The use of credit cards and consumer access models: Patterns of use in Albanian banks

Autorët

  • Valbona Cinaj Faculty of Social Sciences, Albanian University
  • Artur Ribaj child-protection practice.

DOI:

https://doi.org/10.55312/op.v17i1.7276

Abstract

Over the past few decades, there has been a shift of people from using traditional payment methods to digital methods, thus creating innovation in the payment system. Nowadays, the market is determined to bring a different culture to Albania. The purpose of this study, which is based on the use of credit cards in the Albanian market, especially in Tirana, is to determine the attitude of society towards these credit cards. A questionnaire distributed among 100 consumers was used for primary data collection. This study contains both qualitative analysis and quantitative data analysis. The qualitative analysis addresses the ABC model of behavior, the use of credit cards, and the inflation problems caused by their use. The quantitative analysis highlights model statistics as well as the study of econometric analysis, based on the independent variables that are considered, such as monthly income level, security, prestige, and interest rate, which are thought to have a strong relationship with the use of credit cards as well as the expenses incurred during their use. Age, gender, monthly income, employment status, the reason for use, frequency of use per month, and duration of use are considered in the statistical model. Various tests have been developed to provide an accurate estimate of the relationship of variables using the SPSS Statistics program. All independent variables have exhibited a positive impact concerning the dependent variable. This paper aims to show the perceptions of people who use credit cards and those who hold a negative attitude about their use.

Keywords:

Credit card, innovation, payment system, model

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Published

2025-06-01

How to Cite

Cinaj, V., & Ribaj, A. (2025). The use of credit cards and consumer access models: Patterns of use in Albanian banks. Optime, 17(1), 231–243. https://doi.org/10.55312/op.v17i1.7276

Numër

No. 1 (2025): Optime

Section

Social Sciences