Visualizing and Mapping Research on Consumers’ Credit and Payment: A Bibliometric Analysis

The COVID pandemic that hit the world has had an extraordinary effect, especially on business survival. Many businesses have experienced problems with declining market share and revenues, and have even gone bankrupt due to the declining purchasing power of people worldwide. Demand and supply face various issues that exacerbate economic conditions. From the consumer side, the income decline led to an increase in bad loans, as it altered consumption patterns. Meanwhile, from the supply side, the company suffered revenue losses due to bad loans, which negatively impacted its performance. This research aimed to analyze preliminary research on credit and consumer payment and identify areas for future investigation. Data were collected from 57 journals published between 2019 and 2023 using the ProQuest search engine. Furthermore, the data obtained were analyzed to eliminate journals without quartiles that have been discontinued using the ScimagoJR website. Mendeley software was employed to identify pertinent keywords. At the same time, Vos Viewer was used to determine various variables and research methodologies, resulting in five clusters based on occurrence and the strength of links. The results indicated that most research in China used the technology acceptance model and regression modeling analysis. Based on the analysis results using Vos Viewer, research gaps remained evident, indicating a need to explore a range of variables, methods, and analytical tools. According to the clusterization in the discussion section, this research offers implications for researchers interested in consumer behavior to capitalize on opportunities.