research-article

The Influence of Online Personal Consumer Credit Products on Consumers' Impulse Purchasing Intention: A case study of Ant Credit Pay

Authors:

Qian JiaAuthors Info & Claims

ICEBT '19: Proceedings of the 2019 3rd International Conference on E-Education, E-Business and E-Technology

Pages 59 - 66

https://doi.org/10.1145/3355166.3355179

Published: 02 August 2019 Publication History

Abstract

E-commerce has developed rapidly in China recent years, and various e-commerce platforms have launched personal consumer credit products. Impulsive purchases often occur in online consumer shopping. This paper is based on the theoretical model of Stimulus-Organism-Response (SOR), taking the Ant Credit Pay as an example to explore the influence of online personal consumer credit products on consumers' impulse purchasing intention from the perspective of perceived risk, promotional activities and social impact on emotion and cognition stimulation. The results indicate that promotional activities are positively associated with consumers' impulse purchasing intention, perceived risk is negatively associated with consumers' impulse purchasing intention and social impact on consumers' impulse purchasing intention is not significant. Both the consumers' emotional arousal of emotional response and normative assessment level of cognitive response are positively associated with consumers' impulse purchasing intention, while consumers' happy emotion and self-control are negatively associated with impulse purchasing intention. Implications for management and suggestions for future research are provided.

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Cited By

Triwijayati AMelany Wijayanti D(2020)Impact of consumer innovativeness on risk and new product adoption: a moderating role of Indonesia’s demographic factorsInnovative Marketing10.21511/im.16(4).2020.0516:4(48-61)Online publication date: 15-Dec-2020
https://doi.org/10.21511/im.16(4).2020.05

Index Terms

The Influence of Online Personal Consumer Credit Products on Consumers' Impulse Purchasing Intention: A case study of Ant Credit Pay
1. Information systems
  1. World Wide Web
    1. Web applications
      1. Electronic commerce
        Online shopping

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ICEBT '19: Proceedings of the 2019 3rd International Conference on E-Education, E-Business and E-Technology

August 2019

95 pages

ISBN:9781450372565

DOI:10.1145/3355166

Copyright © 2019 ACM.

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Published: 02 August 2019

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ICEBT 2019

ICEBT 2019: 2019 The 3rd International Conference on E-Education, E-Business and E-Technology

August 2 - 4, 2019

Madrid, Spain

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Cited By

Triwijayati AMelany Wijayanti D(2020)Impact of consumer innovativeness on risk and new product adoption: a moderating role of Indonesia’s demographic factorsInnovative Marketing10.21511/im.16(4).2020.0516:4(48-61)Online publication date: 15-Dec-2020
https://doi.org/10.21511/im.16(4).2020.05

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