truth-in-lending rules, so that lenders have a greater chance of facing losses when they supply too much credit or charge excessively high interest rates and fees.
APA, Harvard, Vancouver, ISO, and other styles
32

Chakravorti, Sujit, and Ted To. "A theory of credit cards." International Journal of Industrial Organization 25, no. 3 (June 2007): 583–95. http://dx.doi.org/10.1016/j.ijindorg.2006.06.005.

Full text
APA, Harvard, Vancouver, ISO, and other styles
33

Canner, Glenn B., and Gregory E. Elliehausen. "Consumer Experiences with Credit Cards." Federal Reserve Bulletin 99, no. 5 (2013): 0. http://dx.doi.org/10.17016/bulletin.2013.99-5.

Full text
APA, Harvard, Vancouver, ISO, and other styles
34

Brito, Dagobert L., and Peter R. Hartley. "Consumer Rationality and Credit Cards." Journal of Political Economy 103, no. 2 (April 1995): 400–433. http://dx.doi.org/10.1086/261988.

Full text
APA, Harvard, Vancouver, ISO, and other styles
35

Irsyad, M. "Penerapan Model Almuqassah Sebagai Model Alternatif Kartu Kredit Syariah Di Indonesia." SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam 2, no. 3 (September 26, 2020): 153–68. http://dx.doi.org/10.36407/serambi.v2i3.200.

Full text
Abstract:
This study aims to find out whether the Islamic credit cards is shariah compliant, and to find out what if al-muqassah is applied in Indonesia as an alternative model of Islamic credit cards. This study uses qualitative research methods with descriptive analysis. The object of research in this study is the Islamic credit cards model that already exists in Indonesia and the al-muqassah model. The sample in this study uses purposive sampling, namely officials from the Islamic credit card division at BNI Syariah Jakarta and DSN MUI Officials. Data Obtained from this study through interviews with relevant institutions and documentation. The results obtained from the study indicate that based on that the current Islamic Credit cards products are shariah compliant. Where the benefits provided by Islamic credit cards are in line with shariah objectives, namely maqasid dharuriyyah and maqasid hajjiyyah. However, based on the issue of shariah in the application of existing Islamic credit cards, development is still needed to improve the quality of products, especially from shariah aspects. As for the application of the al–muqassah model in Indonesia, it is very possible as long as it is supported by all parties.
APA, Harvard, Vancouver, ISO, and other styles
36

MacDonald, Noah, and Brent Evans. "A theoretical examination of cash-back credit cards and their effect on consumer spending." Financial Services Review 28, no. 3 (November 16, 2023): 222–42. http://dx.doi.org/10.61190/fsr.v28i3.3428.

Full text
Abstract:
The role of cash-back credit cards in personal financial strategies is highly debated. For example, Dave Ramsey (Ramsey, 2019) urges consumers to avoid even the most lucrative cash-back cards, while others argue that these cards offer significant savings. Herein, we construct models to analyze the use of cash-back cards by rational consumers, demonstrating that cash-back cards increase spending (and, thus, reduce savings) for some consumers. While prior research focuses on behavioral issues related to credit cards, our research is the first to show that some consumers will rationally increase spending when using a cash-back credit card in lieu of cash.
APA, Harvard, Vancouver, ISO, and other styles
37

Shimizu, Ryotaro, Haruka Yamashita, Masao Ueda, Ranna Tanaka, Tetsuya Tachibana, and Masayuki Goto. "Latent Variable Models for Integrated Analysis of Credit and Point Usage History Data on Rewards Credit Card System." International Business Research 13, no. 3 (February 21, 2020): 106. http://dx.doi.org/10.5539/ibr.v13n3p106.

Full text
Abstract:
Recently, credit cards with point rewards functions (rewards credit cards) are widely used. Credit card companies can collect the users’ usage log data of various stores in multiple industries. The purposes of possessing a credit card varies depending on each user such as to use only the credit function, to use both the credit and point rewards functions, etc. Moreover, credit cards can be used in various situations in users’ lives, and the purchase history of each user is diverse. Focusing on the diversity of both card possessing purposes and purchasing behavior for each user, we propose two latent class models representing these diversities in this research.
APA, Harvard, Vancouver, ISO, and other styles
38

Pinto, Mary Beth, Diane H. Parente, and Todd S. Palmer. "Materialism and Credit Card Use by College Students." Psychological Reports 86, no. 2 (April 2000): 643–52. http://dx.doi.org/10.2466/pr0.2000.86.2.643.

