Transformation of payment systems: the case of European Union enlargement

Francisco Callado-Muñoz, Jana Hromcová and Natalia Utrero-González

Applied Economics Letters, 2012, vol. 19, issue 18, 1787-1791

Abstract: In this article, we analyse how the accession to an economic and monetary union and the influence of new institutions may shape consumers' payment decisions in newly acceded countries. Our analysis focuses on the 2004 European Union (EU) enlargement process. Results confirm the prediction of theoretical models about the relevance of economic development, institutional environment and payment infrastructure in retail payment system decisions.

Date: 2012
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Working Paper: Transformation of payment systems: The case of European Union enlargement (2011)
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DOI: 10.1080/13504851.2012.654908

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