Cohen, Ruth; Shy, Oz; Stavins, Joanna - 2022 - This version: February 2022
replacing paper with cards and electronic payments. Stavins (2021) examines the evolution of payments from paper to cards and … electronic payments, while Shy (2020) shows the payments landscape across merchant types. This paper combines the cross … changes for each merchant type to assess which transactions shifted from paper to electronic payments and from in-person to …