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I Statements for measuring association between supplementary services and functional risk 1. Separate charges for some extra facilities are worth their value like petrol and railway ticket purchases. 2. Additional benefi ts help in meeting all my fi nancial needs. 3. Additional benefi ts are appropriately designed to meet fi nancial requirements. 4. Additional facilities with a credit card meet my expectations. 5. I would prefer to have added benefi ts with my credit card. 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 345 6. * Additional facilities with a credit card increase its usage value. 7. * Buying airline / railway tickets by using a credit card at special counters save time. 8. * Through an add-on card other family members can also use the credit card. 9. * I do not face the problem of inadequate cash because of ATM access, cash advance and cash withdrawal facilities with my credit card. 10. * ATM access, cash advance and cash withdrawal and other facilities help to meet my fi nancial requirements effectively. * These statements were judged to be of high value by the experts and considered as major components of the construct towards association of functional risk and supplementary services. II Statements for measuring association between supplementary services and psychological risk 1. Protection against loss or damage from fi re for items purchased through credit card provides me with a sense of security. 2. People give recognition and attention, if purchases are made through credit card. 3. I feel proud while making purchases through credit cards. 4. It is easy to make a purchase decision on the basis of additional benefi ts. 5. I feel delighted to have extra benefi ts with my credit card. 6. * * I feel good about my decision to have additional facilities with my credit card. 7. * * I feel myself in safe hands due to zero / limited lost card liability. 8. * * I prefer to have recognition and attention, if purchases are made through credit card. 9. * * Additional facilities like ATM access, cash withdrawal, etc with credit card provides me with a sense of security. 10. * * My family members are not dependent on me to use credit card due to add-on card availability. * * These statements were judged to be of high value by the experts and considered as major components of the construct towards association of psychological risk and supplementary services. |
