Gender gaps in the world of payments

Carin Cruijsen and Marie-Claire Broekhoff

Working Papers from DNB

Abstract: Gender gaps are widespread. The world of payments is no exception, as our research using novel survey data from Dutch households shows. First, we find that men are more likely than women to have experienced paying with a credit card or contactless via their smartphone or smartwatch. Differences in digital literacy and attitudes towards new payment instruments lie at the heart of these gender gaps, with men expressing higher levels of digital literacy and greater enjoyment when trying out new payment instruments. Second, our research shows a division of payment tasks within households. For example, men are more involved in paying housing-related costs, while women tend to be in charge of grocery payments. Finally, women have poorer payment fraud knowledge and express more fear of the digital world. Our research underscores the importance of policies aimed at improving digital literacy and fraud knowledge, especially among women.

Keywords: payments; gender gap; inclusion; fraud knowledge; digital literacy (search for similar items in EconPapers)
JEL-codes: D12 D83 G50 J16 J33 (search for similar items in EconPapers)
Date: 2024-03
New Economics Papers: this item is included in nep-ban and nep-pay
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (1)

Downloads: (external link)
https://www.dnb.nl/media/ufefvsxv/working_paper_no-805.pdf

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:dnb:dnbwpp:805

Access Statistics for this paper

More papers in Working Papers from DNB Contact information at EDIRC.
Bibliographic data for series maintained by DNB ().