collaboration with the National Statistics Office, with the aim of analysing payment habits in Malta. The research explores … individuals' perspectives on various aspects, including accessibility to different payment instruments, preferred methods for … conducting purchases, and perceptions of different payment instrument characteristics and new technologies such as contactless …

Despite the introduction of an array of innovations and new payment options for consumers over the last decade, income … and demographics remain significant predictors of payment behavior. Using data from a 2023 consumer payments diary, we … find that income, age, and education are significant predictors of which payment instruments consumers adopt and use. These …

their economies. It finds higher engagement in countries with strong innovation, fast payment systems, high government …; increasing the resilience of the payment system in the face of natural disasters; increasing competition in the payments system …