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Consumer payment choices: Room for further digisation?

Anneke Kosse

Other publications TiSEM from Tilburg University, School of Economics and Management

Abstract: There is a large variety of instruments that consumers can use for making payments. The use of electronic payment instruments, such as payment cards and online transfers, has considerably increased over the past decades. Yet, consumers still heavily rely on cash and other paper-based means of payment. The objective of this thesis is to examine the drivers underlying consumers’ choice of which payment instruments to use for their transactions. More specifically, in three empirical studies, this thesis examines how consumers’ payment choices are influenced by foreign backgrounds and by payments safety. However, as having accurate data on the use of payment instruments is key to assessing the drivers underneath, this thesis first takes one step back and provides a profound analysis of how to best measure consumers’ payment behaviour, and in particular their use of cash.

New Economics Papers: this item is included in nep-mkt
Date: 2014
Note: Dissertation
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