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Factors in gaining compliance toward an acceptable level of personal unsecured debt

Stephanie Dellande (The Argyros School of Business and Economics, Chapman University, Orange, California, USA)
Andrew Saporoschenko (The Argyros School of Business and Economics, Chapman University, Orange, California, USA)

International Journal of Bank Marketing

ISSN: 0265-2323

Article publication date: 1 June 2004

Abstract

This paper proposes a conceptualization of factors that influence the ability of individuals to reduce their personal unsecured debt levels, especially credit card debt. As such the paper's conceptualization offers relationship lessons for bank marketers in the USA and the UK, where bank credit cards are a key element of many bank marketing programs. A key contribution is the paper's focus on customer compliance behavior in a personal unsecured debt management program. Factors discussed within our conceptualization are behavioral variables and psychological variables. Also examined is the role of geographic and demographic explanatory variables in personal debt management program success.

Keywords

Citation

Dellande, S. and Saporoschenko, A. (2004), "Factors in gaining compliance toward an acceptable level of personal unsecured debt", International Journal of Bank Marketing, Vol. 22 No. 4, pp. 279-290. https://doi.org/10.1108/02652320410542554

Publisher

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Emerald Group Publishing Limited

Copyright © 2004, Emerald Group Publishing Limited