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An application of the tourist test to Colombian merchants
Arango-Arango, Carlos A.; Betancourt-García, Yanneth Rocío - In: Latin American journal of central banking : LAJCB 3 (2022) 4, pp. 1-13
paid with cash or cards. We find the estimates are far below the rates that the industry charges because of the low …
Persistent link: https://www.econbiz.de/10014375481
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How Changes in Payment Card Interchange Fees Affect Consumers Fees and Merchant Prices : An Economic Analysis with Applications to the European Union
Evans, David S. - 2011
A number of jurisdictions are considering imposing price caps on the interchange fees that card issuers receive from merchant acquirers when cardholders pay with their cards. Several have already done so. This paper examines the net impact of these price caps on consumers. The economics of...
Persistent link: https://www.econbiz.de/10013122900
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Are we too negative onnegative fees for payment cardholders?
Gans, Joshua - 2018
This paper examines regulator concerns that cash-paying consumers pay higher retail prices due to so-called ‘negative pricing' of credit cards that emerge when cardholders face few fees but instead receive discounts, rewards and other inducements for using credit cards for transactions. It is...
Persistent link: https://www.econbiz.de/10012052345
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Why don’t most merchants use price discounts to steer consumer payment choice?
Briglevics, Tamás; Shy, Oz - In: Review of industrial organization : RIO 44 (2014) 4, pp. 367-392
Persistent link: https://www.econbiz.de/10010390274
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How do consumers avoid penalty fees? : evidence from credit cards
Gathergood, John; Sakaguchi, Hiroaki; Stewart, Neil; … - In: Management science : journal of the Institute for … 67 (2021) 4, pp. 2562-2578
Persistent link: https://www.econbiz.de/10012522822
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The Impact of Interchange Fees on Merchants and Consumers
Girjob, Anca; Girbacea, Maria - 2014
This paper explores the issue of the multilateral interchange fees from the perspective of the competition law. The multilateral interchange fees are payments for card transactions operated through financial institutions such as Visa and MasterCard. The issue raised by the European Commission is...
Persistent link: https://www.econbiz.de/10014149493
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An application of the tourist test to Colombian merchants
Arango-Arango, Carlos A.; Betancourt-García, Yanneth Rocío - 2021
Persistent link: https://www.econbiz.de/10013197439
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Regulating two-sided markets : an empirical investigation
Carbó Valverde, Santiago; Chakravorti, Sujit; … - 2009
We study the effect of government encouraged or mandated interchange fee ceilings on consumer and merchant adoption and usage of payment cards in an economy where card acceptance is far from complete. We believe that we are the first to use bank-level data to study the impact of interchange fee...
Persistent link: https://www.econbiz.de/10003969442
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The Impact of the U.S. Debit Card Interchange Fee Caps on Consumer Welfare : An Event Study Analysis
Evans, David S. - 2013
The cost to merchants of taking payment on debit cards declined by more than $7 billion annually as a result of the Durbin Amendment to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, while the effective cost to issuers of providing debit card services to consumers...
Persistent link: https://www.econbiz.de/10013074147
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Excessive Competition for Headline Prices
Inderst, Roman - 2016
When firms' shrouding of charges, as in Gabaix and Laibson (2006), meets with consumers' salient thinking, as in … quality beyond what would be cost efficient. As more intense shopping leads to a greater “pass through” of shrouded charges … policy. While in our model all consumers are potential victims of salient thinking and shrouded charges, salient thinking …
Persistent link: https://www.econbiz.de/10012992314