Determinants of Attitude towards Credit Card Usage
Penentu Gelagat terhadap Penggunaan Kredit Kad

Faculty of Business Management
Universiti Teknologi MARA Melaka
Kampus Bandaraya Melaka
110 off Jalan Hang Tuah
75300 Melaka, MALAYSIA

shafinar@bdrmelaka.uitm.edu.my

Labuan School of International Business and Finance
Universiti Malaysia Sabah, Jln Sg Pagar
87000 WP Labuan, MALAYSIA
Second affiliation: IIUM Institute of Islamic Banking and
Finance (IIiBF)
International Islamic University Malaysia
Kuala Lumpur Campus
205A Jalan Damansara
Damansara Heights
50480 Kuala Lumpur, MALAYSIA

hanudin_zu@yahoo.com

Faculty of Business Management
Universiti Teknologi MARA Melaka
Kampus Bandaraya Melaka
110 off Jalan Hang Tuah
75300 Melaka, MALAYSIA

fas89@yahoo.com

Faculty of Business Management
Universiti Teknologi MARA Melaka
Kampus Bandaraya Melaka
110 off Jalan Hang Tuah
75300 Melaka, MALAYSIA

nurhaslinda@bdrmelaka.uitm.edu.my

Abstract

Credit cards have been viewed as a competitive banking product that helps to improve a bank’s financial position while at the same time improving financial transactions among customers of a bank. The present study explores the factors influencing the attitude of bank customers in the context of the Malaysian banking system. The study examines the effects of knowledge, media awareness, perceptions, family influence and religious factors on attitudes towards credit card usage. The study finds that knowledge, media awareness, perceptions and family influence are instrumental in determining consumer attitudes toward credit card usage. In more detail, perceptions are ranked highest, followed by family influence and knowledge. Identifying such factors helps to provide better information to direct future planning of credit card services. Importantly, this study provides valuable insight for bank managers to effectively oversee credit card services.

Keywords

Banking product; credit card; credit financing; Malaysia; personal finance; survey

Citation

Ismail, S., Amin, H., Shayeri, S. F., & Hashim, N. (2014). Determinants of Attitude towards Credit Card Usage. Jurnal Pengurusan, 41, 145–154.

@article{ismail2014determinants,
  title={Determinants of Attitude towards Credit Card Usage},
  author={Ismail, Shafinar and Amin, Hanudin and Shayeri, Siti Faseha and Hashim, Nurhaslinda},
  journal={Jurnal Pengurusan},
 

volume={41},
  number={},
  pages={145—154},
  year={2014},
  doi={},
  publisher={Penerbit UKM},
}

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41 (2014) 145 – 154

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