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Plastic Money/Credit Cards Charisma for Now and Then (A Thin Line between Easy Money and Risky Money)

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Author Info

  • Hasan, Dr. Syed Akif
  • Subhani, Muhammad Imtiaz
  • Osman, Ms. Amber

Abstract

The monetary rattle between consumption and affordability slammed the household severely for every now and then in all spheres of life from one pole to another. This research is an encomium on the charisma of plastic money, its usability and affordability while they are impacting on its preference to use. Friends and Family have an influence on the use of plastic money which is taken as a proxy of plastic money charisma while convenient use of plastic money along with spending adjustment and use of plastic money along with prediction of future income are the proxies of its usability and affordability. The findings reveal that the Plastic money has a charismatic appeal as it has an influential effect which is often endorsed by the family and friend. While, it is also investigated and concluded that plastic money also has its usability and affordability for the consumers.

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Bibliographic Info

Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 34739.

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Date of creation: 2011
Date of revision: 2011
Publication status: Published in European Journal of Scientific Research 1.62(2011): pp. 123-127
Handle: RePEc:pra:mprapa:34739

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Keywords: Plastic Money; Charisma; Usability; Affordability; Preference to use;

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References

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  1. Qi, Min & Yang, Sha, 2003. "Forecasting consumer credit card adoption: what can we learn about the utility function?," International Journal of Forecasting, Elsevier, vol. 19(1), pages 71-85.
  2. Hirschman, Elizabeth C, 1979. " Differences in Consumer Purchase Behavior by Credit Card Payment System," Journal of Consumer Research, University of Chicago Press, vol. 6(1), pages 58-66, June.
  3. Yang, Sha & Markoczy, Livia & Qi, Min, 2007. "Unrealistic optimism in consumer credit card adoption," Journal of Economic Psychology, Elsevier, vol. 28(2), pages 170-185, April.
  4. Shefrin, Hersh M & Thaler, Richard H, 1988. "The Behavioral Life-Cycle Hypothesis," Economic Inquiry, Western Economic Association International, vol. 26(4), pages 609-43, October.
  5. Klaus Wertenbroch, 1998. "Consumption Self-Control by Rationing Purchase Quantities of Virtue and Vice," Marketing Science, INFORMS, vol. 17(4), pages 317-337.
  6. Feinberg, Richard A, 1986. " Credit Cards as Spending Facilitating Stimuli: A Conditioning Interpretation," Journal of Consumer Research, University of Chicago Press, vol. 13(3), pages 348-56, December.
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Cited by:
  1. Hasan, Dr. Syed Akif & Subhani, Muhammad Imtiaz & Osman, Ms. Amber, 2012. "Spending patterns in youth," MPRA Paper 37657, University Library of Munich, Germany.

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