HARANAHALLI RAMASWAMY INSTITUTE OF

INSTITUTION
•

PRESENTATION ON
TOPIC: “A STUDY ON IMPACT OF PLASTIC MONEY ON CON

SUBMITTED BY:
Bhavani B.R
2nd MBA
HRIHE
INTRODUCTION

According to Business Dictionary, plastic money is a generi

types of bank cards, credit cards, debit cards, smart cards, Au
Teller Machine cards and charge cards. In recent years, there
dramatic growth in the usage of plastic money among the peo
In India, banks are widely using information technology for
the quality of Customer service. The e-transaction have also
secure, more convenient, Authentication and made ecommerc
Plastic money is replacing traditional concept of paying throu
secured and cannot be copied. It accepted worldwide. This st
conducted to know about the awareness and use of plastic mo
the consumers.
 REVIEW
Handelsman and Munson (1989),
OF LITERATURE
“Switching behaviors from credit card
to Cash payment among ethnically
diverse retail customers”

Barker (1992) Globalization of credit card usage: The

case of a developing economy”

Natarajan and Manohar (1993) “Credit Cards–an Analysis”

Almeida (1995) “The Future in cards”

Worthington (1995) ), “The cashless society”

Maganty (1996) “Changing Dimension.”

Gambir (1998), “Credit cards in India”.

Carow and Kenneth (1999), “Debit, Credit, or Cash: Survey evidence

on Gasoline Purchases.”

Azhagaiah (2002) “Credit creation through plastic money.”

Chakravorti (2003) “Theory of credit card networks:

Bhargava (2004) “Debit cards: A new generation plastic

money”

Humphrey (2004) “Replacement of cash by cards in US

consumer payments”
Park and Burns (2005) “Fashion orientation credit card use, and
compulsive buying.”

Vora and Gidwani (1993), Vora and Gidwani (1993),

Mathur and George (1994) “Use of credit-cards by older American”

Simon and Victor (1994), “Customers’ Risk Perceptions of

Electronic Payment Systems”

George (1995), “The card majors lead the way”

Kaynak (1995) “Correlates of credit card acceptance

and usage in an advanced developing
Middle Eastern Country.”
Torbet and Marshall (1995), “One in the eye to plastic card fraud.”

Joshi (1996), “Variants in plastic.”

Radhakrishan (1996) study on “DEBIT CARDS”

Plouff, Yandenbosch and Hulland “Why smart cards have failed looking to
(2000) consumers and merchant reactions to a
new payment technology”

Steindl (2000) “Credit cards, Economization of money,

and Interest Rates.”

Warwick and Mansfield (2000), “Credit card consumer: college students

knowledge and attitude”
Leung and Lai (2001), “Improving the quality of the credit
authorization processes a quantitative
approach”.

Jinkook (2002), “Consumers Use of Credit Cards: Store

Credit Card usage as an Alternative
Payment and Financing Medium.”

Gupta (2003) “Legal and regulatory framework of credit

cards”

Saha (2003), “The booming credit card business of

Indian banker.”

Bandyopadhyay (2004) “Credit cards look for an Ace”

Braunsberger (2004), “The effectiveness of credit–card

regulations for vulnerable consumers”.
 OBJECTIVES OF THE STUDY

➢ To find out the importance of plastic money in the present

➢ To find out the usefulness and popularity of plastic money
➢ To know the problems faced by respondents using plastic
➢ To assess the problems and reasons for the non usage of pl
SCOPE OF THE STUDY

The paper money has small life cycle and it cannot be recyc
compared to plastic money because which has long life cycle
recycled for further utilization. Due to this problem faced wit
not the invention of payment has be introduced.
Another problem that arises is that one cannot keep the huge
cash with oneself and this gave an impetus to the idea of plas
which is known as plastic money accepted worldwide and on
huge amount with oneself while going anywhere in the world
RESEARCH METHODOLOGY

1. Primary Sources: This data include both qualitative and qu

data. Data are generated through questionnaire as a research

2. Secondary Sources: This data will be collected from journa

reports and Industrial publications.