Full text
Abstract:
Much has been written in the popular press on credit card use and spending patterns of American college students. The proliferation of credit cards and their ease of acquisition ensure that students today have more opportunities for making more credit purchases than any other generation of college students. Little is known about the relationship between students' attitudes towards materialism and their use of credit cards. A study was conducted at three college campuses in the northeastern part of the United States where a total of 1,022 students were surveyed. Students' attitudes toward use of credit and their credit card balances were evaluated relative to their scores on Richins and Dawson's Materialism Scale (1992). Our findings suggest no significant difference between those individuals scoring high versus low on the Materialism Scale in terms of the number of credit cards owned and the average balance owed. Individuals high on materialism, however, significantly differed in terms of their uses for credit cards and their general attitude toward their use.
APA, Harvard, Vancouver, ISO, and other styles
39

Yang, Ming-Hour. "Security Enhanced EMV-Based Mobile Payment Protocol." Scientific World Journal 2014 (2014): 1–19. http://dx.doi.org/10.1155/2014/864571.

Full text
Abstract:
Near field communication has enabled customers to put their credit cards into a smartphone and use the phone for credit card transaction. But EMV contactless payment allows unauthorized readers to access credit cards. Besides, in offline transaction, a merchant’s reader cannot verify whether a card has been revoked. Therefore, we propose an EMV-compatible payment protocol to mitigate the transaction risk. And our modifications to the EMV standard are transparent to merchants and users. We also encrypt the communications between a card and a reader to prevent eavesdropping on sensitive data. The protocol is able to resist impersonation attacks and to avoid the security threats in EMV. In offline transactions, our scheme requires a user to apply for a temporary offline certificate in advance. With the certificate, banks no longer need to lower customer’s credits for risk control, and users can have online-equivalent credits in offline transactions.
APA, Harvard, Vancouver, ISO, and other styles
40

shishany, Amer Al, and Mallak Al-Bashrah. "Perceptual exploration of credit cards' adoption: Customer perspective." International Journal of Data and Network Science 4, no. 4 (2020): 407–16. http://dx.doi.org/10.5267/j.ijdns.2020.x.003.

Full text
Abstract:
Despite the increased dissemination of online tools to execute financial transactions, the level of credit card usage adoption among consumers still encounters many challenges. The dissemination and adoption of credit cards to execute online purchases is influenced by certain factors that impact customers' consumption behavior. Exploring and perceiving these factors and challenges is imperative for enhancing the operations of online businesses. This study aims to examine specific factors that affect the adoption of credit cards among customers within the Jordanian online market. The factors this study explores are: Expenditure Level, Welfare of the Individual, Psychological Behavior, Credit Card Knowledge, Regulations and Laws and, finally, Theft and Fraud. This research was conducted through employing the quantitative approach; utilizing a questionnaire on a total of (335) credit card users in Jordan. The research subjects were credit card users (customers) from three Jordanian banks: Arab Banking Corporation, Housing Bank for Trade and Finance, and the Bank of Jordan. The study findings indicated that ‘Individual Welfare’ and ‘Psychological Behavior’ are the strongest influential factors on individuals' adoption of credit cards, followed by ‘Theft and Fraud’, ‘Laws and Legislation’, ‘Credit Card Knowledge’ and ‘Expenditure Level’ respectively in influence. The study recommendation encourages banks to focus more on increasing their clients' awareness regarding credit cards usage in order to enhance their perception of how to behave in case of fraud and theft and increasing their clients' awareness of the financial burdens, pitfalls, and tricks while using a credit card. Moreover, it suggests that banks should increase their marketing efforts for credit cards which can change the behavior and acceptance of individuals towards credit cards adoption.
APA, Harvard, Vancouver, ISO, and other styles
41

Nazimah, Hussin. "Perception of Malaysian Credit Cardholders on Conventional Cards in Comparison to Islamic Cards." International Journal of Advances in Management and Economics 01, no. 04 (July 2, 2012): 85–94. http://dx.doi.org/10.31270/ijame/01/04/2012/11.

