Personality Type Effects on Online Credit Card Payment Utilization

Consumers’ ability to purchase goods and services from anywhere and at any time is a critical factor in the ubiquity of e-commerce. Credit cards enable a medium of exchange that facilitates the global e-commerce marketplace. Credit card providers’ and bank account service sites provide powerful tools for the individual to manage their credit card accounts, and allowing payment of monthly credit card bills. This study builds upon previous work done on the relationship between personality type and Internet usage. It expands this previous work to focus specifically on user adoption of online credit card bill payment services. This work can provide online payment service designers insights into the personality traits of users to better determine user needs and exploit qualities of user personalities to both improve utilization and attract customers who would not normally consider online credit card payment services.