ACCI Conference 2024

 This paper would like to examine how financial related psychological factors such as financial stress, locus of control, financial risk tolerance reacts to responsible credit card payment behavior in pre-, during-, and post pandemic. Financial consumers can understand how their financial behavior changes in times of COVID-19 and think about how to contribute positively to the financial well-being of themselves and their families. Furthermore, this study will suggest that responsible financial behavior is needed even when unexpected crises such as COVID-19.

Author(s): Hye Jun Park, Wookjae Heo, Jae Min Lee