Factors Affecting the Decision to Use Credit Card of Krungsri Ayudhya Bank in the Bangkok

Abstract

This Article aimed to (1) study the decision-making behavior of using credit cards of the Bank of Krungsri Ayudhya in Bangkok, and (2) study the factors that affect the decision to use credit cards of Krungsri Ayutthaya Bank in the Bangkok. The sample group used in the research is customers who use the services of Krungsri Ayutthaya Bank, located in Bangkok, 400 people using questionnaires as a tool for data collection. Analyze data using descriptive statistics: frequency distribution tables, percentages, means, and standard deviations. And inferential statistics were analyzed using logistic regression analysis. The results show that most respondents are female, aged between 20-29 year old, single status, graduated with a Bachelor’s degree, worked as company employees and monthly income between 15,000-25,000 baht. And the result of the decision to use the credit card of Krungsri Ayutthaya Bank those who choose to use the credit card of Krungsri Ayutthaya Bank accounted for 56.25 percent by giving reasons for choosing credit card of krungsri Ayutthaya bank is the system is safe from the most cybercrime problems. And those who do not choose to use the bank credit card in Krungsri Ayutthaya accounted for 43.75 percent because of the application process and credit card approval of Krungsri Ayudhya Bank is the most delayed. It was also found that the factors affecting the decision to use the Ayutthaya bank credit card in the district Bangkok is gender, monthly income, marketing mix factors price, process, and physical characteristics were positively related.