The protection of financial personal data has become a major concern for Internet users in the digital economy. This paper investigates whether the consumers' use of non-bank payment instruments that preserve financial privacy from banks and relatives may increase their online purchases. We...

This paper analyzes the impact of music file sharing on CD purchases. Traditionally, two arguments are opposed concerning the impact of music file sharing on CD sales. On the one hand, MP3 downloads only reduces sales of legitimate CDs (the competition effect). On the other hand, consumption of...

Despite the growing importance of the debit card in most developed countries, there are relatively few academic studies that analyze the impact of such evolution on the demand for cash. Beyond data availability, this research is complicated by the fact that the debit card provides two services...