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The Decision Making Process of Individual Credit Buying: an Analysis of the Effect for the Payment Conditions, Type of Product and Individual Differences
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The Decision Making Process of Individual Credit Buying: an Analysis of the Effect for the Payment Conditions, Type of Product and Individual Differences
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The Decision Making Process of Individual Credit Buying: an Analysis of the Effect for the Payment Conditions, Type of Product and Individual Differences
2017
Overview
The present research carried out a study about decision making process that occurs in the context of the individual credit buying, from theories and studies of economic psychology and consumer behavior. The main objective was to verify the effect that the type of product and payment conditions have in the decision-making process of credit purchasing. During the research it was sought to recognize if changing the type of product (from hedonic to utility) and the payment conditions (with or without discount and interest rate) there would be a change in the propensity of credit purchasing. Therefore, it aimed to identify how rational and behavioral variables influenced the individual decision. Also it was intended to observe if people with the same characteristics maintain or not their payment decision in each scenario. Finally, it was asked which variables are used to better explain the credit purchase decision.
Publisher
Association for Consumer Research
Subject
