Volume 7 : Issue 2

Now showing 1 - 3 of 3

Impact of Behavioural Intention on E-Wallet Usage During Covid-19 Period: A Study from Sri Lanka
(Department of Marketing Management, University of Kelaniya, Sri Lanka., 2021) Jesuthasan, S.; Umakanth, N.
In recent years, there is a noticeable increase in cashless transactions due to financial technology development. With the enhancement of fin-tech products like e-wallet, most consumers shift from cash-based transactions to cashless. In particular, locked down Citizens of the country had no other choice than to stay at home due to the COVID-19 pandemic in Sri Lanka. The social distancing and avoidance of physical touch were the significant measures to escape from the COVID-19 virus. The use of digital transactions and electronic cash transfers was encouraged in every nook and corner of the country. The present empirical study aimed to investigate the significant predictors of behavioral intention on e-wallet usage during the COVID-19 period. This study adopted a practical research design to the online survey method to gather e-wallet users' perceptions in the study area by applying an extended technology acceptance model (TAM). The present study follows the quantitative approach to gathering data from 500 respondents using a Google Form. And collected data were analyzed using the regression model. The results indicate that Attitude, perceived usefulness, perceived ease of use, perceived cost, perceived Risk, and COVID – 19 are the positive and significant predictors of e-wallet usage. In contrast, perceived usefulness, Subjective norms, and facilitating conditions do not significantly influence e-wallet usage. Further, e-wallets usage should be encouraged to avoid unnecessary visits to banks, implement social distancing, avoid physical touch while exchanging cash amid the COVID-19 pandemic in Sri Lanka and create a positive attitude among citizens of the country towards the adoption of a cashless economy. Finally, this study helps the digital marketplace's service providers understand the usefulness of using e-wallet for transaction purposes.
Factors Impact on Consumer Credit Card Usage Behaviour: Evidence from Sri Lanka
(Department of Marketing Management, University of Kelaniya, Sri Lanka., 2021) De Silva, L. G. R. V.; Patabendige, S. S. J.
Credit cards are widely popular financial product around the world which is attached to consumer’s daily lifestyle. Credit cards are used for all sorts of payments by consumers based on their requirements. Consumer credit card usage is differing from person to person hence this study examines the factor’s that impact on consumer credit card usage behavior in Sri Lanka. The study was conducted in the western province where the primary data for the survey was collected through a self-completed questionnaire which was distributed among 100 diverse credit card users. The sample of 100 respondents was selected through the convenient sampling technique and collected data were analyzed using a regression model and correlation analysis. This study finds a significant positive relationship between credit card attributes and credit card usage. A similar relationship was evident for social status and lifestyle variable and psychographic variable. Based on the results; credit card attributes emerged as the prominent factor impact on credit card use among Sri Lankan consumers. Further, the factors considered under this study were based on the research model developed under the conceptual framework. Whereas there are many other factors that could have influenced consumer credit card usage behavior. The findings of this study are very much helpful for the credit card issuers to structure their marketing strategies and to enhance the market share of credit card market. Similarly, this research will assist in changing the revenue structure of the credit card business.
Impact of Brand Citizenship Factors towards Customer Perception: A Conceptual Review on Non-Banking Financial Services Sector of Sri Lanka
(Department of Marketing Management, University of Kelaniya, Sri Lanka., 2021) Jayampathi, G. A. S.; Weerasiri, R. A. S.
The Main objective of the concept paper is to review of brand citizenship factors relates to customer perception. A special attention is paid to matters pertaining to the non-banking financial services sector in Sri Lanka. In order for the leasing industry to survive in a competitive market, all firms need to understand customers who are more inclined to reconsider their relationship with other paroral players and competitors. Marketing experts focus on investigating the factors that create and increase consumer value in this new light. Organizations sustain their competitive advantage though differentiation strategy and cost leadership. Employee’s brand behavior would be the best practices for brand differentiation. Inline within, scholars appreciate the concept of Brand Citizenship Behavior (BCB) as one of the theoretical contents that addressee’s customer perception. Most organizations are to maintain balance standpoint in brand citizenship management which highlights both external and internal brand management Sri Lanka is also a noted context whereas financial services apply such motivational strategies to train and retain brand committed salesforce. But organizations in the financial leasing sector still faces intensive issues for the customer perception due to on revelry competition among the parallel players and the competitors. This paper reviews how theoretical and empirical contributions address customer perception whilst special attention is made on non-banking financial services sector in Sri Lanka. Alongside, authors used a deductive approach so doing paper associated academic works and industry related publications to support arguments and discussions. A summarized discussion was made whilst key insights are concluded with future research suggestions.

Volume 7 : Issue 2 - 2021

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