1,907,048 research outputs found
THE ANALYSIS OF THE CORRELATION BETWEEN THE LEVEL OF THE BANK FEES FOR CARDS AND THE NUMBER OF ACTIVE CARDS, CONDUCTED WITH THE HELP OF THE „PEARSON†COEFFICIENT
No full textThe evolution of human society in all areas, and especially the economic field,required the banking offer to adapt to new requirements, which called for the modernization andthe development of the services provided by the bank to its customers, but also becoming close tothem. The goal we set with this article is to examine in terms of methodology the correlation between thenumber of active cards and the fees level with PEARSON coefficient. It is study the level of feespracticed by Raiffeisen Bank is/ is not greatly influenced (depend or doesn’t depend) by the numberof active cards, meaning there are other factors influencing the fees levels.transactions, active cards, cards, Pearson coefficient.
Vulnerabilities in first-generation RFID-enabled credit cards
No full textCredit cards ; Radio frequency identification systems
Payment instrument choice: the case of prepaid cards
No full textThe costs and benefits to payment system participants can differ depending on which payment mechanism is used. The authors specifically explore the costs and benefits of prepaid card applications versus other payment instruments, such as cash, checks, and debit cards, for certain payment segments, including gift, payroll, and employer-initiated and government benefit programs.Payment systems
A Reinvestigation of Racial Discrimination and Baseball Cards
No full textThis article presents a reexamination and extension of Nardinelli and Simon's (NS) work on the racial discrimination in the market for the Topps 1970 series of baseball cards. This article compares the descriptive statistics and regression results NS reported using data as of the end of the 1988 season with results for the same variables and similar data sources. The greatest challenge raised by this study was obtaining card prices, especially for the earliest years. Until the 1970s there was no secondary market for baseball cards, other than an informal barter market. It is not obvious why evidence supporting customer racial discrimination is concentrated in the 1984-1991 period. The pool of card collectors in 2001 is not the same as in 1979 or 1984. Discrimination among younger collectors may be less common than among older card buyers, perhaps because baseball fans have become accustomed to watching players of all races. But even if this were true it is not clear why younger collectors would have a special interest in players long retired.
MARKET POWER AND WILLINGNESS TO PAY IN NETWORK INDUSTRIES: EVIDENCE FROM PAYMENT CARDS WITHIN MULTIPRODUCT BANKING
No full textTheoretical contributions on network industries have been numerous. However, there is a lack of sufficient empirical evidence which would assist related policymaking. This is the case of payment cards markets. This paper employs a unique database to analyze changes in market power and consumers' willingness to pay resulting from the introduction of payment cards in a multiproduct banking technology. Our findings indicate that any rise in bank market power from payment cards is associated to a greater increase in consumers' willingness to pay. Any antitrust intervention which does not take into account such welfare effects could be misguided.Card payments, bank market power, willingness to pay, multiproduct technology, network industries.
AN ANALYSIS OF ATTITUDES TO ISLAMIC AND CONVENTIONAL CREDIT CARDS IN MALAYSIA: PERSPECTIVES ON SELECTION CRITERIA AND IMPACT ANALYSIS
No full textThe development of everyday financial instruments is an important dimension of modern life, and credit cards are considered to be the main instruments and facilitators of spending in modern economies. Together with the Internet, which facilitates the spending process, credit cards have become essential instruments of spending. In response to this, and due to the expansion of Islamic banking and finance, the Islamic equivalent of credit cards (Islamic credit cards or ICCs) have been engineered with their own sophisticated financing methods alongside conventional credit cards (CCCs). Malaysia is one of the pioneering countries in Islamic finance and has developed a number of ICC products.
This study aims to analyse the two main aspects of credit cards, namely, the selection criteria and the impact of credit cards in Malaysia in general, as well as the difference between ICCs and CCCs in particular. The selection criteria are investigated in terms of various factors, including those that explain the first motivation for credit card holding, selection factors influenced by the credit cards’ embedded features, the difference between the satisfaction and the loyalty level of CCC holders as compared to ICC holders, the customers’ perceptions of ICCs, an investigation into whether ICCs are perceived as being inferior to CCCs, religious commitments of ICC holders as opposed to CCC holders, and how the socio-demographic characteristics may have deterministic power over the holding of ICCs and CCCs. The impact of credit cards is investigated through their usage as well as the perceptions of the credit card holders.
