In this paper, we study how potential characteristics of the new payment instrument may
affect consumer adoption and usage decisions at the point of sale. We do this by developing …

Purpose: This study aims to examine the factors that influence credit card misuse among
working adults in Klang Valley, Malaysia. The relationship among self-esteem, materialism …

Purpose–Despite the spread in usage and ownership of credit cards, few studies have
examined its effect on consumer debt in developing nations. The main purpose of this paper …

The two-sided market theory holds that consumer adoption and merchant acceptance of
payment cards are interdependent. However, empirical evidence on such network …

Card issuers have mainly relied on rewards programs as their main strategy to increase
usage. However, there is scarce evidence on the effectiveness of these programs. This …

Over the past decades, we have witnessed changes into how individual's pay. In particular,
there has been a drop in the use of cash as payment instrument both in terms of value and …

Purpose–The purpose of this paper is to develop a new Islamic credit card model that is in
line with Shariah principles and can be adopted as an alternative to contemporary Islamic …

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 …

Using the results of a survey on accepted means of payment, the authors examine merchant
preferences and perceptions of retail payment reliability, risk, and costs; the share of each …

The payment cards market is a two-sided market. Cost sensitivity of both consumers and
merchants for card services influences total demand. Survey data of Dutch merchants shows …