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special counters save time. 3.94 432.694 4 0.000 36.8 38.9 6.5 17.1 0.7 F5 Additional facilities with credit card increase its usage value. 3.96 510.236 4 0.000 32.1 46.9 8.1 10.7 2.2 Average of percentages 32.94 46.32 7.24 11.7 1.82 *Chi-square value is signifi cant at the 0.05 level * * Total respondents=720 Goyal 338 Journal of Financial Services Marketing Vol. 12, 4 331–345 © 2008 Palgrave Macmillan Ltd 1363-0539 $30.00 (F1 — mean 4.04), add-on card features (F3 — mean 3.98), as these features meet the fi nancial requirement. Next in the order comes the facility of card acceptance at railway / airlines ticket counters (F4 — mean 3.94). Further, chi-square values are signifi cant for all the statements ( p < 0.05). Thus, it can be inferred that there are signifi cant differences in the frequency of perceptions towards the statements indicating the functional utility of supplementary services available with credit cards. The examination of responses, as stated above, also reveals that supplementary services play a signifi cant role in controlling the functional risk via performing the functional capability of credit cards. The results show that people largely agree with the statements. On average, Table 2 shows that 46.82 per cent of respondents agree and 23.82 per cent strongly agree that supplementary services with credit cards help them to take care of psychological risk. In other words, supplementary services with credit cards give them satisfaction in making the right purchase decision. Only 4.52 per cent of respondents strongly disagree with the belief and 13.86 per cent responses are in disagreement. The remaining 11.02 per cent respondents gave no decisive view. A closer look at the responses for statement P5 (mean 4. 090) indicates that respondents have a high positive perception towards making a credit card purchase decision with additional facilities, which shows that respondents feel satisfaction by keeping additional facilities as the basis for making purchase decisions for credit cards. 84.5 per cent of responses show agreement with statement P4 (mean 4.10) that zero / limited lost card liability as a supplementary feature gives a sense of security to the consumer. There is also a high perception for statement P1 (83.5 per cent and mean 3.95), which reveals that consumers feel good as the add-on card facility gives independence to family members to make purchases as and when required and thus helps one to take care Table 2 Consumer perception regarding supplementary services in managing psychological risk with credit cards S. N. Statements Response mean |
