The Roles of Personality and Ethical Judgments in Intention to Not Repay Credit Card Expenses
Cherng G. Ding
|關鍵字:||人格特質;內外控;風險承擔傾向;倫理判斷;不償付卡費意圖;Personality;Locus of Control;Risk-Taking Propensity;Ethical Judgments;Intention to Not Repay Credit Card Expenses|
Concerns for ethical issues in business have dramatically increased over the last two decades. Much of the existing research on business ethics has focused on marketing and marketing related activities, especially on the seller side of the buyer/seller dyad. However, consumers are major participants in the business process and not considering them in ethics research may result in incomplete understanding of that process. An understanding of why some consumers engage in unethical behavior may be helpful in ultimately curtailing many questionable practices. The first consumer ethics studies established a ethics scale (general ethical judgments) that examined the extent to which consumers believe that certain questionable behaviors are either ethical or unethical, which consist of four dimensions: actively benefiting from an illegal activity, passively benefiting at the expense of others, actively benefiting from questionable actions, and no harm/no foul. Previous studies have examined the extent to which general ethical judgments are related to other variables (e.g., attitudinal characteristics and Materialism). However, very little attention has been given to the relationships between general ethical judgments and ethical behaviors. It is of great worth to understand how certain ethical judgments may be related to intention to not repay credit card expenses. The dissertation proposed a model linking personality traits (locus of control and risk-taking propensity), ethical judgments regarding credit card use, and behavioral intention to not repay credit card expenses. External locus of control and risk-taking propensity can predict intention to not repay through ethical judgments. Furthermore, external locus of control can directly affect the intention. By understanding the causes of not repaying credit card expenses, financial service providers should be able to effectively reduce card bad debts. In particular, relationship marketing strategies are helpful to mitigate cardholders’ intention to passively not repay.
|Appears in Collections:||Thesis|
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