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Factors in gaining compliance toward an acceptable level of personal unsecured debt

Factors in gaining compliance toward an acceptable level of personal unsecured debt This paper proposes a conceptualization of factors that influence the ability of individuals to reduce their personal unsecured debt levels, especially credit card debt. As such the paper's conceptualization offers relationship lessons for bank marketers in the USA and the UK, where bank credit cards are a key element of many bank marketing programs. A key contribution is the paper's focus on customer compliance behavior in a personal unsecured debt management program. Factors discussed within our conceptualization are behavioral variables and psychological variables. Also examined is the role of geographic and demographic explanatory variables in personal debt management program success. http://www.deepdyve.com/assets/images/DeepDyve-Logo-lg.png International Journal of Bank Marketing Emerald Publishing

Factors in gaining compliance toward an acceptable level of personal unsecured debt

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Publisher
Emerald Publishing
Copyright
Copyright © 2004 Emerald Group Publishing Limited. All rights reserved.
ISSN
0265-2323
DOI
10.1108/02652320410542554
Publisher site
See Article on Publisher Site

Abstract

This paper proposes a conceptualization of factors that influence the ability of individuals to reduce their personal unsecured debt levels, especially credit card debt. As such the paper's conceptualization offers relationship lessons for bank marketers in the USA and the UK, where bank credit cards are a key element of many bank marketing programs. A key contribution is the paper's focus on customer compliance behavior in a personal unsecured debt management program. Factors discussed within our conceptualization are behavioral variables and psychological variables. Also examined is the role of geographic and demographic explanatory variables in personal debt management program success.

Journal

International Journal of Bank MarketingEmerald Publishing

Published: Jun 1, 2004

Keywords: Credit cards; Personal finance; Debts; Financial services; Marketing

References