The Problem of Unauthorized Transactions of Using Bank Cards as a Payment Instrument

Proskurnova, Ksenia Yu.; Tarasova, Alla Yu.; Sirotkin, Sergey A.; Ermolenko, Maria O.; Neklyudov, Vitaliy A.; Bykov, Vadim A.

doi:10.2991/assehr.k.201212.017

Cited by 1 publication

(1 citation statement)

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“…In today's world, where nothing is free (Madhoun & Bertin, 2017), changing attitudes towards money is also a significant driving force behind the spread of consumer culture (Roberts & Jones, 2001). There is a need to examine the cards used in payments, the penetration of digital technologies into consumer behaviour, and the desire to know how consumer behaviour and preferences will shape the future (Proskurnova et al, 2020). In this context, the framework of the research is also based on these theories, and the conceptual framework related to the concepts of responsibility consciousness, utilitarian consumption and rational spending within the framework of previous research and the hypothesis and model developed in this direction are presented in this section.…”

Section: Conceptual Framework and Hypothesis Developmentmentioning

confidence: 99%

Intermediate Role of Rational Spending in The Effect of Responsibility Consciousness on Utility Consumption Style

ERGİN,

ÇATI,

OSKALOĞLU

2024

Sosyoekonomi

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Within the scope of this research, it was revealed whether rational spending (with and without credit cards) has a mediating role in the effect of responsibility consciousness on utilitarian consumption style. In addition, it was determined whether the level of responsibility consciousness affects utilitarian consumption style and rational spending and whether rational spending affects utilitarian consumption. Research data were collected using the questionnaire technique. Data were collected from 479 students, 129 academics and 71 administrative staff. The collected data were analysed using SPSS 26 and PROCESS v4.2 plugin. In the research, first of all, the dimensions of responsibility consciousness, utilitarian consumption style and rational spending scales were determined with the help of explanatory factor analysis. As a consequence of the factor analysis, responsibility awareness and utilitarian consumption are one dimension; the rational spending scale was determined to have two dimensions: rational spending habit without credit cards and rational use of credit cards. As a consequence of the intermediation analysis, it was concluded that the consciousness of responsibility affects rational spending without credit cards, rational use of credit cards and utilitarian consumption. In addition, it was supposed that rational spending without credit cards and rational use of credit cards affect utilitarian consumption, and rational spending without credit cards affects rational use of credit cards. The serial mediation analysis using Model 6 determined that the consciousness of responsibility affects utilitarian consumption serially (one after the other) through rational spending (rational use of credit cards and rational spending habits without credit cards).

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Section: Conceptual Framework and Hypothesis Developmentmentioning

confidence: 99%