การรับรู้ ทัศนคติและพฤติกรรมการตัดสินใจถือบัตรเดบิต บัตรเครดิต และบัตรเอทีเอ็มของประชาชนในเขตกรุงเทพมหานคร / กมลเนตร อยู่คงพัน = Perception, attitude and decision to use debit, credit and ATM cards among Bangkok consumers / Kamonnate Yukongpun
Studies perception, attitude and decision to use debit, credit and ATM cards and debit cardholding behavior, and, finds out the correlation among perception, attitude and decision to use debit card. Questionnaire was utilized to collect data from 400 Bangkok respondents. The results showed that most of the respondents had medium level of perception toward debit card and high level of perception toward credit and ATM cards. Elaborately, most of the respendents had positive attitude toward debit and credit cards in term of convenience to purchase and unnecessarily to hold cash, and positive attitude toward ATM card in term of convenience to withdraw or check money in account. For hypothesis testing, it was found that : 1. No significant correlation was shown between perception and attitude toward debit card. 2. Positive and significant correlation was found between perception toward debit card and decision to use debit card. 3. Positive and significant correlation was found between attitude toward debit card and decision to use debit card. 4. Perception and attitude toward debit card could be used to explain together 11.4 percent of overall factors influencing decision to use debit card.