Der Einsatz von eSIM in Endgeräten, die auf mobile Kommunikation zurückgreifen, nimmt sowohl im Consumer- als auch im M2M-Bereich stetig zu. Die vorliegende Studie untersucht mögliche Auswirkungen der eSIM auf den Wettbewerb mit einem Fokus auf Anwendungen im Consumer-Bereich. Dabei...

Does mental accounting matter for total consumption expenditures? We exploit a unique setting in which individuals exogenously received a new credit card, without requesting one. Using random variation in the time of receipt we show that individuals temporarily increase total consumption...

In recent years, information on the usage of cards as a means of payment has been increasingly used as an indicator of private consumption. The advantages of such information include its daily frequency and the short time lag from the moment of spending until it becomes available. This article...

This study employs an administrative dataset containing high-frequency transaction records for approximately four million smart transit cards used by Singaporean residents in order to study the travel preferences of public transport commuters. We examine the impact of service attributes,...

The issue of consumer payments and data security has reached a high level of public and regulatory interest as a result of a number of recent high-profile data breaches that compromised consumer payment cards. In addition, the ecosystem of consumer payment security has changed dramatically in...

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 cards'. That is,...

Previous research has found that perceptions of payment security affect consumers' use of payment instruments. We test whether the Target data breach in 2013 was associated with a change in consumers' perceptions of the security of credit cards and debit cards and with subsequent changes in...

This essay takes a closer look at the U.S. payment card system, primarily debit cards. I examine the bundle of transactional services this and other types of payment cards provide. My goal, in large part, is to assess the competitive effects of the debit card interchange fee cap under the Durbin...

In framework of Rochet and Tirole (2011), I allow for partial merchant internalization and study how MIT threshold is related to levels of inter-change fee that maximize various components of social welfare. I find that cost absorption on the side of issuers and merchant heterogeneity each bias...

This paper studies study the impact of providing school and child test scores on subsequent test scores, prices, and enrollment in markets with multiple public and private providers. A randomly selected half of the sample villages (markets) received report cards. This increased test scores by...

This application note shows how to use smart card for security and authentication for application with procedure and mechanism. Include details configuration of contact & contactless chip. How access control on operating system, conclusion with smart card secure or not

RFID applicants called as e-ID, smart tag, and contactless smart card are being applied to numerous areas in our daily life, including tracking manufactured goods, currency, and patients to payments systems. To review these various applications of RFID is important to exploring not only ongoing...

The smart cards are now days commonly utilised for purchasing the transportation services ticket fares like buses, railways, etc. There are many such projects underway around the world for transportation utility services like railways. The important factor for the ticketing system in railways is...

I extend Shy and Wang's (2011) model and study the problem of successive monopoly when complementarity is imperfect. In my model, consumers value the good no matter they pay in cash or by card. However, they are willing to pay a higher price if they can enjoy additional card service. Since...

This paper investigates how buyers allocate their spending among debit, credit, and prepaid cards. Using the 2012 Diary of Consumer Payment Choice, I show that consumers tend to concentrate the majority of their transactions and a large value of their transactions on a single type of card. The...

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...