5Chien, Y. and DeVaney, S.A. The Effects of Credit Attitude and Socioeconomic Factors on Credit Card and Installment Debt[J]. Journal of Consumer Affairs, 2001, 35(1).
6Davis, F.D., Bagozzi, R.P. and Warshaw, P.R. User Acceptance of Computer Technology: A Comparison of Two Theoretical Models[J]. Management Science, 1989, 35 (8).
7Dacin, P.A. and Mitchell, A. A. The Measurement of Declarative Knowledge [J]. Advances in Consumer Research, 1986, 13(1).
8Hayhoe, C.R., Leach, L. and P.R. Turner. Discriminating the Number of Credit Cards Held by College Students Using Credit and Money Attitudes[J]. Journal of Economic Psychology, 1999, 20(6).
9Jarvenpaa, S.L., and Todd, P.A. Consumer Reactions to Electronic Shopping on the World Wide Web[J]. International Journal of Electronic Commerce, 1996, 1 (2).
10Mathieson, K. Predicting User Intentions: Comparing the Technology Acceptance Model with the Theory of Planned Behavior[J]. Information Systems Research, 1991, 2(3).
