This study examines the factors that influence the attitude of customers toward utilization of\ncredit cards among academics at the University of Sri Jayewardenepura, Sri Lanka. 236\nquestionnaires were distributed through Google forms among academics in the Faculty of\nManagement Studies and Commerce and 94 respondents have replied questionnaire back.\nSample of the study is selected based on purposive sampling method.\nThe factors which are included in this study are availability of information, perceived\nusefulness, and characteristics of card issuers, general satisfaction and card use intension.\nMultiple regression analysis is used to determine the most contributory factor that best\npredict the attitude toward using credit cards. According to the results of the study the most\ninfluential variable on attitude towards credit card usage is card used intention followed by\nperceived usefulness and availability of information. The most influential variable is\nexplained 47.4% of the variation in the attitude towards usage of credit cards and the adjusted\nR2 also indicates that the model has good fit: 52.5% variation in attitude towards credit card\nusage is explained by estimated regression equation.
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