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by the experts in the related fi eld of study (viz., service providers, academicians) and the stated objectives of the study, the construct was not based on the perceived adverse consequences of the attributes but rather on ascertaining whether the attributes (supplementary services with credit cards) help in eliminating the perceived risk. Two constructs of ten statements each were developed ( Appendix A ): one for measuring association between supplementary services and functional risk and the other for measuring the association between supplementary services and psychological risk. These two constructs were put to experts ’ evaluation and after consolidating the experts ’ advice, fi ve statements were identifi ed under each construct for fi nal collection of data. In the absence of any pre-developed validated scales, experts ’ opinions were identifi ed as a reliable method to achieve an evaluation. Consumer perception is recorded using a fi ve-point scale. ANALYSIS Objective 1 Table 1 reveals that on average a signifi cant number of respondents, that is, 79.26 per cent agree (32.94 per cent strongly agree and 46.32 per cent agree) with the idea that supplementary services provide operational value. In other words, consumers perceive functional viability of the additional benefi ts with the card. Only 11.7 per cent of respondents disagree and a very small percentage of respondents, that is, 1.82 per cent strongly disagree with the supporting nature of supplementary services towards the functional aspect of credit cards. Individual analysis of statements gives the clear understanding that respondents have perceived the maximum functional utility of those supplementary service features that are associated with providing fi nancial benefi ts. Importance has been given to ATM access, cash advance and cash withdrawal facility Table 1 Consumer perception regarding supplementary services in managing functional risk with credit cards S.N. Statements Response mean Chi-square test Responses on fi ve-point scale (%) Chisquare* d.f. Signifi cance Strongly agree Agree Undecided Disagree Strongly disagree F1 ATM access, cash advance, and cash withdrawal and other facilities help to meet my fi nancial requirements effectively. 4.04 474.847 4 0.000 42.5 36.5 6.4 11.3 3.3 F2 I do not face the problem of inadequate cash because of ATM access, cash advance, and cash withdrawal facilities with my credit card. 3.92 534.958 4 0.000 28.9 49.6 8.8 10.6 2.2 F3 Through add-on card other family members can also use the credit card. 3.98 821.569 4 0.000 24.4 59.7 6.4 8.8 0.7 F4 Buying airline/railway tickets by using credit card at |
