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We use data from several waves of the Survey of Consumer Finances to document credit and debit card ownership and use across US demographic groups. We then present recent theoretical and empirical contributions to the study of credit and debit card behavior. Utilization rates of credit lines and...
Persistent link: https://www.econbiz.de/10010298333
Germans are still very fond of using cash. Of all direct payment transactions, cash accounts for an astounding 82% in … survey data on payment behaviour of German consumers, we shed light on how individuals choose payment instruments and why …. Consumers decide upon the adoption of payment cards and then use available payment media according to their transaction and …
Persistent link: https://www.econbiz.de/10010299952
Germans are still very fond of using cash. Of all direct payment transactions, cash accounts for an astounding 82% in … survey data on payment behaviour of German consumers, we shed light on how individuals choose payment instruments and why …. Consumers decide upon the adoption of payment cards and then use available payment media according to their transaction and …
Persistent link: https://www.econbiz.de/10011605190
the same price for purchases, regardless of the means of payment?The answer lies in a set of credit card network rules … restraints thus prevent merchants from pricing according to consumers' payment method and from signaling to consumers the costs … of different payment methods. Accordingly, consumers never internalize the costs of their choice of payment system …
Persistent link: https://www.econbiz.de/10009466414
This paper explores the impact of contactless payment on consumers' demand for cash at an early stage of diffusion. The … dataset drawn from representative surveys on consumer payment behavior in the USA from 2009 to 2013 is analyzed to account for … significant effect on cash usage after controlling for unobserved heterogeneity. Consumers' decision to use contactless payment is …
Persistent link: https://www.econbiz.de/10013205789
Very little is known about payment choices in the African context and in developing countries in general. Their unique … infrastructures and economic nuances suggest that both the availability of instruments and supporting structures in the payment system … are different from the general perception. This exploratory study investigates the payment choices in Zimbabwe, a country …
Persistent link: https://www.econbiz.de/10014001334
Persistent link: https://www.econbiz.de/10011438515
Persistent link: https://www.econbiz.de/10011414630
Persistent link: https://www.econbiz.de/10010344363
Very little is known about payment choices in the African context and in developing countries in general. Their unique … infrastructures and economic nuances suggest that both the availability of instruments and supporting structures in the payment system … are different from the general perception. This exploratory study investigates the payment choices in Zimbabwe, a country …
Persistent link: https://www.econbiz.de/10013183755