Credit Card Spending Behavior Among Malaysians

What is it about?

This paper explores factors affecting spending behavior of credit card holders in Malaysia. Specifically, variables such as demographic factors, banks’ policies, and credit card holders’ attitudes toward money are examined.

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Why is it important?

The results could be used as a guide by emerging market economies or even developed countries where credit card usage is a widespread phenomenon. It also provides insights to the credit card issuing banks in terms of understanding their target consumers, preferences, and the effect of their policies on credit card application and use.