International Journal of Economics, Business and Management Studies

Volume 2, Number 3 (2013) pp 128-135 doi | Research Articles


Perceptions towards Credit Card Usage: Factor Analytic Finding from Pakistan

Kamran Siddiqui 1 Mahwish Anjum 1 
1 Faculty of Management Sciences, DHA Suffa University, Pakistan


This paper aims to present the individual differences among credit card users with reference to their age and Sex. Data for the research were collected through a survey of customers of Credit Card users in Pakistan. The results show that some age and Sex differences exist in the credit card usage. The research focuses on credit card services in Pakistan; further research from dispersed geographic areas may be necessary before generalization can be made on the entire service industry. Service providers can use this model for their market segmentation and targeting activities leading to better positioning their products/services in the competitive banking services. Although there are studies on individual differences of services; research on individual differences on credit cards is very limited; this research adds significant value on the subject area.



No video found for this article.

Related Articles

  1. The Impact of Teaching Resources on the Use of Different Teaching Methods: Libyan Accounting Graduates’ Perceptions
  2. Perceptions towards Credit Card Usage: Factor Analytic Finding from Pakistan
  3. Is Environmental Externality Management a Correction of Adam Smith’s Model to Make it Environmentally Friendly and Shift it Towards Green Markets or is it a Distortion on Top of Another Distortion?
  4. Change, Customer Satisfaction and Competition: Issues from the Strategic Management Context
  5. Financial Management Practices in Small and Medium Sized Enterprises: Empirical Evidence from the District of Ampara in Sri Lanka
  6. Political Instability Explains Political Economy of Pakistan: A Retrospective Analysis
  7. The Role of Technology in Enhancing Transparency and Accountability in Public Sector Organizations of Pakistan
  8. Training as Strategic Instrument for Human Resource Development: A Case of Pakistan
  9. Human Capital Flight in Pakistan: Strategies for Coping Brain Drain Situation
  10. Narcissistic Leadership at Workplace and the Degree of Employee Psychological Contract: A Comparison of Public and Private Sector Organizations in Pakistan