determining the payment instrument chosen for purchases. Consumer choices for bill payments are somewhat constrained by … are less likely to set up automated or online bill payments, regardless of whether they have a bank account. Although … automatic bill payments that Sexton (2015) finds for energy consumption. Rather, we find that consumers who pay their bills …

determining the payment instrument chosen for purchases. Consumer choices for bill payments are somewhat constrained by … are less likely to set up automated or online bill payments, regardless of whether they have a bank account. Although … automatic bill payments that Sexton (2015) finds for energy consumption. Rather, we find that consumers who pay their bills …

, credit transfers and direct debits used in bill payments are much more used in the euro area than cheques, payment cards and … framework stated for studying the choice of payment instruments at the point of sale is relevant to study bill payments. Using …