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Chi-square test Responses on fi ve-point scale (%) Chisquare* d.f. Signifi cance Strongly agree Agree Undecided Disagree Strongly disagree P1 My family members are not dependent on me to use credit card due to add-on card availability. 3.95 823.097 4 0.000 23.1 60.4 7.1 6.9 2.5 P2 Additional facilities like ATM access, cash withdrawal etc. with credit card provides me a sense of security. 3.64 384.389 4 0.000 17.6 46.3 22.5 9.9 3.8 P3 I prefer to have recognition and attention, if purchases are made through credit card. 2.79 198.167 4 0.000 17.5 16.8 9.3 40.1 16.3 P4 I feel myself in safe hands due to zero/limited lost card liability. 4.10 402.244 3 0.000 32.1 52.4 9.3 6.3 — P5 I feel good about my decision to have additional facilities with my credit card. 4.09 518.033 3 0.000 28.8 58.2 6.9 6.1 — Average of percentages 23.82 46.82 11.02 13.86 4.52 *Chi-square value is signifi cant at the 0.05 level * * Total respondents=720 Managing perceived risk for credit card purchase © 2008 Palgrave Macmillan Ltd 1363-0539 $30.00 Vol. 12, 4 331–345 Journal of Financial Services Marketing 339 of near and dear ones. The least preference is for statement P3 (mean 2.97), which indicates that people do not use credit cards to gain attention and to show their status. An analysis of the responses suggests that supplementary services are able to handle psychological risk with credit card holders. The chi-square values are also signifi cant for all the statements ( p < 0.05). This infers that there are signifi cant differences in the frequency of perceptions towards the statements indicating the psychological utility of supplementary services with credit cards. Objective 2 The perception of consumers, according to their age groups, towards the role of supplementary services for controlling the functional risk perceived to be associated with credit cards is evaluated through the analysis of Table 3 with the Kruskal – Wallis one-way analysis of variance test. The chisquare values show that there are signifi cant differences in perception ( p < 0.05) among respondents belonging to different age categories. The age group of 18 – 24 years sees more utility for ATM access, cash withdrawal facilities (mean rank 425.39 for statement F1 and 387.95 for statement F2), followed by the age group of 45 – 54 years (mean rank 386.69 for statement F1 and 378.72 for statement F2). The age group of 45 – 54 years gives more utility to add-on cards, followed by the 35 – 44 age group. Buying airline / railway tickets are found to be of maximum Table 3 Kruskal – Wallis one-way analysis of variance for differences among age categories towards perception of |
