The GfK MRI Psychographic Sourcebook
The GfK MRI Psychographic Sourcebook
The GfK MRI Psychographic Sourcebook
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Survey of the American Consumer: Part 2<br />
IV. Finance & Insurance<br />
C. Money Borrowing Attitudes Segmentation<br />
This segmentation was created using responses to items in the Financial Attitudes battery concerning attitudes toward borrowing money.<br />
Participants in the survey were asked about their agreement with two statements—“I hate to borrow money” and “Borrowing money makes me<br />
feel uncomfortable.” <strong>The</strong>ir answers were used to create four classifications:<br />
• Balk the Bank<br />
<strong>The</strong>se consumers are very uncomfortable with borrowing money; essentially, they hate doing it.<br />
• On Someone Else’s Dime<br />
Members of this segmentation are credit-reluctant in their attitudes: they don’t feel as strongly negative about borrowing as members<br />
of the “Balk the Bank” segment, but it does make them uncomfortable.<br />
• To <strong>The</strong>ir Credit<br />
<strong>The</strong>se consumers are credit realists. <strong>The</strong>y don’t like to borrow money, but it does not make them uncomfortable to do so.<br />
• I.O.U.<br />
Consumers in this category have the mind-set of a credit enthusiast: they are not averse to borrowing, nor does borrowing increase<br />
their anxiety levels.<br />
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