Title: Analysis of the factors affecting credit card use and online shopping attitudes of households in Turkey with the bivariate probit model

Authors: Kübranur Çebi Karaaslan

Addresses: Faculty of Economics and Administrative Sciences, Erzurum Technical University, 25050 Yakutiye/Erzurum, Turkey

Abstract: This study investigated the factors that affect households' credit card usage and online shopping attitudes. The dataset of the study was provided by the Turkey Statistical Institute. The bivariate probit regression model was used in the work. As a result, it was determined that demographic, economic and environmental factors have significant effects on credit card use and online shopping attitudes. Knowing the characteristics of credit card and internet shopping users in light of the results, helps banks and shopping sites to determine advertising strategies. It will enable policy makers to raise awareness and protect the consumer and to implement them to stimulate the economy.

Keywords: e-commerce; credit card use; consumer behaviour; shopping experience; bivariate probit model; survey data; household budget survey; Turkey.

DOI: 10.1504/IJEF.2022.124478

International Journal of Electronic Finance, 2022 Vol.11 No.3, pp.189 - 201

Received: 31 Aug 2021
Accepted: 15 Dec 2021

Published online: 27 Jul 2022 *

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