Uncovering the Digital Payment Divide: Understanding the Importance of Cash For Groups at Risk
In: De Nederlandsche Bank Working Paper No. 781
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In: De Nederlandsche Bank Working Paper No. 781
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In: Contemporary economic policy: a journal of Western Economic Association International, Band 36, Heft 2, S. 363-380
ISSN: 1465-7287
This research shows that it is key to have up‐to‐date information on payment behavior per type of point of sale (POS) and on how this behavior is driven by sociodemographic factors and perceived payment instrument attributes. Based on 2004 and 2014 data of the Netherlands, we find substantial shifts in the drivers of payment behavior. The sociodemographic factors behind the adoption of the credit card and debit card have changed, especially for the latter payment card. In addition, there are substantial shifts in the effects of sociodemographic factors and perceived relative payment attributes on which payment instrument consumers most often use. Shifts in payment behavior depend on the type of POS. Overall, we find that safety has become more important for payment behavior. The extent to which payment behavior depends on user‐friendliness and speed has somewhat decreased. (JEL C25, D12, E42)
In: De Nederlandsche Bank Working Paper No. 550
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In: European Journal of Political Economy, Band 23, Heft 1, S. 51-66
In: Journal of economic behavior & organization, Band 221, S. 110-133
ISSN: 1879-1751, 0167-2681
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