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Consumer behaviour in the credit card market: a banking case study

Pulina, Manuela (2011) Consumer behaviour in the credit card market: a banking case study. International Journal of Consumer Studies, Vol. 35 (1), p. 86-94. eISSN 1470-6431. Article.

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DOI: 10.1111/j.1470-6431.2010.00939.x


This paper analysed the demographic, socio-economic and banking-specific determinants that influence the choice of credit cards. A multinomial logit model was run on a recent portfolio of banking customers based in Italy. The model incorporates the type of credit cards as the dependent variable and a set of explanatory variables. The empirical results provided useful insight into the structural characteristics of the card payment system and offered a microeconomics perspective to analyse consumers' behaviour and preferences. Overall, women, older people, residents in the centre of Italy and secondary card owners are more likely to acquire a classic card. Gold cards are preferred by older customers, whereas younger clients have a higher probability to choose a revolving card, which is also preferred by the residents in the North-east. The analysis on the continuous variables highlighted that Italy can be regarded as a ‘conservative’ market with room for credit card upgrading and expansion into more sophisticated products.

Item Type:Article
ID Code:6916
Uncontrolled Keywords:Analysis, behaviour, credit, economic, multivariate
Subjects:Area 13 - Scienze economiche e statistiche > SECS-P/03 Scienza delle finanze
Divisions:002 Altri enti e centri di ricerca del Nord Sardegna > CRENoS-Centro Ricerche Economiche Nord Sud, Università di Cagliari e Università di Sassari
001 Università di Sassari > 01 Dipartimenti > Economia, impresa, regolamentazione
Publisher:Blackwell / Wiley
Deposited On:02 Jan 2012 13:18

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