小企业管理,神圣的亡灵法师,吃酸奶的好处
supplementary services in managing functional risk with credit cards S. No. Statements Age (in years) N Meanhttp://www.szdhsjt.com/liuxuezuoyedaixie/xinxilanzuoye/ rank* Chi-square d.f. Signifi cance F1 ATM access, cash advance and cash withdrawal facilities help to meet my fi nancial requirements effectively. 18 – 24 25 – 34 35 – 44 45 – 54 55+ Total 239 200 115 116 50 720 425.39 309.94 316.72 386.69 292.51 54.259 4 0.000* F2 I do not face the problem of inadequate cash because of ATM access, cash advance, and cash withdrawal facilities with my credit card. 18 – 24 25 – 34 35 – 44 45 – 54 55+ Total 239 200 115 116 50 720 387.95 353.20 295.36 378.72 366.06 19.497 4 0.001* F3 Through an add-on card other family members can also use the credit card. 18 – 24 25 – 34 35 – 44 45 – 54 55+ Total 239 200 115 116 50 720 351.56 343.94 364.55 413.09 338.16 12.636 4 0.013* F4 Buying airline/railway tickets by using credit card at special counters save time. 18 – 24 25 – 34 35 – 44 45 – 54 55+ Total 239 200 115 116 50 720 348.78 371.08 403.66 316.63 376.72 13.196 4 0.010* F5 Additional facilities with credit card increase its usage value. 18 – 24 25 – 34 35 – 44 45 – 54 55+ Total 239 200 115 116 50 720 370.32 357.66 344.25 367.80 345.37 1.949 4 0.745 *Mean Rank difference is signifi cant at the 0.05 level Goyal 340 Journal of Financial Services Marketing Vol. 12, 4 331–345 © 2008 Palgrave Macmillan Ltd 1363-0539 $30.00 utility by the age group 35 – 44 years, followed by the age group 55 + years. The chi-square value for statement F5 is not signifi cant ( p >0.05). As per the statement F5, however, the result shows that all age group respondents see the functional value of supplementary services with credit cards as they have near equal preference for the additional facilities. Thus, results infer that different age categories have preference for different supplementary services to fulfi l their functional needs from credit cards. Perception of consumers, on the basis of |