Full text
APA, Harvard, Vancouver, ISO, and other styles
42

Susanty, Ade Pratiwi. "Legal Problems in the Use of Banking Credit Cards in Indonesia." International Journal of Law and Public Policy 2, no. 2 (September 27, 2020): 72–78. http://dx.doi.org/10.36079/lamintang.ijlapp-0202.148.

Full text
Abstract:
One of the banking products in the credit sector that is becoming a trend in Indonesia is a credit card. Almost everyone who has worked has a credit card. Credit cards are usually used to facilitate payment transactions when shopping. This research aims to explain about credit cards, credit card regulations in Indonesian laws and regulations, and legal problems in the use of banking credit cards. The method used in this research is normative legal research, using a statutory approach. The research results explain that a credit card is a card-based payment instrument that can be used to make payments for obligations arising from an economic activity, including spending transactions and / or to make cash withdrawals, where the cardholder's payment obligations are first fulfilled by the acquirer or issuer, and the cardholder is obliged to make payments at the agreed time, either in lump sum (charge card) or by payment in installments. Legal problems that often occur between banks and customers using Credit Cards are defaults committed by customers because they don’t pay Credit Card bills or fines billed to them and the use of debt collector services by the bank in invoicing credit card users.
APA, Harvard, Vancouver, ISO, and other styles
43

AKIN, G. GULSUN, AHMET FARUK AYSAN, EZGI ÖZER, and LEVENT YILDIRAN. "CONSUMER PREFERENCES AND REGULATIONS IN CREDIT CARD MARKETS: EVIDENCE FROM TURKEY." Singapore Economic Review 67, no. 02 (November 30, 2021): 849–75. http://dx.doi.org/10.1142/s0217590821500764.

Full text
Abstract:
In this paper, we analyze the demand side of the credit card market. Using unique survey data and a discrete choice model, we uncover consumer preferences for all price and nonprice features of credit cards. Our results provide evidence for an alternative explanation for the credit card pricing puzzles. We show that consumers view credit cards as highly differentiated products with both bank-level and card-level nonprice features. When selecting their credit cards, they predominantly prioritize these nonprice features over prices. Although private banks charge higher prices for their credit card services than other banks, the majority of consumers choose them as issuers due to their bank-level and card-level nonprice features. Consumers who prioritize prices tend to choose the credit cards of participation or public banks. Widespread branch/automated teller machine networks as bank-level features and installments, bonuses/rewards/miles and the prestige of the card as card-level features are particularly effective in consumers’ decisions to choose private banks as issuers. Such strong preferences for nonprice features seem to furnish private banks with market power. Hence, we argue that underlying issuers’ market power is also this differentiated nature of credit cards, for which regulatory measures are not self-evident.
APA, Harvard, Vancouver, ISO, and other styles
44

Oktaviyanti Panjaitan, Lystia, and Nurbetty Herlina Sitorus. "Analisis Pengaruh Transaksi Non Tunai Terhadap Peredaran Uang Tunai di Indonesia." Jurnal Indonesia Sosial Teknologi 3, no. 10 (October 31, 2022): 1117–30. http://dx.doi.org/10.36418/jist.v3i10.521.

Full text
Abstract:
This study aims to determine the effect of non-cash payment instruments on cash circulation, analyze variables that affect the decline in cash use in Indonesia such as ATM/debit, credit cards, e-money and mobile banking. This study uses secondary data in the form of time series and the model used in this study is the ECM approach to determine the correlation between ATM/debit cards, credit cards, e-money and digital banking on cash circulation. The results showed that ATM/debit cards have a significant positive effect on cash circulation in the long and short term. In the long and short term credit cards have a significant negative effect on cash circulation. In the long and short term, electronic money has a significant negative effect on cash circulation. Mobile Banking has an insignificant negative effect on cash circulation in the long and short term. Based on the results of statistical tests, the variables of ATM/debit cards, credit cards, e-money, and mobile banking simultaneously affect the circulation of cash in Indonesia.
APA, Harvard, Vancouver, ISO, and other styles
45

Cani, Klea, and Isida Mansaku. "The main factors affecting credit card use in Albania-the case of Tirana." CRJ, no. 1 (September 18, 2023): 74–81. http://dx.doi.org/10.59380/crj.v1i1.2762.

