[fre] La littérature empirique sur l’économie des instruments de paiement s’est principalement centrée sur l’étude des comportements de paiement des consommateurs. Pourtant, ainsi que le montrent les travaux théoriques récents sur les two-sided markets appliqués aux systèmes de...

[eng] Detention and use of payment instruments in France . In this article, we offer a general picture of the detention and the use of payment instruments in France, and we determine which variables influence consumer payment behavior. We show that a large majority of the French hold a checkbook...

[fre] L’objet de cet article est de présenter l’état de la littérature théorique et empirique sur les déterminants de la détention et de l’usage par les consommateurs des instruments de paiement. Les auteurs distinguent deux grands types de déterminants : ceux liés aux instruments...

This paper aims at understanding why cardholders still withdraw cash from bank branches. Differentiating the direct and indirect costs of a withdrawal, we exploit a unique data set of a French representative sample in order to estimate the probability to withdraw cash at a bank branch...

This article studies e-Government uses in order to determine if, among Internet users, e-administration services benefit to specific categories of the population. From individual French data (insee [2005]) and controlling for the selection bias related to Internet use, we show that among...

Abstract In recent years, regulators in various parts of the world have capped interchange fees on debit and credit cards. The justification for the caps rests to a large extent on the argument that these cards have, for certain merchants, become must-take cards rather than “wanna-take...