With the advancement of technology and need towards better service provision plastic money in form of cards-debit or credit cards are becoming common now a days. These tools of purchase management are reaching into wallet of nearly all. As a result companies are also eying to leverage the cards benefits as shopping/purchase facilitator. As with the emerging equalities of men and women and their equal and balanced role in shaping up the society, both the genders establish quite active response patterns with respect to debit/credit card spending and use. According to the survey of Reserve Bank of India (RBI) more card holders have reduced the number of cards in their wallet and consolidated spending with a single card in 2011. The proportion of single card holders has grown most in India in 2011 at 90 per cent. The second was the Philippines with 84 per cent, followed by Malaysia (80 per cent). The use of cards is perceived differently by various consumer classes. Women might be bigger spenders than men, but they use their debit cards less frequently, says a survey by the RBI published in business today. The present study explores various behavioural aspects associated with two broad consumer classes Men and Women belonging to middle income group of tier II cities towards this tool.
service provision, purchase facilitator, middle income group, tier II cities
