| dc.description.abstract | This study sought to assess factors affecting the use of credit cards by Postbank employees. The . study looks at the gaps that limit the understanding of employee's behaviour and motivation in the use of cards which creates a knowledge gap with a view to suggesting ways to fill them. A case study was conducted where data was obtained from 23 staff from other departments and from Postbank Card Centre. Data collection was facilitated through a questionnaire and the respondents were made up of 52% male and 48% female.
The study found out that the top management have credit cards while majority of middle management and lower management/supervisory cadre do not have credit cards. It was also found out that factors affecting the use of credit cards were credit frauds, awareness creation, complaints on the predetermined issues like merchant service commissions fees, and th~ credit card system in the bank among many other factors. The study identified staff responsiveness to card acceptance as a very effective method of creating awareness as well as staffs product knowledge and effectiveness of card marketing
The challenges that exist in the use of credit card systems in the sales of credit card were lack of legal legislation in the Kenyan, card fraud, competition from instant phone services, rampant use . of cash by cardholders, lack of local technical support, rampant fraud at merchant establishments, high technological costs and cost of imported technical support. | en_US |
