The study focuses on the perception of card holders towards credit cards. The study was designed to gain a better understanding of the factors influencing 24 possession of credit cards and card holders’ satisfaction. The study also analyses the extent of utilization of credit cards by card holders and the level of awareness of bank customers not having credit cards about such cards.
A credit card is a small plastic card issued to users as a system of payment. It allows its holder to buy goods and services based on the holder's promise to pay for these goods and services. The issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.
In 1858, the then Finance Minister of the Governor General’s Council realized the need of a national bank. With this, the Government was found evincing interest in the development of the organized banking system in the Indian economy. Accordingly, the State Bank of India was set up for extending credit facilities to hitherto neglected areas of the country. However, the needs and requirements, hopes and aspirations of the masses remained neglected till the dawn of independence in 1947.
With the attainment of independence, the contours of development underwent radical changes. The Constitution of India assigned an overriding priority to social welfare and equating regional imbalance. The policy makers realized that the establishment of small affluent islands around the vast sea of backwardness was not the real purpose of promoting the financial institutions. The beginning of the planned concept of development way back in 1951 opened new vistas for the development of banking sector. The policy makers felt that the banking sector was not contributing substantially to the development and welfare of Indian society due mainly to the fact that they were working under the private sector with the sole motto of making profits. This engineered a strong foundation for the nationalization of commercial banks.
Inhaltsverzeichnis (Table of Contents)
- Introduction and Design of the Study
- Review of Previous Studies
- Growth of Credit Card Industry in India
- Bank Customers' Awareness about Credit Cards
- Influence of Demographic and Banking Related Profile on Possession of Credit Cards
- Eligible Credit Limits and Actual Credit Limits availed by Credit Card Holders
- Extent of Usage of Credit Cards by Card Holders and Attitude of Card Holders towards Credit Cards
- Card Holders' Satisfaction towards Credit Cards
- Card holders' Perception and Experience regarding the role of Core and Supplementary Service on Credit Cards
- Summary of Results and Findings, Suggestions and Conclusion
Zielsetzung und Themenschwerpunkte (Objectives and Key Themes)
This thesis examines the perception and awareness of credit cards among bank customers in Krishnagiri District. It aims to understand the factors influencing credit card possession, usage, and satisfaction among customers, and to assess the impact of core and supplementary services on their overall experience.
- Factors influencing credit card possession among bank customers
- Customer awareness and understanding of credit card features and terms
- Usage patterns and spending habits of credit card holders
- Customer satisfaction with credit card services and benefits
- Impact of core and supplementary services on customer perception and experience
Zusammenfassung der Kapitel (Chapter Summaries)
- Introduction and Design of the Study: This chapter introduces the research problem, defines the objectives of the study, outlines the research methodology and data collection techniques, and discusses the limitations of the study.
- Review of Previous Studies: This chapter presents a comprehensive review of existing literature on credit card usage, customer perception, and awareness in India. It discusses key findings from previous studies and identifies areas for further research.
- Growth of Credit Card Industry in India: This chapter explores the evolution of the credit card industry in India, highlighting key trends, growth patterns, and regulatory frameworks.
- Bank Customers' Awareness about Credit Cards: This chapter examines the level of awareness among bank customers regarding credit card features, benefits, and risks. It assesses customer understanding of credit card terms and conditions, and explores factors influencing their decision to use credit cards.
- Influence of Demographic and Banking Related Profile on Possession of Credit Cards: This chapter investigates the relationship between demographic and banking-related factors and the likelihood of owning a credit card. It analyzes the influence of income, age, gender, education, and other factors on credit card possession.
- Eligible Credit Limits and Actual Credit Limits availed by Credit Card Holders: This chapter examines the relationship between eligible credit limits offered to cardholders and the actual credit limits they utilize. It explores factors influencing the credit limit utilization patterns.
- Extent of Usage of Credit Cards by Card Holders and Attitude of Card Holders towards Credit Cards: This chapter investigates the frequency and purpose of credit card usage among cardholders, exploring their spending habits, payment patterns, and overall attitude towards credit cards.
- Card Holders' Satisfaction towards Credit Cards: This chapter assesses customer satisfaction with various aspects of credit card services, including customer support, transaction processing, and rewards programs. It explores factors influencing customer satisfaction and identifies areas for improvement.
- Card holders' Perception and Experience regarding the role of Core and Supplementary Service on Credit Cards: This chapter examines customer perception and experience regarding the role of core and supplementary services offered by credit card providers. It assesses the impact of these services on customer satisfaction and overall experience.
Schlüsselwörter (Keywords)
This thesis focuses on the study of credit card perception and awareness among bank customers in Krishnagiri District, exploring key themes such as customer behavior, usage patterns, satisfaction, and the impact of core and supplementary services. The research delves into the influence of demographic and banking-related factors on credit card possession, and examines the relationship between eligible and actual credit limits.
- Citation du texte
- R. Mohan (Auteur), 2017, A Study on Perception and Awareness on Credit Cards among Bank Customers in Krishnagiri District, Munich, GRIN Verlag, https://www.grin.com/document/1361419