In conducting the research, this study assembled primary data from Malaysia through a questionnaire survey with 507 participants. In addition, interviews with financiers or bankers, Shari’ah scholars, economists, and cardholders were conducted to verify the results that were established through a quantitative data analysis of the questionnaire.
The findings of this study, inter alia, indicate that Malaysian cardholders are found as perceiving credit card selection factors not much differently than individuals in other nations. ‘Protection’ and ‘convenience’ appear to be on the top of the selection list, while ‘reputation’ is in the lowest rank. Furthermore, in investigating the selection attributes, ICC holders were found to value religious factors more highly than in comparison with CCC holders. It was also revealed that ICC holders were less satisfied with having a credit card but they were more loyal than CCC holders. Interestingly, the results also revealed that ICC holders perceived ICCs to be more Islamic than CCC holders, although, in an overall evaluation, ICCs were perceived as inferior to CCCs by ICC holders. It should be noted that the religious commitments among the ICC holders were also higher than those of the CCC holders. Furthermore, the ‘ethnicity’ and ‘religion’ of the socio-demographic variables appear to be significantly related to the holding type. Therefore, the results reveal that religious factors are more influential in the selection process of the ICC holders as compared to CCC holders.
In terms of determining the impact of credit cards, the study indicates five determining factors for Malaysian revolving credit cardholders, namely, ‘education’, ‘income’, ‘credit behaviour’, ‘car loan’, and ‘number of credit cards held’. A further analysis to determine the impact between sixteen usage and perception variables with holding type indicates that ICC holders suffer a less negative impact for the use of credit cards in comparison with CCC holders. There is also a higher agreement among respondents in believing that credit card companies use aggressive strategies and misleading advertisements. Importantly, the results also indicate that there is, in reality, no obvious difference between ICC and CCC issuers in marketing their credit cards. It should also be noted that the respondents indicate rationality in their thinking, as the majority admit that widespread credit card debt is due to their self-attitude.
This study is useful for various parties, including customers, to examine how credit cards can create financial difficulty. It will also aid financial issuers in understanding the attitudes and perceptions of cardholders, hence, allowing a better strategy in structuring their credit cards. Policy makers, on the other hand, will be able to use it as a guide in implementing policies to curb credit card debt from proliferating
Economics of payment cards: a status report
No full textThis article surveys the recent theoretical literature on payment cards (focusing on debit and credit cards) and studies this research's possible implications for the current public policy debate over payment card networks and the pricing of their services for both consumers and merchants.Payment systems ; Credit cards
Survival in a Declining Industry: The Case of Baseball Cards
No full textThe baseball card industry provides a case study of survival in a declining industry. The case study shows how manufacturers have varied their strategic behavior in response to changes that have occurred within the industry in the last 20 years. This is in stark contrast to most of the existing theoretical literature on behavior in declining industries, which assumes that behavior remains constant throughout the decline phase of an industry.Declining industry, case study, baseball cards
Kaska Cards Language Flashcards : Colours Deck
No full textIndividual audio recordings of Kaska words for various colours. Created as part of Kaska Cards, a language flashcard app developed by the Liard First Nation Language Department with the financial support from the Department of Canadian Heritage.Non UBCUnreviewedOthe
Do Bad Report Cards Have Consequences? Impacts of Publicly Reported Provider Quality Information on the CABG Market in Pennsylvania
No full textSince 1992, the Pennsylvania Health Care Cost Containment Council (PHC4) has published cardiac care report cards for coronary artery bypass graft (CABG) surgery providers. We examine the impact of CABG report cards on a provider's aggregate volume and volume by patient severity and then employ a mixed logit model to investigate the matching between patients and providers. We find a reduction in volume of poor performing and unrated surgeons' volume but no effect on more highly rated surgeons or hospitals of any rating. We also find that the probability that patients, regardless of severity of illness, receive CABG surgery from low-performing surgeons is significantly lower.
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