Explaining intention to use the Islamic credit card: an extension of the TRA model
Purpose – The Islamic credit card is a type of banking product offered by Islamic banks. Given the importance to the Islamic credit card to Islamic banks, the study is aimed at identifying the factors determining the Malaysian bank customers’ behavioral ...
Hanudin, Amin
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Factors Contributing to Credit Card Adoption Among Malaysian Consumers
, 2019 This research examines factors that contribute to credit card adoption among Malaysian consumers. This study investigates factors that lead to credit card adoption to provide useful insights to various parties such as marketers and policy makers.
Yuen, Yee Yen +2 more
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Credit Cards, Consumer Credit, and Bankruptcy
SSRN Electronic Journal, 2005 This paper analyzes the effects of credit card use on broader economic indicators, specifically consumer credit, and consumer bankruptcy filings. Using aggregate nation-level data from Australia, Canada, Japan, the United Kingdom, and the United States, I find that credit card spending, lagged by 1-2 years, has a strong positive effect on consumer ...
openaire +2 more sources
Lines of Credit and Consumption Smoothing: The Choice between Credit Cards and Home Equity Lines of Credit [PDF]
The author models the choice between credit cards and home equity lines of credit (HELOCs) within a framework where consumers hold lines of credit as instruments of consumption smoothing across state and time.
Shubhasis Dey
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The Failure of Price Competition In The Turkish Credit Card Market
The failure of competition and the consequent high and sticky interest rates in credit card markets have been the subject of a considerable amount of debate and research lately.
Akin, Guzin Gulsun +3 more
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Potential competitive effects on U.S. bank credit card lending from the proposed bifurcated application of Basel II [PDF]
This paper analyzes the potential competitive effects of the proposed bifurcated application of Basel II capital regulations in the United States on bank credit card lending activities.
Todd A. Vermilyea +2 more
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Applied SciencesThe prevalence of online transactions and extensive adoption of credit card payments have contributed to the escalation of credit card cyber fraud in modern society.
Eyad Btoush +3 more
doaj +1 more source
Do Liquidity Constraints and Interest Rates Matter for Consumer Behavior? Evidence from Credit Card Data [PDF]
This paper utilizes a unique new dataset of credit card accounts to analyze how people respond to changes in credit supply. The data consist of a panel of thousands of individual credit card accounts from several different card issuers, with associated ...
Nicholas S. Souleles, David B. Gross
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Credit card use after the final mortgage payment: does the magnitude of income shocks matter? [PDF]
We test the hypothesis that consumption smoothing occurs after large, but not small, expected future income shocks. Even though this hypothesis has often been discussed, formal evidence in support of it is rare.
Scholnick, Barry
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Switching costs and adverse selection in the market for credit cards: new evidence [PDF]
To explain persistence of credit card interest rates at relatively high levels, Calem and Mester (AER, 1995) argued that informational barriers create switching costs for high-balance customers.
Michael B. Gordy +2 more
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