field work has taken place during the whole year. The results reveal a gradual substitution of cash by debit card payments … 2015 Dutch consumers for the first time made more payments with debit cards than with cash. …

This paper explores the impact of contactless payment on consumers' demand for cash at an early stage of diffusion. The … unobserved heterogeneity in cash usage. The results show that contactless credit and debit cards exert no statistically … significant effect on cash usage after controlling for unobserved heterogeneity. Consumers' decision to use contactless payment is …

Cash use in most countries is falling slowly. On the margin, younger adults favor cash substitutes over cash. For older … the demand for cash and why it is falling. Cash use may continue to fall, and card use (the main cash substitute) may fall …