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Fatigue in payment diaries : empirical evidence from Germany
Schmidt, Tobias - 2011
In this paper we analyse whether the recording behaviour of consumers keeping a payment diary changes over the diary period. Using data from a large study on the payment behaviour of German consumers we find that individuals tend to report a higher number of transactions on the first day of the...
Persistent link: https://www.econbiz.de/10009011299
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Household bargaining, pension contributions and retirement expectations : evidence from the German Panel on Household Finances
Fernandes, Inês; Schmidt, Tobias - 2021
pension contributions and expected standard of living in retirement, using microdata from the German Panel on Household … sharing. The empirical results suggest that household bargaining is significantly correlated with individual retirement … household resources amongst each other in retirement. Finally, our data indicate that intracouple information sharing and …
Persistent link: https://www.econbiz.de/10012697947
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Household Bargaining, Pension Contributions and Retirement Expectations : Evidence from the German Panel on Household Finances
Fernandes, Ines; Schmidt, Tobias - 2022
pension contributions and expected standard of living in retirement, using microdata from the German Panel on Household … sharing. The empirical results suggest that household bargaining is significantly correlated with individual retirement … household resources amongst each other in retirement. Finally, our data indicate that intracouple information sharing and …
Persistent link: https://www.econbiz.de/10013310307
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Choosing and using payment instruments: evidence from German microdata
von Kalckreuth, Ulf; Schmidt, Tobias; Stix, Helmut - 2009
Germans are still very fond of using cash. Of all direct payment transactions, cash accounts for an astounding 82% in terms of number, and for 58% in terms of value. With a new and unique dataset that combines transaction information with survey data on payment behaviour of German consumers, we...
Persistent link: https://www.econbiz.de/10010299952
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Fatigue in payment diaries - empirical evidence from Germany
Schmidt, Tobias - 2011
In this paper we analyse whether the recording behaviour of consumers keeping a payment diary changes over the diary period. Using data from a large study on the payment behaviour of German consumers we find that individuals tend to report a higher number of transactions on the first day of the...
Persistent link: https://www.econbiz.de/10010304727
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Using cash to monitor liquidity: Implications for payments, currency demand and withdrawal behavior
von Kalckreuth, Ulf; Schmidt, Tobias; Stix, Helmut - 2011
Standard transaction cost arguments can only partially explain why the share of cash transactions is still high in many countries. This paper shows that consumers' desire to monitor liquidity is one of the reasons. Consumers make use of a distinctive feature of cash - a glance into one's pocket...
Persistent link: https://www.econbiz.de/10010307248
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The influence of an up-front experiment on respondents' recording behaviour in payment diaries: Evidence from Germany
Sieber, Susann; Schmidt, Tobias - 2015
In this paper, we analyse the recording behaviour of German consumers in a one week diary on their point-of-sales expenditures. We are particularly interested in the effect of a behavioural experiment, eliciting respondents' risk preferences, on their recording behaviour. In the experiment, run...
Persistent link: https://www.econbiz.de/10011404601
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Precautionary motives in short-term cash management: Evidence from German POS transactions
Eschelbach, Martina; Schmidt, Tobias - 2013
This paper empirically investigates whether individuals withhold a certain amount of cash for precautionary reasons at the point-of-sale (POS) in order to be able to cover future transactions that might have to be paid for in cash. Such behaviour is costly for consumers because it imposes...
Persistent link: https://www.econbiz.de/10010324123
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Choosing and using payment instruments: evidence from German microdata
Von Kalckreuth, Ulf; Schmidt, Tobias; Stix, Helmut - 2009
Germans are still very fond of using cash. Of all direct payment transactions, cash accounts for an astounding 82% in terms of number, and for 58% in terms of value. With a new and unique dataset that combines transaction information with survey data on payment behaviour of German consumers, we...
Persistent link: https://www.econbiz.de/10011605190
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Using cash to monitor liquidity - implications for payments, currency demand and withdrawal behavior
Von Kalckreuth, Ulf; Schmidt, Tobias; Stix, Helmut - 2011
Standard transaction cost arguments can only partially explain why the share of cash transactions is still high in many countries. This paper shows that consumers’ desire to monitor liquidity is one of the reasons. Consumers make use of a distinctive feature of cash – a glance into one’s...
Persistent link: https://www.econbiz.de/10011605431