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What impacts the intentions to buy of the Personal Contract Purchase products in the automobile sector?
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Resumo(s)
A personal contract purchase (PCP) idea is a complex, innovative and progressively popular type of vehicle financing. Clients know in the beginning of the contract how much do they car is valorised in the end of the contract and finance the difference between the invoice price and that value, which originates a smaller monthly instalment. In the end of the contract, the costumer can buy the car for the price settled in the beginning of the contract, return it to the dealer, or exchange the old car by a new car, originating a new finance contract. This dissertations aims to investigate what impacts the consumer intentions to buy PCP products in the automobile sector. 131 participants completed a multiple-choice questions questionnaire to evaluate their opinions regarding what would lead them to acquire PCP products. The results revealed that consumer’s attitude, perceived value and monetary literacy influence the intentions to buy PCP. A conclusion was made that the monetary literacy have the biggest impact on it, so raise the knowledge of the costumers regarding financial knowledge could increase their intents to acquire PCP.
Descrição
Dissertation presented as the partial requirement for obtaining a Master's degree in Information Management, specialization in Marketing Intelligence
Palavras-chave
Personal contract purchase, guaranteed minimum future value, perceived value, monetary literacy, perceived value, intentions to buy