Determinants of card payments

Lukasz Goczek and Bartosz Witkowski

Applied Economics, 2016, vol. 48, issue 16, 1530-1543

Abstract: Although the development of the card payment system allows for lowering the costs of money circulation and thereby leads to significant economic gains, relatively small amount of research has been dedicated to the analysis of the determinants of this development. Therefore, the aim of the article is to seek cross-country determinants of retail card payments focusing on trust in the system. The article concentrates on two econometric models. One is constructed with the use of representative population survey data for Poland, the other is based on panel data from the EU countries in the years 2000--2012.

Date: 2016
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DOI: 10.1080/00036846.2015.1102846

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