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• W2183660603 abstract "This paper explores the nature of the consumption environ- ment of credit, termed the 'credogenic' environment and identifies its key players including financial services providers, regulators and consumers. Perspectives from both students and key infor- mants from a range of consumer and debt advice agencies, regula- tory bodies and banks in the UK and Ireland are presented. The pervasive culture of credit and the issue of responsibility emerge as key themes. While there is recognition of marketing's role in creating and sustaining the credogenic environment, there are differing views regarding lender and borrower responsibility and accountability. The adequacy and effectiveness of current legisla- tion is questioned. INTRODUCTION: THE MARKETING ENVIRONMENT While the marketing environment is recognised as a critical factor for both management and customers, it is a relatively underexplored and underdeveloped concept. The ideological power of neo-liberalization has resulted in the 'exaltation of the indi- vidual' (Evans, 2002:56) in marketing discourse, while the influ- ence of marketing to shape and control the consumption environ- ment has been largely ignored. A case in point has been what we term the credogenic environment, where the continued availability of credit for many of those already in debt inevitably affects the choices they make and their perception of their financial situation. The term 'credogenic' is purposely derived from another term describing a particular environment in which marketing could be seen as complicit. This is the obesogenic environment (Swinburn et. al. 1999) whereby a surfeit of fat, sugar and salt and a lack of physical exercise have led to an increase in obesity. In particular, Swinburn et al., (1999) highlight the importance of the physical, economic, social and cultural environments of most industrialised countries and we suggest that a similar argument could be made regarding the proliferation of credit and the acceptance of high levels of debt in western societies today. This paper begins by acknowledging the nature and importance of this credit environ- ment in terms of how it is constructed and examines how much real freedom and choice consumers have in their behaviour within it. We consider research which identifies the individual's cognitive limitations faced with a complex purchase such as credit before presenting a more detailed analysis of the current credogenic environment with a particular emphasis on the growth of consum- erism and the pervasiveness of the culture of credit across all strata of society. Empirical research with regulators, representatives of financial institutions and advisory agencies and one potentially vulnerable group (students) is presented to identify roles and responsibilities." @default.
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• W2183660603 title "Exposing the ‘Credogenic’ Environment: Where Does Responsibility Lie?" @default.
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