Hyytinen, Ari; Takalo, Tuomas - Suomen Pankki - 2004
In the market for payment media, some consumers use only one medium when paying for their point-of-sale transactions …, while others multihome and use many. As this pattern reflects the diffusion of new payment media, we take a look at the … determinants of the adoption of new payment media through the window of multihoming. Using data on young Finnish consumers, we find …