Factors Reducing Credit Card’s Perceived Risk in Retail Payment: An Approach to Consumer Traits

• 영문명: Factors Reducing Credit Card’s Perceived Risk in Retail Payment: An Approach to Consumer Traits
• 발행기관: 한국유통과학회
• 저자명: Nam Hoang TRINH Hong Ha TRAN
• 간행물 정보: 『유통과학연구(JDS)』제21권 제11호, 67~75쪽, 전체 9쪽
• 주제분류: 경제경영 > 경제학
• 파일형태: PDF
• 발행일자: 2023.11.30

영문 초록

Purpose: The study is focused on understanding consumer behaviour related to credit card use in retail payment or identifying factors that influence risk perception. Research design, data and methodology: Based on data collecting from structured self-administered questionnaires of 247 Vietnamese bank account payers, this study uses the Cronbach alpha analysis, the factor analyses, the structural equation modeling to assess the research’s measurement model and structural model with the presence of knowledge, propensity to trust, self-efficacy, risk perception, intended use and their complex, intertwined relationships. Results: The results reveal that customer’s perceived risk, which is affected by their self-efficacy and propensity to trust, negatively impact on their intended use of credit cards in retail payment. However, there is no evidence of the significant influence of consumer knowledge on how they assess potential losses of credit card. Conclusions: These findings provide a better understanding of consumer risk perception, its antecedents and consequence in a direction of credit card adoption. Bank managers or marketers should focus on increasing the information about credit cards and issues related to credit card use in retail payment, promoting mechanisms to encourage customers to participate in the credit card experience.

목차

1. Introduction

2. Literature Review

3. Research Model Development

4. Methodology

5. Findings

6. Discussions

7. Conclusion, Limitation, Recommendation

References

키워드

Retail payment Credit card Perceived risk Consumer traits