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Credit card payments: do cultural values matter? Evidence from the European Union

机译:信用卡付款:文化价值是否重要? 来自欧盟的证据

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Purpose - This study analyzes how cultural and social values shape specific attitudes toward credit cards and indebtedness and consumption behavior.Design/methodology/approach - The study uses a panel dataset for a selection of European Union countries from 2003 to 2016. The relation between credit card use and social and cultural attitudes is constructed by controlling for past habits in payment behavior and cross-substitution with alternative payment instruments by employing a dynamic panel data analysis based on the system Generalized Method of Moments (GMM) estimator.Findings - The total value of credit card payments positively correlated with values emphasizing risk-taking attitudes. When analyzing the propensity of using these instruments for larger purchases, the level of trust is the most relevant predictor. However, the results seemed region-specific with some variables correlating consumption behavior with credit card usage depending on the political and the economic background of the country. Moreover, risk-taking attitudes prevail when they are related to the extent to which countries rely on cash as a preferred payment instrument. Also, credit card usage is mainly explained by past habits and the economic context.Originality/value - The model expands on previous credit card transaction research by including an additional set of cultural values able to account for the complex nature of payment instruments and their effects on indebtedness and consumption behavior.
机译:目的 - 本研究分析了文化和社会价值观对信用卡和债务和消费行为的特殊态度.Design/Methodology/Approach - 该研究使用2003年至2016年选择欧盟国家的小组数据集。信贷之间的关系通过基于系统通用方法(GMM)估计方法的动态面板数据分析,通过使用动态面板数据分析来控制过去的过去的习惯来控制过去的习惯来构建卡使用和社会和文化态度。信用卡付款与强调风险态度的价值观呈正相关。当分析使用这些仪器的倾向进行更大的购买时,信任程度是最相关的预测因素。然而,结果似乎是特定于某些变量的特定于某些变量,这些变量将消费行为与信用卡使用相关,具体取决于国家的政治和经济背景。此外,当与国家依赖现金作为首选付款工具的程度,风险态度占上风。此外,信用卡使用主要是通过过去的习惯和经济背景解释的。论债务和消费行为。

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