The 2011 and 2012 Surveys of Consumer Payment Choice
نویسندگان
چکیده
منابع مشابه
Consumer Payment Choice: Measurement Topics
What are the determinants of consumer choice over payment mechanisms? The answer to this question is important for a variety of reasons. Every government has the responsibility of supporting an efficient and effective payment system. Doing so is an explicit mandate of the Federal Reserve Bank in the United States. In addition, nothing is more central to private sector commerce than collecting p...
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By using a unique data set that contains detailed information on consumer perceived attributes of payment methods and consumer perceived acceptance of payment methods by merchants, we estimate the direct effects of rewards card programs on consumer payment choice for in-store transactions. Our estimation approach, which follows Harris and Keane [1999], allows us to alleviate the endogeneity pro...
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Correspondence: Roger M Pinder 2 St Wilfrid’s Court, Monkgate, York YO31 7UQ, UK Tel +44 190 464 6684 Email [email protected] There were three papers in Neuropsychiatric Disease and Treatment that attracted the most attention in the last year, all recording more than 10,000 hits since publication. Varying widely in subject matter, by far the most popular of the trio, with almost 30,000 hit...
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We exploit scanner data to track payment choice for grocery purchases for a large panel of households over three years. We show that households focus most of their expenditures on one or at most two of these instruments in choosing between using cash, a check, or a card, and they very rarely switch. We focus particularly on the role of expenditure size in determining payment choice. While the u...
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We study the ability of banks and merchants to influence the consumer’s payment instrument choice. Consumers participate in payment card networks to insure themselves against three types of shocks— income, theft, and their merchant match. Merchants choose which payment instruments to accept based on their production costs and increased profit opportunities. Our key results can be summarized as ...
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ژورنال
عنوان ژورنال: SSRN Electronic Journal
سال: 2014
ISSN: 1556-5068
DOI: 10.2139/ssrn.2564165