A RESEARCH OF RELATIONSHIP BETWEEN THE WILLINGNESS TO APPLY FOR CASH CARD AND CONSUMER CONSIDERATION FACTORS

• Main Authors: Chin-Hsiang Lin, 林進祥
• Other Authors: Hsien-Che Lee
• Format: Others
• Language: en_US
• Published: 2003
• Online Access: http://ndltd.ncl.edu.tw/handle/57137646048725255041

碩士 === 大同大學 === 事業經營研究所碩士在職專班 === 91 === A RESEARCH OF RELATIONSHIP BETWEEN THE WILLINGNESS TO APPLY FOR CASH CARD AND CONSUMER CONSIDERATION FACTORS IN TAIPEI AREA Student: Chin-Hsiang Lin Advisor: Prof. Hsien-Che Lee Department of Business Management, Tatung University, 2003 ABSTRACT It would be a necessary topic that every consumer should take into consideration of how to select the appropriate financial commodities from so many banks with various kinds of cash cards in the multifarious techniques of sales. This research, with a questionnaire on consumers, extracts five factors by analysis of factors: complexity of services, flexibility of loan, price, promotion, as well as pay back ability. In addition, we use regression analysis, analysis of variance( ANOVA), within/between subjects to study the impact of the five factors on loan of willingness from consumers and the demographic influence and discover the results as follows: 1.Consumer’s willingness for loan presents a positive relationship with flexibility of loan and promotion respectively. Flexibility of loan places first important, and promotion next, while complexity of services shows negative relation. It means that the more flexibility of loan to the consumer, the more loan from the bank; the more promotion, the more loan from the bank. In addition, the nature of cash card is for a need in urgency. Age of cash card loaners ranging in 20~40, the bank should simplify both of procedure of loan application and contents of financial commodities to enhance the willingness of loan. 2.Gender with respect to complexity of services comes to be significant, but non- significant for others factors. 3.Age with respect to promotion comes to be significant (for the age of both within 20~30 and 41~50, the age of both within 20~30 and above 60, the age of both within 31~40 and above 60), but others does not. 4.Education Level with respect to all factors shows no significance. 5.Occupation with respect to pay back ability comes to be significant, but non- significant for others factors. However, after repeatedly comparison within the groups, they are significant to pay back ability as follows: Soldier/governors/Teachers to others; Managers to others; employees to others. 6. Monthly income level with respect to all factors shows no significance. 7. Marital status with respect to promotion comes to be significant, but non-significant for others factors. However, after repeatedly comparison within the groups, they are significant to promotion as follows: married but no child, with one child, and with two children or more. A RESEARCH OF RELATIONSHIP BETWEEN THE WILLINGNESS TO APPLY FOR CASH CARD AND CONSUMER CONSIDERATION FACTORS IN TAIPEI AREA Student: Chin-Hsiang Lin Advisor: Prof. Hsien-Che Lee Department of Business Management, Tatung University, 2003 ABSTRACT It would be a necessary topic that every consumer should take into consideration of how to select the appropriate financial commodities from so many banks with various kinds of cash cards in the multifarious techniques of sales. This research, with a questionnaire on consumers, extracts five factors by analysis of factors: complexity of services, flexibility of loan, price, promotion, as well as pay back ability. In addition, we use regression analysis, analysis of variance( ANOVA), within/between subjects to study the impact of the five factors on loan of willingness from consumers and the demographic influence and discover the results as follows: 1.Consumer’s willingness for loan presents a positive relationship with flexibility of loan and promotion respectively. Flexibility of loan places first important, and promotion next, while complexity of services shows negative relation. It means that the more flexibility of loan to the consumer, the more loan from the bank; the more promotion, the more loan from the bank. In addition, the nature of cash card is for a need in urgency. Age of cash card loaners ranging in 20~40, the bank should simplify both of procedure of loan application and contents of financial commodities to enhance the willingness of loan. 2.Gender with respect to complexity of services comes to be significant, but non- significant for others factors. 3.Age with respect to promotion comes to be significant (for the age of both within 20~30 and 41~50, the age of both within 20~30 and above 60, the age of both within 31~40 and above 60), but others does not. 4.Education Level with respect to all factors shows no significance. 5.Occupation with respect to pay back ability comes to be significant, but non- significant for others factors. However, after repeatedly comparison within the groups, they are significant to pay back ability as follows: Soldier/governors/Teachers to others; Managers to others; employees to others. 6. Monthly income level with respect to all factors shows no significance. 7. Marital status with respect to promotion comes to be significant, but non-significant for others factors. However, after repeatedly comparison within the groups, they are significant to promotion as follows: married but no child, with one child, and with two children or more. A RESEARCH OF RELATIONSHIP BETWEEN THE WILLINGNESS TO APPLY FOR CASH CARD AND CONSUMER CONSIDERATION FACTORS IN TAIPEI AREA Student: Chin-Hsiang Lin Advisor: Prof. Hsien-Che Lee Department of Business Management, Tatung University, 2003 ABSTRACT It would be a necessary topic that every consumer should take into consideration of how to select the appropriate financial commodities from so many banks with various kinds of cash cards in the multifarious techniques of sales. This research, with a questionnaire on consumers, extracts five factors by analysis of factors: complexity of services, flexibility of loan, price, promotion, as well as pay back ability. In addition, we use regression analysis, analysis of variance( ANOVA), within/between subjects to study the impact of the five factors on loan of willingness from consumers and the demographic influence and discover the results as follows: 1.Consumer’s willingness for loan presents a positive relationship with flexibility of loan and promotion respectively. Flexibility of loan places first important, and promotion next, while complexity of services shows negative relation. It means that the more flexibility of loan to the consumer, the more loan from the bank; the more promotion, the more loan from the bank. In addition, the nature of cash card is for a need in urgency. Age of cash card loaners ranging in 20~40, the bank should simplify both of procedure of loan application and contents of financial commodities to enhance the willingness of loan. 2.Gender with respect to complexity of services comes to be significant, but non- significant for others factors. 