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their age groups, towards the role of supplementary services for handling the psychological risk perceived to be associated with credit card services is analysed with the help of Table 4 with the Kruskal – Wallishttp://www.szdhsjt.com/liuxuezuoyedaixie/xinxilanzuoye/ one-way analysis of variance test. Examination of the chi-square value indicates that the age groups differ signifi cantly ( p < 0.05) in their perception towards statements P2, P3 and P5. For statements P2 and P3, the 55 + year age group perceives more psychological value, followed by the age group 35 – 44 years and 25 – 34 years, respectively. For statement P5, the age group 18 – 24 years prefers additional benefi ts with credit cards, followed by the age group 45 – 54 years. It can be inferred that respondents in the age group of 55 + years show a more Table 4 Kruskal – Wallis one-way analysis of variance for differences among age categories towards perception of supplementary services in managing psychological risk with credit cards S. No. Statements Age (in years) N Mean rank* Chi-square d.f. Signifi cance P1 My family members are not dependent on me to use credit card due to add-on card availability. 18 – 24 25 – 34 35 – 44 45 – 54 55+ Total 239 200 115 116 50 720 342.19 370.92 382.46 357.48 362.89 4.784 4 0.310 P2 Additional facilities like ATM access, cash withdrawal, etc. with credit card provides me with a sense of security. 18 – 24 25 – 34 35 – 44 45 – 54 55+ Total 239 200 115 116 50 720 331.22 358.72 382.14 358.56 462.28 20.356 4 0.000* P3 I prefer to have recognition and attention, if purchases are made through credit card. 18 – 24 25 – 34 35 – 44 45 – 54 55+ Total 239 200 115 116 50 720 346.19 394.14 362.78 293.90 443.63 28.539 4 0.000* P4 I feel myself in safe hands due to zero/limited lost card liability. 18 – 24 25 – 34 35 – 44 45 – 54 55+ Total 239 200 115 116 50 720 372.92 356.03 367.12 331.55 370.96 4.176 4 0.383 P5 I feel good about my decision to have additional facilities with my credit card. 18 – 24 25 – 34 35 – 44 45 – 54 |
