... 2020 © Emerald Publishing Limited 2020 Emerald Publishing Limited Licensed re-use rights only Internet use Credit consumption Social comparison Materialism Multiple mediation Structural equation modeling Consumer credit refers to personal unsecured debt which is extended...

... Purchase intention E-service Heavy internet user Internet use Customers assess the effects of all discrete stimuli presented by the physical environment and hence respond to environments in a holistic manner during service encounters. Previous research termed these surrounding factors...

...-Artzi, 2003 ; Ryan and Xenos, 2011). The majority of previous research on internet use that involves individual differences has examined using one internet function (e.g. social networking, blogging). Researchers are aware that a variety of individual differences exist among internet users...