Consumer Cash Usage: A Cross-Country Comparison with Payment Diary Survey Data

John Bagnall, David Bounie, Kim Huynh, Anneke Kosse, Tobias Schmidt and Scott Schuh
Additional contact information
John Bagnall: Reserve Bank of Australia
David Bounie: Telecom Paris Tech

International Journal of Central Banking, 2016, vol. 12, issue 4, 1-61

Abstract: We measure consumers’ use of cash by harmonizing payment diary surveys from seven countries. The seven diary surveys were conducted in 2009 (Canada), 2010 (Australia), 2011 (Austria, France, Germany, and the Netherlands), and 2012 (the United States). Our paper finds cross-country differences—for example, the level of cash usage differs across countries. Cash has not disappeared as a payment instrument, especially for low-value transactions. We also find that the use of cash is strongly correlated with transaction size, demographics, and point-of-sale characteristics such as merchant card acceptance and venue.

Date: 2016
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Citations: View citations in EconPapers (128)

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Related works:
Working Paper: Consumer Cash Usage: A Cross-Country Comparison with Payment Diary Survey Data (2014)
Working Paper: Consumer cash usage: a cross-country comparison with payment diary survey data (2014)
Working Paper: Consumer cash usage: a cross-country comparison with payment diary survey data (2014)
Working Paper: Consumer Cash Usage: A Cross-Country Comparison with Payment Diary Survey Data (2014)
Working Paper: Consumer cash usage: A cross-country comparison with payment diary survey data (2014)
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