This research note empirically investigates whether cash can prevent consumers from making needless purchases in … unexpected shopping situations. Cash can have a disciplinary effect on short-term consumption because it imposes a strong … subsequently being declared unnecessary is significantly lower when the consumer had paid the transaction in cash. The results are …

cash by households. This paper presents an estimation of the number and value of cash transactions in all 19 euro area … that can contribute to improving the efficiency of the cash cycle and the payment system as a whole. Previous estimates of … the value of cash usage by households in the euro area date from 2008. Since then some central banks have carried out …

. Cash use has declined as well, although at a much slower pace. As the number of check payments has decreased, those … collected over nine years, we track the same respondents over time and find that consumers who reduced their check or cash use … for bill payments in a given year were more likely to reduce their check or cash use for purchases in the following year …

use of cash for purchases, and shifted their personto-person (P2P) payments away from paper (cash and checks). Those … likely to use cash at all compared with those who worked at least partly in person, even after we control for income and …

The use of paper instruments-cash and checks-has been declining in the United States, and consumers have been gradually … remote transactions. We find that cash use declined faster than check use, in large part because transactions shifted from in … person to remote. While the cash-use share of transactions dropped for almost all merchant types, changes in check use were …

lack access to most payment methods and, hence, use cash or prepaid cards to pay their bills. Low-income consumers pay … their bills differently from the rest of the sample: They are more likely to pay in person, use significantly more cash, and …

This paper empirically investigates whether individuals withhold a certain amount of cash for precautionary reasons at … the point-of-sale (POS) in order to be able to cover future transactions that might have to be paid for in cash. Such … being settled in cash declines significantly as the amount of cash available at one’s disposal decreases. This indicates …

U.S. consumer cash payments averaged 26 percent of all U.S. consumer payments by number (volume share) from 2008 to … estimates from the Diary of Consumer Payment Choice (DCPC) show that the volume share of consumer cash payments is higher than … estimated in the SCPC and suggest that the cash volume share was 8 percentage points lower in 2015 than in 2012. The DCPC most …