Browsing by Author "HAYREL FERNANDES"

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    Influence of credit cards on consumer buying behaviour
    (ASST. PROF. SHELLEY MENDES, 2026) Influence of credit cards on consumer buying behaviour; DISHA SARVESH VERLEKAR; DOLIDA GOMINDES; HAYREL FERNANDES; ISHA SIMOES
    The present study examines impulsive buying behaviour among credit cardholders and analyses the influence of financial literacy and awareness of credit card terms and conditions on consumer spending patterns. The research was conducted in select villages of South Goa, including Betul, Velim, Margao, Navelim and Sao Jose de Areal, during November and December 2025. Primary data was collected through a structured questionnaire administered both online and in printed form, yielding 103 responses, of which 68 were credit card users. Secondary data from journals and websites supported the literature review. The findings indicate moderate credit card adoption, with most users owning a single card and using it primarily for online shopping, bill payments, and emergencies. Although usage frequency is generally low, discounts and cashback offer significantly influence spending and may trigger impulsive purchases. While a section of users exceed their monthly budgets and experience post-purchase regret, overall compulsive buying behaviour is not dominant. The study further reveals a relatively high level of financial literacy and responsible credit management among respondents, reflecting awareness and disciplined usage of credit cards.