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Do Education Sector Credit Cards Differ with Other Credit Cards in Malaysia?

Author

Listed:
  • Alam, Md. Mahmudul

    (Universiti Utara Malaysia)

  • Ibrahim, Yusnidah Bt
  • Sriyana, Jaka

Abstract

Purpose: The credit card market is very large and segmented by targeting different types of consumers. One type of credit card is one that specifically targets people in the education sector, for instance students, teachers and other staff members. This study aims to compare the features of education and other credit cards in Malaysia. Design/methodology/approach: The study analyzes data concerning 234 credit cards by using descriptive statistics and one-way analysis of variance (ANOVA) test. Findings: Out of 234 credit cards, this study found only two credit cards especially target education sector customers. The study evaluated thirteen features of these credit cards and found that only two features are statistically significantly different from other conventional credit cards in Malaysia. These features are interest rate and cash withdrawal charge fees. Originality/value: This is an original study based on compilation of data from secondary sources. The findings will provide valuable insights to financial regulatory policy-makers, academics, and business managers.

Suggested Citation

  • Alam, Md. Mahmudul & Ibrahim, Yusnidah Bt & Sriyana, Jaka, 2022. "Do Education Sector Credit Cards Differ with Other Credit Cards in Malaysia?," OSF Preprints h9b7c, Center for Open Science.
    • Handle: RePEc:osf:osfxxx:h9b7c
    DOI: 10.31219/osf.io/h9b7c
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    References listed on IDEAS

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    1. Tae Soo Kang & Guonan Ma, 2007. "Recent episodes of credit card distress in Asia," BIS Quarterly Review, Bank for International Settlements, June.
    2. Shweta Singh & David H. Rylander & Tina C. Mims, 2018. "Understanding credit card payment behavior among college students," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 23(1), pages 38-49, March.
    3. Loke Yiing Jia, 2007. "Determinants of Merchant Participation in Credit Card Payment Schemes," Review of Network Economics, De Gruyter, vol. 6(4), pages 1-21, December.
    4. Gary S. Becker, 1975. "Human Capital: A Theoretical and Empirical Analysis, with Special Reference to Education, Second Edition," NBER Books, National Bureau of Economic Research, Inc, number beck75-1, March.
    5. Shweta Singh & David H. Rylander & Tina C. Mims, 2016. "College students and credit card companies: Implications of attitudes," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 21(3), pages 182-193, September.
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    Cited by:

    1. Alam, Md. Mahmudul & Ismail, Russayani & Said, Jamaliah & Dirie, Khadar Ahmed, 2022. "Assessment of Features and Market Segmentation of the Credit Card Industry in Malaysia," OSF Preprints j84f5, Center for Open Science.

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