In recent years, mobile payment technology has been enjoying a rising popularity among consumers. While the innovation provides flexibility and convenience, it could also facilitate consumers' substitution of currency and checks by cards. Furthermore, the technology could affect consumers'...

Financial inclusion and digital payment use remain low in Peru. There is extensive literature on the determinants of deposit account access as a measure of financial inclusion, but few studies focus on digital payment use, and none addresses the Peru case at the micro level. This paper uses data...

Purpose: Consumers in the Netherlands made more than 3.2 billion debit card transactions at points-of-sale in 2015, corresponding to over half of all point-of-sale payments in that year. This study provides insights into the environmental impact of debit card transactions based on a life cycle...

The protection of financial personal data has become a major concern for Internet users in the digital economy. This paper investigates whether the consumers' use of non-bank payment instruments that preserve financial privacy from banks and relatives may increase their online purchases. We...

As technology rolls out ongoing and competing streams of payments innovation, exemplified by Apple Pay (mobile payments) and Bitcoin (cryptocurrency), the law governing these payments appears hopelessly behind the curve. The patchwork of state, federal, and private legal rules seems more worthy...