VirtualCardFinal.xlsx

Virtual credit cards in India provide cost-effective cross-border payment options, but security is crucial for trust building and thwarting possible losses. This empirical study investigated the factors that influence intentions and attitudes to use virtual credit cards as a sustainable option by surveying virtual credit card users who are Gen Z and Millennials around Hyderabad. To assess the study outcome, we assessed 7 reflective constructs: security, privacy, reputation, trust, perceived risk, attitudes and intentions. The data were gathered from virtual credit card users who are Gen Z and Millennials in Hyderabad. The gathered data from 500 valid responses were analyzed for exploratory, confirmatory factor analysis, and hypotheses were tested with SEM analysis