3.Age with respect to promotion comes to be significant (for the age of both within 20~30 and 41~50, the age of both within 20~30 and above 60, the age of both within 31~40 and above 60), but others does not. 4.Education Level with respect to all factors shows no significance. 5.Occupation with respect to pay back ability comes to be significant, but non- significant for others factors. However, after repeatedly comparison within the groups, they are significant to pay back ability as follows: Soldier/governors/Teachers to others; Managers to others; employees to others. 6. Monthly income level with respect to all factors shows no significance. 7. Marital status with respect to promotion comes to be significant, but non-significant for others factors. However, after repeatedly comparison within the groups, they are significant to promotion as follows: married but no child, with one child, and with two children or more. A RESEARCH OF RELATIONSHIP BETWEEN THE WILLINGNESS TO APPLY FOR CASH CARD AND CONSUMER CONSIDERATION FACTORS IN TAIPEI AREA Student: Chin-Hsiang Lin Advisor: Prof. Hsien-Che Lee Department of Business Management, Tatung University, 2003 ABSTRACT It would be a necessary topic that every consumer should take into consideration of how to select the appropriate financial commodities from so many banks with various kinds of cash cards in the multifarious techniques of sales. This research, with a questionnaire on consumers, extracts five factors by analysis of factors: complexity of services, flexibility of loan, price, promotion, as well as pay back ability. In addition, we use regression analysis, analysis of variance( ANOVA), within/between subjects to study the impact of the five factors on loan of willingness from consumers and the demographic influence and discover the results as follows: 1.Consumer’s willingness for loan presents a positive relationship with flexibility of loan and promotion respectively. Flexibility of loan places first important, and promotion next, while complexity of services shows negative relation. It means that the more flexibility of loan to the consumer, the more loan from the bank; the more promotion, the more loan from the bank. In addition, the nature of cash card is for a need in urgency. Age of cash card loaners ranging in 20~40, the bank should simplify both of procedure of loan application and contents of financial commodities to enhance the willingness of loan. 2.Gender with respect to complexity of services comes to be significant, but non- significant for others factors. 3.Age with respect to promotion comes to be significant (for the age of both within 20~30 and 41~50, the age of both within 20~30 and above 60, the age of both within 31~40 and above 60), but others does not. 4.Education Level with respect to all factors shows no significance. 5.Occupation with respect to pay back ability comes to be significant, but non- significant for others factors. However, after repeatedly comparison within the groups, they are significant to pay back ability as follows: Soldier/governors/Teachers to others; Managers to others; employees to others. 6. Monthly income level with respect to all factors shows no significance. 7. Marital status with respect to promotion comes to be significant, but non-significant for others factors. However, after repeatedly comparison within the groups, they are significant to promotion as follows: married but no child, with one child, and with two children or more. ABSTRACT It would be a necessary topic that every consumer should take into consideration of how to select the appropriate financial commodities from so many banks with various kinds of cash cards in the multifarious techniques of sales. This research, with a questionnaire on consumers, extracts five factors by analysis of factors: complexity of services, flexibility of loan, price, promotion, as well as pay back ability. In addition, we use regression analysis, analysis of variance( ANOVA), within/between subjects to study the impact of the five factors on loan of willingness from consumers and the demographic influence and discover the results as follows: 1.Consumer’s willingness for loan presents a positive relationship with flexibility of loan and promotion respectively. Flexibility of loan places first important, and promotion next, while complexity of services shows negative relation. It means that the more flexibility of loan to the consumer, the more loan from the bank; the more promotion, the more loan from the bank. In addition, the nature of cash card is for a need in urgency. Age of cash card loaners ranging in 20~40, the bank should simplify both of procedure of loan application and contents of financial commodities to enhance the willingness of loan. 2.Gender with respect to complexity of services comes to be significant, but non- significant for others factors. 3.Age with respect to promotion comes to be significant (for the age of both within 20~30 and 41~50, the age of both within 20~30 and above 60, the age of both within 31~40 and above 60), but others does not. 4.Education Level with respect to all factors shows no significance. 5.Occupation with respect to pay back ability comes to be significant, but non- significant for others factors. However, after repeatedly comparison within the groups, they are significant to pay back ability as follows: Soldier/governors/Teachers to others; Managers to others; employees to others. 6. Monthly income level with respect to all factors shows no significance. 7. Marital status with respect to promotion comes to be significant, but non-significant for others factors. However, after repeatedly comparison within the groups, they are significant to promotion as follows: married but no child, with one child, and with two children or more.