need for monitoring spending and budgets. We demonstrate that both cash and the debit card are perceived as helpful in this … card more useful for monitoring their household finances than cash. Individuals differ in major respects, however. In … particular, low earners and the liquidity-constrained prefer cash as a monitoring and budgeting tool. Finally, we present …

This paper investigates the impact of consumers' safety perception on debit card and cash usage. A conceptual framework … demonstrate that consumers' payment preferences for cash and debit cards are strongly affected by how consumers assess the … likelihood and seriousness of safety incidents related to cash, debit cards and ATM withdrawals. Risk aversion, personal …

simulations show that these two factors are significant determinants of the high shares of low-value cash payments in Canada …Despite various payment innovations, today, cash is still heavily used to pay for low-value purchases. This paper … develops a simulation model to test whether standard implications of the theory on cash management and payment choices can …

. We show that they therefore hold more precautionary cash and have lower leverage targets. Though ICT firms issued more … market timing view. ICT firms did not build up excessive cash reserves that lead to overinvestment. All in all, the financial …