Abstract
In the literature on payment behavior, only a few theory-based studies focusing on the use of
payment instruments have been conducted. We apply the theory of planned behavior (TpB) and the
technology acceptance model (TAM) to examine the factors influencing the use of credit cards. To this end,
we use a sample of 300 consumers from the year 2008. The findings confirm the applicability of the TAM
model but reject most of the hypotheses derived from the TpB. From a practical point of view, the results
highlight the importance of past behavior in the context of payments at the stationary point of sale.
payment instruments have been conducted. We apply the theory of planned behavior (TpB) and the
technology acceptance model (TAM) to examine the factors influencing the use of credit cards. To this end,
we use a sample of 300 consumers from the year 2008. The findings confirm the applicability of the TAM
model but reject most of the hypotheses derived from the TpB. From a practical point of view, the results
highlight the importance of past behavior in the context of payments at the stationary point of sale.
| Original language | English |
|---|---|
| Title of host publication | Proceedings of the 6th International Conference on Partial Least Squares and Related Methods |
| Editors | Vinzi, Vincenzo Esposito/Tenenhaus, Michel/Guan, Rong |
| Place of Publication | Beijing, China |
| Publisher | Publishing House of Electronics Industry |
| Pages | 164 - 169 |
| ISBN (Print) | 978-7-121-09342-5 |
| Publication status | Published - 1 Sept 2009 |