Full text
Abstract:
Considering the importance of debt in the economy, this study aims to find out the main factors that indicate the changes in credit card usage in Albania. Moreover, the research is focused on answering the questions regarding the attitude of cardholders and non-cardholders in particular after Covid-19 pandemic. Firstly, specific data have been taken from the Bank of Albania and the information was used to release the position of credit cards in Albania in recent years, by illustrating the total number of credit card payments and the number of issued and active credit cards in years. After that, a survey was conducted through an online questionnaire and personal interviews in order to have a clear picture of the current use of credit cards in Tirana. Data collected and analyzed points out that the majority of citizens have knowledge about credit cards. It is indicated that education and level of income are the main factors that affect credit card usage. The pandemic situation affected also the behavior of customers, making them buy more often with credit cards. The data show that the biggest advantage regarding credit cards is that they are a very practical payment method. However, financial institutions should create other eligibility criteria that could be met by a wider proportion of the population and also they should be more informative. As this research paper is related only to people who live in Tirana, further study is needed to cover other regions of Albania as well.
APA, Harvard, Vancouver, ISO, and other styles
46

Setiadi, Muhammad Tedy Dorisman, Nur Sulistyo Budi Ambarini, and Widiya N. Rosari. "IMPLEMENTATION OF BANK INDONESIA REGULATION NO. 18/40/PBI/2016 ON PAYMENT TRANSACTIONS USING CREDIT CARDS AT SHOPPING CENTERS IN BENGKULU CITY." Bengkoelen Justice : Jurnal Ilmu Hukum 9, no. 2 (January 2, 2020): 172–84. http://dx.doi.org/10.33369/j_bengkoelenjust.v9i2.9978.

Full text
Abstract:
The objective of the research was to study the implementation of Bank Indonesia Regulation No.18/40 / PBI / 2016 onDouble Swipe of Credit Card. The empirical juridical approach method in this researchused primary and secondary data as the main research data, through interviews and literature. A credit card is a credit facility provided by the issuing bank to its customers for transaction. From the research it was found thatin prior to the enactment of Bank Indonesia Regulation No.18/40/PBI/2016 on Payment Transactions Using Credit Cards, there were merchants that still do double swipe on credit card during payment transactions, first in the EDC (Electronic Data Capture) machine and on the cash register machine. However,due to the restriction on double swipe on credit card, this had been reduced. It was also strengthened by a strict regulation in the form of sanctions, reprimands and threats of crime committed by Bank Indonesia to merchants who conduct double swipe on credit card. The mechanism of bank issuing the credit card in giving approval is always different, but the terms and procedures are relatively the same. Legal protection of credit card users occurs when the signing of credit card approval agreement between the issuing bank and users since there is not clear juridical regulation. The problem mostlyarisingregarding the credit cards usage was credit card data scam. The only way to prevent this was through the use of credit cards properly, securely store credit cards when making payment transactions using credit cards, and understand the procedure of using a credit cardinpayment transactions properly. In case of credit card violation, the holder must report to the bank issuing the credit card and Bank Indonesia.
APA, Harvard, Vancouver, ISO, and other styles
47

Ismael, Rawaa. "Credit Fraud Recognition Based on Performance Evaluation of Deep Learning Algorithm." Iraqi Journal for Computers and Informatics 50, no. 1 (February 22, 2024): 1–5. http://dx.doi.org/10.25195/ijci.v50i1.454.

Full text
Abstract:
Over time, the growth of credit cards and the financial data need credit models to support banks in making financial decisions. So, to avoid fraud in internet transactions which increased with the growth of technology it is crucial to develop an efficient fraud detection system. Deep Learning techniques are superior to other Machine Learning techniques in predicting the customer behavior of credit cards depending on the missed payments probability of customers. The BiLSTM model proposed to train on Taiwanese non-transactional dataset for bank credit cards to decrease the losses of banks. The Bidirectional LSTM reached 98% accuracy in fraud credit detection compared with other Machine Learning techniques.
APA, Harvard, Vancouver, ISO, and other styles
48

Mohd Dali, Nuradli Ridzwan Shah, Shumaila Yousafzai, and Hanifah Abdul Hamid. "Credit cards preferences of Islamic and conventional credit card." Journal of Islamic Marketing 6, no. 1 (March 9, 2015): 72–94. http://dx.doi.org/10.1108/jima-05-2013-0039.

