Bringing Enjoy Shopping by Using Credit Cards: The Antecedents of Internal Beliefs

By Tseng, Shun-Yao | Journal of Economics and Economic Education Research, September 2016 | Go to article overview

Bringing Enjoy Shopping by Using Credit Cards: The Antecedents of Internal Beliefs


Tseng, Shun-Yao, Journal of Economics and Economic Education Research


INTRODUCTION

Enjoying shopping by using credit cards has emerged as a promotional message that many financial industries offer recently. For example, the Happy Go co-branded card, one of City Bank's credit cards, delivers an image of happily shopping and is now a popular credit card in Taiwan. Prior studies have focused on the utilitarian motivation that impact one's intention to use credit cards (Amin, 2007; Lee & Kwon, 2002; Abdul-Muhmin, & Umar, 2007, Khare et al., 2012). However, there are few empirical articles which capture the hedonic motivation for the intention of using credit cards. This study attempts to fill this gap.

As described in earlier studies, credit card usage could be viewed as individual technology acceptance (Sari & Rofaida, 2012). According to the revised version of the technology acceptance model (TAM) (Davis et al., 1992; Van der Heijden, 2003, 2004), perceived usefulness plays as a utilitarian motivator in technology acceptance behavior because people focus on the functional benefit (Davis et al., 1992; Van der Heijden, 2004) for credit card using requirements. In contrast with perceived usefulness, perceived enjoyment plays as a hedonic motivator because people enjoy their credit card use in the consuming processes (Van der Heijden, 2004). In addition, diverse external variables, such as user characteristics (e.g., perceived risk) (Featherman & Pavlou, 2003) and system features (e.g., information system quality) (Bhattacherjee & Sanford, 2006; Amin, 2007), are major antecedent influences on individual motivations (Davis, 1989) towards credit card usage.

For example, credit card fraud and wireless identity theft are two main negative consequences of using credit cards (Miyazaki & Fernandez, 2001). Individuals perceive that such risks will result in anxiety (Taylor, 1974) which decreases consumer internal beliefs (motivations) in their intention to use credit cards (Miyazaki & Fernandez, 2001; Salam et al., 2003). A great diversity and high quality of information may reduce such uncertainty (Taylor, 1974, Wang, 2008; Amin, 2007), increase individual motivations (Lin and Lu, 2000) and prompt credit card usage intentions (Amin, 2007). Tracing the impact of these external factors and realizing that the individual credit card using processes may be helpful for bank mangers in developing successful strategies of increasing credit card use.

This study aims to increase the understanding of individual credit card use processes, with an emphasis on three aspects: (1) the internal beliefs effects of perceived usefulness and perceived enjoyment, (2) information system quality of credit-card customer information systems, and (3) perceived risk. We integrate the D&M information system success model (Delone & McLean, 2003) into the modified technology acceptance model with hedonic motivation (perceived enjoyment) (Davis et al., 1992; Van der Hejden, 2004) to build a research model. Accordingly, we provide more explanations of factors which influence individual credit card usage.

THEORETICAL BACKGROUND AND HYPOTHESES

Motivation and TAM

The technology acceptance model (TAM) proposed by Davis (1986) is an adaptation of the theory of reasoned action (TRA, Ajzen & Fishbein, 1975) and is a model of user acceptance for information systems (Davis et al., 1989). The goal of TAM is to predict and explain computer-based technology usage behavior with an emphasis on two aspects: explaining the impact of internal beliefs on a person's attitudes, and in turn, their behavioral intentions, as well as tracing the impact of external factors on internal beliefs, attitudes, and intentions (Davis et al., 1989).According to TAM, two key internal beliefs, perceived usefulness and perceived ease of use, influence a person's attitude. Perceived usefulness refers to "the degree to which a person believes that using a particular system would enhance his or her job performance (Davis, 1989, p 320). …

The rest of this article is only available to active members of Questia

Already a member? Log in now.

Notes for this article

Add a new note
If you are trying to select text to create highlights or citations, remember that you must now click or tap on the first word, and then click or tap on the last word.
One moment ...
Default project is now your active project.
Project items
Notes
Cite this article

Cited article

Style
Citations are available only to our active members.
Buy instant access to cite pages or passages in MLA 8, MLA 7, APA and Chicago citation styles.

(Einhorn, 1992, p. 25)

(Einhorn 25)

(Einhorn 25)

1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

Note: primary sources have slightly different requirements for citation. Please see these guidelines for more information.

Cited article

Bringing Enjoy Shopping by Using Credit Cards: The Antecedents of Internal Beliefs
Settings

Settings

Typeface
Text size Smaller Larger Reset View mode
Search within

Search within this article

Look up

Look up a word

  • Dictionary
  • Thesaurus
Please submit a word or phrase above.
Print this page

Print this page

Why can't I print more than one page at a time?

Help
Full screen
Items saved from this article
  • Highlights & Notes
  • Citations
Some of your highlights are legacy items.

Highlights saved before July 30, 2012 will not be displayed on their respective source pages.

You can easily re-create the highlights by opening the book page or article, selecting the text, and clicking “Highlight.”

matching results for page

    Questia reader help

    How to highlight and cite specific passages

    1. Click or tap the first word you want to select.
    2. Click or tap the last word you want to select, and you’ll see everything in between get selected.
    3. You’ll then get a menu of options like creating a highlight or a citation from that passage of text.

    OK, got it!

    Cited passage

    Style
    Citations are available only to our active members.
    Buy instant access to cite pages or passages in MLA 8, MLA 7, APA and Chicago citation styles.

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn, 1992, p. 25).

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn 25)

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn 25)

    "Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences."1

    1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

    Cited passage

    Thanks for trying Questia!

    Please continue trying out our research tools, but please note, full functionality is available only to our active members.

    Your work will be lost once you leave this Web page.

    Buy instant access to save your work.

    Already a member? Log in now.

    Search by... Author
    Show... All Results Primary Sources Peer-reviewed

    Oops!

    An unknown error has occurred. Please click the button below to reload the page. If the problem persists, please try again in a little while.