CUSTOMERS’ BEHAVIOR INVOLVING CREDIT CARD USAGE AND PAYMENTS IN BANGKOK AREA

Abstract

This research aimed to study consumers’ behaviors including relationships between individual and economic factors that affect both credit card usage and payments of Bangkok consumers. The samples used in this study are 400 Bangkok consumers who use credit cards to make payments for goods and services. The instruments used to collect data were both open-ended and close-ended questionnaires (standard deviation: 0.430–1.608). The descriptive statistics were used and presented in the form of frequency distribution and percentage to analyze consumers’ behaviors of credit card usage and payments. Chi-square test was conducted to test the relationship hypothesis. Nominal and ordinal dependent variables were used to find the relationships. The result shows that gender, age, status, occupation, educational levels, monthly income, average monthly expenses, loan expenses, and monthly credit card payments had an influence on consumers’ behaviors in credit card usage and payments with significant level of 0.05