Literature Review

Chapter 2
Literature review
Bisht etal (2015) conducted the study to find out the analysis of the use of plastic money A boon
or a bane in India. The research is conducted by using secondary data which includes
questionnaire of 200 respondents. The research is conducted in Pune. The objective behind the
research is to find the awareness and usage of plastic money and its preference over paper
money. The research finds that the plastic money is used by everyone and they are familiar with
it and plastic money is more preferred by the user of cards.
Sharma etal (2015) conducted the study to find out the evaluation of consumer perception and
attitude towards the usage of plastic money in India. The research is conducted by
using
secondary data which includes questionnaire of 250 respondents. The research is conducted in
New Delhi. The research finds that most of the population wants to use plastic money in place of
hard cash or paper money as they can make payments instantly with plastic money, easy to use
and it is portable and flexible.
Ullah etal (2014) conducted the study to find out the issues regarding the plastic money in
Pakistan. The research is conducted by using secondary data which includes questionnaire of
100 respondents. The research is conducted in Islamabad, Peshawar, Kohat and Karak which
is located in Pakistan. The objective behind the research is to address the factors which are faced
by Pakistani consumers from actively using and adopting Plastic Money. The research finds that
there are still Mis-Perceptions about Plastic Money, Customer's Awareness and Education and
the Cost of Using Plastic Money which have been found out in research.
Nirmala (2015) conducted the study to find out the analysis of the use of plastic money in India.
The research is conducted by using secondary data which includes questionnaire and interview
of 260 respondents. The research is conducted in Hissar. The objective behind the research is
to find problems of using plastic money, factors affecting selection of plastic money and level of
adoption. The research finds that the use of Plastic cards is more and more increasing for online
payment, the main reason for the increase in plastic money is that the customers are not a victim
of a fraud, The factors for adoption of plastic money over the cash and paper money are NonDiscounts while shopping, No hassles of carrying cash, Security of money, Hassle free EMIs
,Easy to use, Personal Loan on Credit Card.
Sudhagar (2012) conducted the study Perception and Awareness on Credit Cards among Bank
Customers in Krishnagiri District. The research is conducted by using secondary data which
includes questionnaire and interview of 300 respondents. The objective behind the research is to
find the awareness of credit card among the bank customer, the attitude of card holders towards
credit cards and to examine the extent of usage of credit cards by card holders. The research
finds that the most of the respondent are aware of the credit card, the credit range starts from
15000 to 30000 and the card holders have positive attitude toward the credit card.
Sumi etal (2014) conducted the study on Problems and Prospects of Plastic Money in
Bangladesh. . The research is conducted by using secondary data which includes questionnaire
and interview of 200 respondents. The objective behind the research is to find problems of using
plastic money, factors affecting selection of plastic money and level of adoption. The research
finds that respondents which are professionals are more using the plastic money and mostly use
to withdraw the money from it.
Subhani etal (2011) conducted the study on plastic money / credit card charisma for now and
then( a thin line between easy money and risky money) in Pakistan. The research is conducted by
using secondary data which includes questionnaire and interview of 2000 respondents. The
objective behind the research is to find the charisma for plastic money, its usability and
affordability while they are impacting on its preference to use. The research finds that the nation
having high preference to use plastic money and having high affordability.
Bhatt (2015) conducted the study on An analytical study on use of plastic money in India: with
special reference to card holders of Gujarat. The research is conducted by using secondary data
which includes questionnaire and interview of 384 respondents. The objective behind the
research is to examine the socio-economic profile of the cardholders so as to ascertain the
association of such factors with the use of debit cards and credit cards, to identify the benefits of
plastic money by cardholders and merchants in business deals and to investigate into the problems
confronted by both cardholders and merchants in the plastic money deals. The research finds that
the highest number of plastic card holders is in age group of 15-25 years, i.e. 167 respondents, while
161 respondents using plastic card belongs to the age group of 26-45 years from 384 respondents, the
highest usage of various card used by users is falling between income group of less than Rs. 1 lacs
while the lowest usage is having Rs. 6 lacs income level or more income level group as this group is
using internet as a means of transferring their money.

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Chapter 2

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