PENGARUH GAYA HIDUP, PERCEIVED BENEFIT, DAN PERCEIVED RISK TERHADAP NIAT MENGGUNAKAN KARTU KREDIT DI INDONESIA

Abstract

Credit card is a non-cash payment instrument that are desirable to the society, this is showned by the increasing number of credit cards used by the society, and the amount of transactions done using credit card in Indonesia. This study aims to explain the influence of lifestyle, perceived benefit, and perceived risk on the intention to use credit card in Indonesia. By using purposive sampling method, a sample of 140 respondents were used in this study. Data was collected through online questionnaires and analysed using multiple linear regression analysis. Study results show that lifestyle and perceived benefit has a positive effect on the intention to use credit card, while perceived risk has a negative effect on the intention to use credit card. Perceived benefit and perceived risk are the strongest factors that influence the intention to use credit card, therefore it is recommended for banks to educate consumers about the benefits and risks of using credit cards through seminars and other educational events. Keywords: lifestyle, perceived benefit, perceived risk, the intention to use

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