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This study examines the factors that influence the attitude o f customers toward utilization o f
credit cards among academics at the University o f Sri Jayewardenepura, Sri Lanka. 236
questionnaires were distributed through Google forms among academics in the Faculty o f
M anagement Studies and Commerce and 94 respondents have replied questionnaire back.
Sample o f the study is selected based on purposive sampling method.
The factors which are included in this study are availability o f information, perceived
usefulness, and characteristics o f card issuers, general satisfaction and card use intension.
M ultiple regression analysis is used to determine the m ost contributory factor that best
predict the attitude toward using credit cards. According to the results o f the study the most
influential variable on attitude towards credit card usage is card used intention followed by
perceived usefulness and availability o f information. The most influential variable is
explained 47.4% o f the variation in the attitude towards usage o f credit cards and the adjusted
R2 also indicates that the model has good fit: 52.5% variation in attitude towards credit card
usage is explained by estimated regression equation.
