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A Note on Factors Influencing the Utilization of Bankcard

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  • PAUL A. VOLKER

Abstract

This note is an empirical examination of the nature of factors influencing the utilization of credit cards in Australia. Cross‐section data from a 1980 survey are employed in an attempt to determine what individual characteristics increase the probabilities of holding cards and using extended credit facilities. Aggregative time‐series analysis seeks to explain the trends in Bankcard financing of various types of expenditure.

Suggested Citation

  • Paul A. Volker, 1983. "A Note on Factors Influencing the Utilization of Bankcard," The Economic Record, The Economic Society of Australia, vol. 59(3), pages 281-289, September.
    • Handle: RePEc:bla:ecorec:v:59:y:1983:i:3:p:281-289
    DOI: 10.1111/j.1475-4932.1983.tb00816.x
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    References listed on IDEAS

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    1. White, Halbert, 1980. "A Heteroskedasticity-Consistent Covariance Matrix Estimator and a Direct Test for Heteroskedasticity," Econometrica, Econometric Society, vol. 48(4), pages 817-838, May.
    2. Greene, William H, 1981. "Sample Selection Bias as a Specification Error: Comment," Econometrica, Econometric Society, vol. 49(3), pages 795-798, May.
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