Online Purchase Habit Using Credit Card in Malaysia

Credit card lending in Asia has been developing since the 1997 Asian financial crisis. During economy downturns, consumers' confidence will be lesser in terms of spending money. However, Clemence (2009) explained that hard economic condition makes consumers much smarter when it comes to purchasing using credit card. The question is how habit of using credit card (online usage), influences purchasing behavior which leads the customer to continue the usage of credit card in purchases. In order to study the influence of Habit on Online Continuance Usage of credit card a survey using validated questionnaire and interview is applied to gather information. According to the correct proportion, questionnaire is distributed to 250 workers who are randomly selected from Selangor-based white-collar workers (totaling 2500 workers) in small & medium size enterprises located in Klang Valley, Cyberjaya (credit card experienced users). Frequency distribution for the demographic data of the respondents, one-way ANOVA for investigating the relationship between variables and finally the correlation are used to show the relationship between habit and purchase behaviour. Descriptive study is applied to identify habitual pattern of using credit card which might lead to continuance usage of it in online purchases. Through the interview with respondents, this study has also explored some information about different items purchased online by using credit cards. The formative items measuring online credit card usage are taken from Davis (1986) and Limayen et al. (2007) and in order to measure habit items are taken from Ouellette and Wood (1998), Verplanken & Orebell (2003).