• International journal of advanced smart convergence
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• 제11권4호
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• pp.170-176
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• 2022

Given the critical importance of enhancing the level of ESG practices, the current research examines the impact of credit card users' pro-environmental characteristics (i.e., environmental self-accountability, eco-label involvement) on their satisfaction with credit card benefits related to green life. That is, this research investigates whether consumers' satisfaction with green credit card benefits varies depending on their environmental self-accountability and eco-label involvement. Specifically, we predict that (1) for consumers with high (vs. low) environmental self-accountability, their satisfaction with credit card benefits related to green life will be higher (hypothesis 1); and (2) when consumers have high (vs. low) eco-label involvement, they will be more likely to be satisfied with credit card benefits related to green life (hypothesis 2). An online survey (N = 293) was conducted to test the two hypotheses. In support of the hypotheses, the results indicate that (1) respondents who had high (vs. low) environmental self-accountability were more satisfied with credit card benefits related to green life, and (2) respondents with high eco-label involvement, as compared to those with low eco-label involvement, reported greater satisfaction with credit card benefits related to green life. We suggest an important insight into how credit card companies approaching ESG issues can increase their consumers' satisfaction with green credit card benefits, considering consumers' individual characteristics such as environmental self-accountability and eco-label involvement.

• International journal of advanced smart convergence
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• 제11권1호
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• pp.64-69
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• 2022

The current research examines whether consumers' preference for credit card benefits (i.e., general credit card benefits vs. credit card benefits related to green life) differs according to their pro-environmental disposition. Specifically, we predict that for consumers with high (vs. low) pro-environmental disposition, their preference for credit card benefits related to green life will be higher, while preference for general credit card benefits will not be different between low and high pro-environmental disposition groups. An online survey (N = 487) was conducted to test the hypotheses. Consistent with the hypotheses, the results indicate that (1) respondents with high pro-environmental donation intention, as compared to those with low pro-environmental donation intention, had higher preference for credit card benefits related to green life; and (2) there was no significant difference in preference for general credit card benefits between high and low pro-environmental donation intention groups. We suggest an important insight into how credit card companies approaching ESG issues can increase their consumers' preference for credit card benefits relevant to green life, considering consumers' individual differences such as pro-environmental disposition.

• International Journal of Advanced Culture Technology
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• 제8권1호
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• pp.107-112
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• 2020

Green credit card is the card service to revitalize the eco-friendly life of the people, offering a variety of benefits to card users for supporting environment. The present research aims to examine the effect of individuals' regulatory focus (promotion focus vs. prevention focus) on their ethical behavior in the context of green credit/debit card services. This research examines whether green credit/debit card users behave ethically according to their regulatory focus. The results indicate that green credit/debit card users with a prevention focus are more likely to behave ethically compared to those with a promotion focus. The findings imply that regulatory focus may be an effective marketing and segmentation tool in facilitating individuals' ethical behavior.

• 가정과삶의질연구
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• 제19권1호
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• pp.77-93
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• 2001

This paper examines consumer problems and issues of credit card use. The cases of credit card problems were from a civil consumer organization called Green Consumers Network in Korea. This paper focused on over five concerns, including credit card issuing, lost or stolen card settlements, vendor fee charging to customer, withholding payment in case of unsatisfactory purchases, and abusive debt collecting practices. Some solutions for the consumer problems were suggested.

• 디지털융복합연구
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• 제14권1호
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• pp.151-161
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• 2016

최근 기후변화, 환경오염 등이 일상에 미치는 영향이 커지고 있으며, 이들 문제를 해결하기 위한 정책의 일환으로 정부는 누구나 쉽게 친환경행동을 실천할 수 있도록 동기를 부여하기 위해 2011년 7월 그린카드제도를 도입하였다. 개인과 가정이 환경문제를 현실 문제로 인식하고 적극적으로 실천하도록 하기 위해서는 끊임없이 변하는 소비자 행동패턴 데이터를 얻고, 이에 맞추어 친환경행동을 촉진할 수 있는 방안들을 구체적으로 제시하는 것이 중요하다. 이에 본 연구에서는 지난 2015년 1월부터 3월까지 3개월간 생성된 57천 여 개의 실제 그린카드 고객정보 및 거래데이터를 가지고 데이터마이닝의 방법론 중 하나인 연관규칙 분석법으로 고객의 친환경제품 구매 연결망을 도출하였고, 더 나아가 의사결정나무 분석을 실시하여 고객의 친환경행동에 영향을 미치는 유용한 변수와 고객의 특성을 세분화하였다. 그린카드 거래 및 친환경소비 실천에 있어 상위 10%에 해당하는 로열고객의 특성을 분석한 결과, 이들은 30~40대의 연간 소득수준이 3천만원대부터 4천만원 대에 해당하고, 대구, 경기, 서울에 거주하는 고객인 것으로 나타났다.