A replication study of the credit card effect on spending behavior and an extension to mobile payments

Liu, Yunxin; Dewitte, Siegfried

doi:10.1016/j.jretconser.2021.102472

Cited by 38 publications

(31 citation statements)

References 36 publications

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“…The degree to which a person feels that utilizing a system will improve his or her performance is described as the system's PU (Davis et al, 1989;Venkatesh et al, 2003). Non-cash payments and personal consumer credit are made easier with credit cards (Liu & Dewitte, 2021). Due of the insecurity of carrying cash (Trinh et al, 2021) or special discounts from well-known companies, consumers prefer credit cards to cash (Aydin, 2021).…”

Section: Perceived Usefulnes (Pu)mentioning

confidence: 99%

“…Due of the insecurity of carrying cash (Trinh et al, 2021) or special discounts from well-known companies, consumers prefer credit cards to cash (Aydin, 2021). They rely on revolving credit cards with extended grace periods as a source of revolving credit (Trinh et al, 2021;Liu & Dewitte, 2021). They can even make cash withdrawals with credit cards if necessary (Liu & Dewitte, 2021).…”

Section: Perceived Usefulnes (Pu)mentioning

confidence: 99%

“…They rely on revolving credit cards with extended grace periods as a source of revolving credit (Trinh et al, 2021;Liu & Dewitte, 2021). They can even make cash withdrawals with credit cards if necessary (Liu & Dewitte, 2021). As a result, customers value the convenience of using a credit card and are more inclined to do so for everyday purchases Cornea, 2021;Lebichot et al, 2021;Hussein et al, 2021).…”

Section: Perceived Usefulnes (Pu)mentioning

confidence: 99%

“…PR refers to a customer's subjective expectations for loss in the event of an occurrence in terms of consumer behavior (Bauer, 1960;Featherman and Pavlou, 2003). Consumers are given a credit line with which to pay their expenses, and they must invest a significant amount of time, money, and effort in order to optimize it (Liu & Dewitte, 2021). Payments not always are made due to operational issues or system failures (Hussein et al, 2021).…”

Section: Perceived Risk (Pr)mentioning

confidence: 99%

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Consumers' perceptions of intention to use a credit card: perceived risk and security

Zahrani¹

2021

JESI

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The goal of this study is to combine the Technology Acceptance Model (TAM) with the theory of perceived risk to create a hypothetical model for consumer behavioral intention that will be validated using data from Saudi Arabia's intended credit card usage. 217 bank customers were polled via an online survey conducted across the country. Exploratory and confirmatory factor analyses were used to evaluate the factor structure of the measuring items, while structural equation modeling was being used to validate the recommended model and test the assumptions. Social influence (SI), perceived usefulness (PU), perceived ease of use (PEU), and perceived trust (PT) were all significant predictors of perceived risk (PR) and perceived security (PS) to affect consumer intention to use a credit card (IUCC), according to the results of structural equation modeling (SEM). This research might have assisted banks in establishing new customer acquisition tactics and determining how to deploy resources to retain and grow their existing customer base. As a consequence, this study adds to the body of information on consumer behavior by verifying the effects of PR and PS on credit card intention, which most prior studies have not shown. The study also delivers genuine data about Saudi Arabia's e-banking services, particularly in the credit card sector, to an academic research platform.

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Section: Perceived Usefulnes (Pu)mentioning

confidence: 99%

Section: Perceived Usefulnes (Pu)mentioning

confidence: 99%

Section: Perceived Usefulnes (Pu)mentioning

confidence: 99%

Section: Perceived Risk (Pr)mentioning

confidence: 99%

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Consumers' perceptions of intention to use a credit card: perceived risk and security

Zahrani¹

2021

JESI

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“…Also, Liu and Dewitte (2021) declared that the current COVID-19 situation would accelerate the growth of cashless transactions. According to a report commissioned by Razorpay, the digital payment business reported a growth of 76% since February 2020 (Abrar, 2021).…”

Section: Introductionmentioning

confidence: 99%

I won't touch money because it is dirty: examining customer's loyalty toward M-payment

Goel¹,

Garg

Sharma

et al. 2021

IJBM

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PurposeSeveral industries including banking are booming because of COVID-19. However, it is still unknown whether this growth is momentary or permanent in nature. Hence, this study aims to identify the role of health-related concerns and trust as stimuli on M-payment loyalty.Design/methodology/approachData were collected through Google Forms from 431 participants. Subjects were M-payment users. The hypothesized model was tested using structural equational modeling.FindingsResults of the study indicate that perceived severity and trust act as stimuli for M-payment loyalty. Further, trust not only influences loyalty directly but also through intimacy. Additionally, no linear relationship was found between perceived usefulness and M-payment loyalty.Originality/valueThis work is an early attempt to consider health-related concerns and trust as stimuli to predict M-payment loyalty. Further, this study focused on three new constructs, namely perceived severity, perceived susceptibility and intimacy, that are underexplored in digital banking literature.

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The pain of payment: A review and research agenda

Reshadi

Fitzgerald

2023

Psychology and Marketing

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Pain of payment is the negative psychological affect consumers experience when they become cognizant that they have lost a certain amount of their financial resources (immediate pain) or when they become aware that they will or may lose a certain amount of their financial resources in the future (anticipated pain). Pain of payment plays a significant role in consumer decision making and has attracted substantial scholarly interest in recent years. In this article, we conduct a systematic literature review of the existing work on pain of payment. We advance theory in the field by proposing a new organizing framework that summarizes the antecedents, moderators, and consequences of pain of payment. Furthermore, we provide a formal definition of pain of payment that encompasses all facets of this construct. Subsequently, we identify knowledge gaps and outline research questions that could be explored to improve our understanding of this construct and advance consumer psychology.

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A replication study of the credit card effect on spending behavior and an extension to mobile payments

Cited by 38 publications

References 36 publications

Consumers' perceptions of intention to use a credit card: perceived risk and security

Consumers' perceptions of intention to use a credit card: perceived risk and security

I won't touch money because it is dirty: examining customer's loyalty toward M-payment

The pain of payment: A review and research agenda

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