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Changing payment patterns at point-of-sale: their drivers

Cruijsen, Carin van der; Plooij, Mirjam - de Nederlandsche Bank - 2015

Based on household surveys from 2004 and 2014 we show how payment patterns in the Netherlands have changed. This data is unique because it covers a long time span and includes detailed information on payment behaviour per point-of-sale (POS). In this period the usage of the debit card has...

Persistent link: https://www.econbiz.de/10011272317

The rose-colored glasses of homeowners

Cruijsen, Carin van der; Jansen, David-Jan; Rooij, … - de Nederlandsche Bank - 2014

Based on annual household surveys between 2003 and 2012, we show that owners have a rosy picture of their current house value and hold optimistic views on the historical and expected change in house value compared to general price trends. Optimism is both driven by loss aversion and an endowment...

Persistent link: https://www.econbiz.de/10010772596

In love with the debit card but still married to cash

Cruijsen, Carin van der; Hernandez, Lola; Jonker, Nicole - de Nederlandsche Bank - 2015

Using shopping diary survey data we show that changing payment patterns is a challenging task; even when consumers have fallen in love with the debit card, they find it hard to divorce from cash. While seven out of ten Dutch consumers report to prefer using the debit card, only seven out of...

Persistent link: https://www.econbiz.de/10011204501

Trust and Financial Crisis Experiences

Cruijsen, Carin van der; Haan, Jakob de; Jansen, David-Jan - de Nederlandsche Bank - 2013

Using eight annual surveys from the Netherlands between 2006 and 2013, we examine whether financial crisis experiences affect trust in banks, trust in the banking supervisor, and generalized trust. Adverse experiences during the financial crisis do not only directly lower trust in banks, but...

Persistent link: https://www.econbiz.de/10010690504

A note on fiscal federalism: a case for Europe?

Demertzis, M. - de Nederlandsche Bank - 2000

The creation of Monetary Union in Europe has specified a centralised role for the monetary instrument but has left the fiscal instrument within the nations' jurisdiction. It remains unclear how national fiscal policies will interact with the common monetary policy and whether there will be...

Persistent link: https://www.econbiz.de/10005101907

Preferences for redistribution in the Netherlands

Kakes, Jan; Winter, Jasper de - de Nederlandsche Bank - 2008

We investigate the determinants of Dutch households' preferences for income redistribution, using survey data. Our … redistribution, indicating that equal opportunities are considered important. Interestingly, support for redistributive policies is …

Persistent link: https://www.econbiz.de/10005030211

Market Thinness, List Price Revisions and Time to Sell: Evidence from a large-scale housing dataset

Hoeberichts, Marco; Rooij, Maarten van; Siegmann, Arjen - de Nederlandsche Bank - 2008

This paper uses a large dataset, covering more than 70% of the Dutch housing market, to analyze the relationship between market thinness, price setting behavior and time to sell. Our findings confirm the typical result that overpricing increases the time on market. In addition, we find evidence...

Persistent link: https://www.econbiz.de/10005021841

Understanding Bequest Motives An Empirical Analysis of Intergenerational Transfers

Fink, Günther; Redaelli, Silvia - de Nederlandsche Bank - 2005

This paper analyzes one of the major factors underlying old agents' saving and consumption decisions - the individual intentions to leave bequests. We present two simple model of altruistically motivated bequests and use data from the Health and Retirement Study (HRS) to confront the theoretical...

Persistent link: https://www.econbiz.de/10005021842

Housing and Equity Wealth Effects of Italian Households

Grant, Charles; Peltonen, Tuomas - de Nederlandsche Bank - 2005

The study quantifies stock market and housing market wealth effects on households' non-durable consumption using … Italian household panel data (SHIW) of 1989-2002. We found, averaging over all households, both statistically and economically … market and housing market wealth effects on households' non-durable consumption using Italian household panel data (SHIW) of …

Persistent link: https://www.econbiz.de/10005021843

Portfolio Management by Dutch Households: an Analysis on the Basis of Basis of Survey

End, W.A. van den; Kakes, J.I.; Rooij, M.C.J. van; … - de Nederlandsche Bank - 2002

This report analyses the portfolio behaviour of Dutch households. The study is partly based on information from a broad … are becoming more and more important in households assets. Hence, Dutch consumers have become much more sensitive to …

Persistent link: https://www.econbiz.de/10005021857