出版社：LLC “Consulting Publishing Company “Business Perspectives”
摘要：In our day of age,the rapid growth of technological improvements has brought a different view and more competition to the banking sector.It is apparent that the institutions that are unable to keep up with these technological improvements of electronic banking are faced with the danger of not being able to compete.In other words,electronic banking reshaped the competitive environment by increasing convenience of meeting customer needs and wants in terms of time and location.Therefore,electronic banking became the key of gaining competitive edge in banking sector.An important part of electronic banking is the credit card.A credit card is used instead of paper money and is a contemporary tool for paying bills.As the credit card services currently fo?cus on customers,determining the effective factors on credit card ownership and usage is crucial for marketing purposes.According to this,the subject of this experimental study is to determine the factors of how to become a credit card owner and the effective user of the credit cards in the capital city Nicosia in Northern Cyprus.As the summary of research obtained via factor analysis,2 out of 5 factors were found to be effective on owning/using credit card.
