Factors influencing credit card spending behaviour among gen Y employees in Zuellig pharma Sdn. Bhd. / Fatin Atasha Md Zaki

The study aims to identify the factors influencing credit card spending behaviour among
Gen Y employees in Zuellig Pharma Sdn. Bhd. The objectives of this study were to identify
the level of credit card spending behaviour, the relationship between independent
variables (benefits given by bank and attitude towards money); and dependent variable
(credit card spending behaviour) and what is the significant predictor variable of credit
card spending behaviour among Gen Y employees in Zuellig Pharma Sdn. Bhd. Moreover,
the study employed survey research design and primary data was collected through
questionnaires with 123 respondents were selected. Eventually, the findings of this
research shows significant relationship between both the independent variables (benefits
given by bank and attitude towards money); and dependent variable (credit card spending
behaviour). It was acknowledged that the most significant predictor variable of credit card
spending behaviour among Gen Y employees in Zuellig Pharma Sdn. Bhd. was attitude
towards money. However, this study have recommended, since benefits given by bank
are found to influence credit card spending behaviour as well, the issuing banks and nonbanks
must continuously examine the incentives provided and payment policies enforced
in order to attract applicants and ensure usage. As for future researchers, they may
complement other independent variables, considering a bigger sample size and retest the
survey instrument in different countries or states to extend the understanding of credit card
spending behaviour for the forthcoming.