A PROJECT ON

“A STUDY OF PREMIUM CREDIT CARD USERS

FOR THEIR CHOICE AND TO CREATE A
CUSTOMER PROFILE FOR FUTURE
PROMOTIONS”
WITH REFERENCE TO

SBI
A PROJECT REPORT SUBMITTED PARTIAL FULFILLMENT FOR THE
AWARD OF

“MASTER OF BUSINESS ADMINISTRATION”

SUBMITTED BY

D RAKESH
Hall Ticket No: 2128-19-672-150

Under the guidance of

MRS. FARAH SULAIMAN
(ASSOCIATE PROFESSOR)

HYDERABAD PRESIDENCY DEGREE AND PG COLLEGE

(Affiliated to Osmania University - HYDERABAD)
(2019 – 2021)
 DECLARATION

I D RAKESH the student of HYDERABAD PRESIDENCY DEGREE AND PG

COLLEGE hereby declare that. I am completed SYNOPSIS on “A STUDY OF PREMIUM
CREDIT CARD USERS FOR THEIR CHOICE AND TO CREATE A CUSTOMER
PROFILE FOR FUTURE PROMOTIONS” The information submitted is true and original to
the best of my knowledge. References have been cited wherever necessary.

D RAKESH

Date:-

Place: - Hyderabad
 ACKNOWLEDGEMENTS

I would like to express my gratitude for those who have been constant source of encouragement
and motivation throughout this project, without whose support this could not have been possible.

I am very thankful to the principal of HYDERABAD PRESIDENCY DEGREE AND PG

COLLEGE, PROF. FAIQ AHMED and MRS. FARAH SULAIMAN my supervisor for their
valuable guidance and support on completion of this project.

I also acknowledge with the deep sense of reverence, gratitude towards my parents and members
of my family, who have always supported me morally as well as economically.

Atlas but not least gratitude goes to all my friends who directly or indirectly helped me to
complete this project report.

Any omission in this brief acknowledgement does not mean lack of gratitude

D RAKESH

HALL TICKET NO: 2128-19-672-150

 ABSTRACT
This survey intends to find out the “bank credit card usage behavior” of the consumers where

store and other loyalty cards are excluded from this survey. A survey is applied to 916

respondents selected via stratified sampling of which 880 are found eligible to be analyzed;

Eskişehir is a city of Turkey with 700.000 inhabitants. The respondents are required to answer

45 questions of which first eight are of descriptive type on nominal scale and the last five are

related to demographic characteristics of these respondents. The rest 32 are statements which

are designed to reflect the credit card usage behavior of these people. The study consists of

five parts. The first part is an introduction where the history of credit cards in Turkey together

with the scope and the purpose of the study are concisely stated. The second part relates to the

theoretical background of the subject matter and the prior researches carried out so far. The

third part deals with research methodology, basic premises and hypotheses attached to these

premises. Research model and analyses take place in this section. Theoretical framework is

built and a variable name is assigned to each of the question asked or proposition forwarded

to the respondents of this survey. 32 statements or propositions given to the respondents are

placed on a five-point Likert scale where 1 represents strongly disagree; 2 disagree; 3 neither

agree nor disagree; 4 agree and 5 strongly agree. The last five questions about demographic

traits as age, gender, occupation, educational level and monthly income are placed either on a

nominal or ratio scale with respect to the nature of the trait. Six research hypotheses are

formulated in this section. The fourth part mainly deals with the results of the hypothesis tests

and a factor analysis is applied to the data on hand. Here exploratory factor analysis reduces

32 variables to eight basic components. KMO test of sampling adequacy and scale reliability

test proved high scores as 0.891 and 0.696 respectively. In addition non-parametric biraviate

analysis in terms of Chi-Square test is applied to test the hypotheses formulated in this respect.
 TABLE OF CONTENTS

CHAPTER NO DESCRIPTION PAGE NO

CHAPTER - I INTRODUCTION 1

CHAPTER - II REVIEW OF LITERATURE 7

CHAPTER - III RESEARCH METHODOLOGY 11

CHAPTER - IV THEORETICAL FRAME WORK 15

CHAPTER – V COMPANY PROFILE 22

CHAPTER - VI DATA ANALYSIS AND INTERPRETATION 27

CHAPTER - VII RESEARCH FINDINGS & SUGGESTIONS 43

CHAPTER -VIII SUGGESTIONS & RECOMMENDATIONS 46

 BIBLIOGRAPHY 49

 QUESTIONNAIRE 51