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55+ Total 239 200 115 116 50 720 400.47 352.09 256.02 389.82 375.40 52.317 4 0.000* *Mean Rank difference is signifi cant at the 0.05 level 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 341 Table 5 Mann – Whitney U -Test for differences among gender categories towards perception of supplementary services in managing functional risk with credit cards S. No. Statements Gender category N Mean rank* U Z Signifi cance F1 ATM access, cash advance and cash withdrawal and other facilities help to meet my fi nancial requirements effectively. Male Female Total 360 360 720 337.00 384.00 56341.50 − 3.245 0.001* F2 I do not face the problem of inadequate cash because of ATM access, cash advance and cash withdrawal facilities with my credit card. Male Female Total 360 360 720 338.14 382.86 56751.00 − 3.125 0.002* F3 Through an add-on card other family members can also use the credit card. Male Female Total 360 360 720 369.05 351.95 61723.00 − 1.255 0.209 F4 Buying airline/railway tickets by using credit card at special counters saves time. Malehttp://www.szdhsjt.com/liuxuezuoyedaixie/xinxilanzuoye/ Female Total 360 360 720 359.87 361.13 64572.50 − 0.087 0.931 F5 Additional facilities with credit card increase its usage value. Male Female Total 360 360 720 344.23 376.77 58943.00 − 2.261 0.024* *Mean Rank difference is signifi cant at the 0.05 level Table 6 Mann – Whitney U -test for differences among gender categories towards perception of supplementary services in managing psychological risk with credit cards S. No. Statements Gender category N Mean rank* U Z Signifi cance P1 My family members are not dependent on me to use credit card due to add-on card availability. Male Female Total 360 360 720 367.31 353.69 62348.00 − 1.004 0.316 P2 Additional facilities like ATM access, cash withdrawal, etc. with a credit card provides me a sense of security. Male Female Total 360 360 720 397.47 323.53 51491.00 − 5.075 |
