Hasniawati, Nur Annisa; Lase, Eva R.; Hutabarat, Akhis R. - In: Journal of Central Banking Theory and Practice 9 (2020) S1, pp. 291-313
We examine the preferences of respondents for six types of payment instruments, namely cash, debit and credit cards … data covering six provincial capitals in Indonesia, we find that the decision to choose payment instruments is made … significant effect on the probability of using non-cash electronic payment instruments. We find a substitution pattern between …