The Safety of Cash and Debit Cards: A Study on the Perception and Behavior of Dutch Consumers
International Journal of Central Banking, 2013, vol. 9, issue 4, 77-98
This paper investigates the impact of the perceived payment safety on debit card and cash usage. It provides a conceptual framework of safety perception and payment behavior, which is empirically tested using 2008 consumer survey data. The results show that consumers’ payment preferences are strongly influenced by their views on the safety of payment instruments. These views are determined mainly by consumers’ perception of the likelihood that payment incidents may occur. The seriousness of possible incidents is also considered, though to a much lesser degree. Personal characteristics and experiences of payment incidents are shown to play a significant role here.
JEL-codes: C42 D12 E41 (search for similar items in EconPapers)
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (16) Track citations by RSS feed
Downloads: (external link)
Working Paper: The safety of cash and debit cards: a study on the perception and behaviour of Dutch consumers (2010)
This item may be available elsewhere in EconPapers: Search for items with the same title.
Export reference: BibTeX
RIS (EndNote, ProCite, RefMan)
Persistent link: https://EconPapers.repec.org/RePEc:ijc:ijcjou:y:2013:q:4:a:3
Access Statistics for this article
International Journal of Central Banking is currently edited by Loretta J. Mester
More articles in International Journal of Central Banking from International Journal of Central Banking
Bibliographic data for series maintained by Bank for International Settlements ().