Full text
Abstract:
Purpose – The main aim of this paper is to identify whether certain consumers behave irrationally when it comes to select banking products. This paper builds on one of the most significant banking products that is the credit card. Design/methodology/approach – This is an exploratory research paper. Therefore, only descriptive analysis on the differences between three credit card user groups such as the Islamic credit card users, conventional card users and users who decide to use both credit cards, conventional and Islamic, were presented. Findings – The demographic and psychographic factors for the three different groups differ. In addition, there are four factors that influence the credit card selection. The factors are insurance/takaful provided by the credit issuers, cost associated with the credit card, the reward points programme offered and the convenience factors. Furthermore, the study found that three of the factors except insurance/takaful are significantly different between three credit card groups. Research limitations/implications – This paper is limited to the context of Malaysia and the respondents are mostly from the same ethnic. Therefore, it could not be generalised in the context of other countries and further studies comparing different culture or ethnic could benefit and enrich the topic of study. Practical implications – The Islamic and conventional banks could focus on several factors influencing customers’ selection and could focus to improve certain lacking areas as perceived by the consumers. The ability to increase the perceptions of the consumers regarding their credit cards will enable their products to be chosen in the market. Originality/value – There was a significant amount of literature discussed in the Islamic banking selection factors. However, little attention being paid to the selection of a specific bank’s product. This study offers a study that looks into the selection of the credit card offered by the banks in respect to the irrational behaviours of the religious consumers in economic activities as compared to the conventional economists. This paper will contribute to the body of existing literature of banking selection.
APA, Harvard, Vancouver, ISO, and other styles
49

Zahra, Audina Rizka, Marwan Batubara, Purnama Ramadani Silalahi, Rendi Prayoga, and Dea Putri Amanda. "Peningkatan Minat Dalam Penggunaan Kartu Kredit Syariah dengan Pendekatan Kepercayaan, Sikap dan Pendapatan di Kabupaten Labuhanbatu Utara." VISA: Journal of Vision and Ideas 1, no. 2 (December 9, 2021): 207–21. http://dx.doi.org/10.47467/visa.v1i2.934.

Full text
Abstract:
In non-cash transactions, Islamic credit cards have become a way of life in modern economic culture. The use of Islamic credit cards has risen and fallen throughout time due to a variety of variables. Trust, attitudes, and income are some of these determinants. The goal of this research was to see how beliefs, attitudes, and income affected interest in using Islamic credit cards. The basic data for this study comes from interviews with 38 participants in North Labuhanbatu Regency who were chosen using a borring sample approach. Multiple linear regression was used to evaluate the data. Each trust, attitude, and income level had a favorable and substantial impact on interest in using a sharia credit card, according to the findings. This study benefits (a) academics by providing proof of concept, and (b) Islamic banks by providing data to assess the factors that impact interest in using a sharia credit card. Keywords: Trust, Attitudes, Income, Islamic Credit Cards
APA, Harvard, Vancouver, ISO, and other styles
50

Zahra, Audina Rizka, Marwan Batubara, Purnama Ramadani Silalahi, Rendi Prayoga, and Dea Putri Amanda. "Peningkatan Minat Dalam Penggunaan Kartu Kredit Syariah dengan Pendekatan Kepercayaan, Sikap dan Pendapatan di Kabupaten Labuhanbatu Utara." VISA: Journal of Vision and Ideas 3, no. 1 (December 9, 2021): 15–29. http://dx.doi.org/10.47467/visa.v3i1.934.

Full text
Abstract:
In non-cash transactions, Islamic credit cards have become a way of life in modern economic culture. The use of Islamic credit cards has risen and fallen throughout time due to a variety of variables. Trust, attitudes, and income are some of these determinants. The goal of this research was to see how beliefs, attitudes, and income affected interest in using Islamic credit cards. The basic data for this study comes from interviews with 38 participants in North Labuhanbatu Regency who were chosen using a borring sample approach. Multiple linear regression was used to evaluate the data. Each trust, attitude, and income level had a favorable and substantial impact on interest in using a sharia credit card, according to the findings. This study benefits (a) academics by providing proof of concept, and (b) Islamic banks by providing data to assess the factors that impact interest in using a sharia credit card. Keywords: Trust, Attitudes, Income, Islamic Credit Cards
APA, Harvard, Vancouver, ISO, and other styles
You might also be interested in the bibliographies on the topic 'Credit cards' for other source types:
Dissertations / Theses Books
We offer discounts on all premium plans for authors whose works are included in thematic literature selections. Contact us to get a unique promo code!

To the bibliography