Search Results - subject_exact:"Payment behaviour"

Merchant steering of consumer payment choice

Greene, Claire; Shy, Oz; Stavins, Joanna - 2026

This paper investigates the degree to which merchants influence consumers' choice of how they pay for transactions. Using data from the Survey and Diary of Consumer Payments Choice, we examine consumers' adherence to their preferred payment method when making in-person transactions. We also...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604580

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Merchant steering of consumer payment choice

Greene, Claire; Shy, Oz; Stavins, Joanna - 2026 - This version: January 2026

Edition: This version: January 2026

Book / Working Paper

Uncovering the digital payment divide : understanding the importance of cash for groups at risk

Cruijsen, Carin van der; Reijerink, Jelmer - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014307011

Analysis of the payment habits in Malta

Savo, Stefano; Galea, Brenda Lee - 2025

This paper presents the findings derived from a comprehensive survey conducted by the Central Bank of Malta, in collaboration with the National Statistics Office, with the aim of analysing payment habits in Malta. The research explores individuals' perspectives on various aspects, including...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015358580

Report on the payment attitudes of consumers in Italy : results from ECB SPACE 2024 survey

2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015467607

Mobile payments : chatting with literature to spot what is left to reveal

Leo, Sabrina; Delle Foglie, Andrea; Panetta, Ida Claudia - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015418944

"Principales medios de pago en El Salvador y la tendencia hacia la innovación"

Arévalo Zeledón, Ana Carolina; Rubio Coreno, Norma Beatriz - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014634154

Consumer payment behavior by income and demographics

Greene, Claire; Perry, Julian; Stavins, Joanna - 2024 - This version: July 2024

Despite the introduction of an array of innovations and new payment options for consumers over the last decade, income and demographics remain significant predictors of payment behavior. Using data from a 2023 consumer payments diary, we find that income, age, and education are significant...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014636907

The effect of payment delay on consumer purchase intention

Choy, Minkyung - 2024

While previous studies have focused on the form of payment methods as a criterion, this study proposes payment delay as a new criterion and examines the relationship between consumers' need for closure (NFC) and temporal construal in payment situations. Three empirical studies were conducted...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015072403

Annual report ...

EU Payment Observatory - Luxembourg : Publications Office of the European Union - 2023-

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014512217

Essays in the economics of payments

Moracci, Elia - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015334640

Switching from cash to cashless payments during the COVID-19 pandemic and beyond

Wisniewski, Tomasz Piotr; Polasik, Michal; Kotkowski, … - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015426634

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Switching from cash to cashless payments during the COVID-19 pandemic and beyond

Wisniewski, Tomasz Piotr; Polasik, Michal; Kotkowski, … - 2021

Book / Working Paper

You are how you pay: understanding and identifying the payment behavior of sociodemographic groups

Mäder, Aurel Ruben; Jüttner, Matthias Paul; … - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015185145

The merchant’s hand in the consumer’s choice of payment instruments : an agent-based model

Bergmann, Philip; Weber, Anne; Ego, Niklas - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015666891

Euro area consumers' payment behaviour and banking digitalisation

Meyer, Justus; Teppa, Federica - 2023 - This draft: 19 March 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014234707

The Pandemic, Cash and Retail Payment Behaviour : Insights from the Future of Payments Database

Auer, Raphael A.; Cornelli, Giulio; Frost, Jon - 2023

The Covid-19 pandemic has been a shock to retail payment behaviour. How have the changes differed across countries? What do they imply for the future of cash and digital payments? We assemble a new “Future of Payments” database on retail payment behaviour for up to 95 countries over...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014261473

The evolution of consumer payments in Australia : results from the 2022 consumer payments survey

Livermore, Tanya; Mulqueeney, Jack; Nguyen, Thuong; … - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015066098

Report on the payment attitudes of consumers in Italy : results from the ECB SPACE 2022 survey

Coletti, Gabriele; Di Iorio, Alberto; Pimpini, Emanuele; … - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014433362

Cashless payments and consumer spending

Brown, Martin; Nacht, Yves; Nellen, Thomas; Stix, Helmut - 2023 - This version: November 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014464492

Cash usage in Poland in 2020 : insights into the role of the COVID-19 pandemic and spatial aspects

Kotkowski, Radosław; Manikowski, Arkadiusz - 2023

The study explores the factors likely to induce Polish customers to pay by cash, instead of payment cards, for goods and services they are purchasing. The basis of our investigation is microdata obtained in 2020, during the "Payment Habits in Poland in 2020" study, which was conducted by...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014515029

Machine Learning Modelle zur Vorhersage von Zahlungsausfällen im Energiemarkt

Stecker, Rouven; Lehrbass, Frank - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014428149

Consumer payment behaviour in Australia

Nguyen, Thuong; Watson, Benjamin - 2023

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014372575

Nudging Payment Behavior

Bonan, Jacopo; D'Adda, Giovanna; Mahmud, Mahreen; Said, … - 2023

This paper reports results from a randomized control trial with a pay-as-you-go (PAYG) solar system provider in Pakistan. In the default treatment, customers are told the amount to pay every month to keep the system active. In a first treatment, customers are assisted in planning this monthly...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015114020

Late Payment Regulation

2023

Late payments affect every sector and every Member State and disproportionately impact SMEs. Each year across Europe, thousands of SMEs go bankrupt waiting to be paid, jobs are lost and the EU's competitiveness is negatively impacted. With these revised rules, the EU is stepping up its fight...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015278687

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Late Payment Regulation

2023

Book / Working Paper

Cashless payment methods and COVID-19 : evidence from Japanese consumer panel data

Fujiki, Hiroshi - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015187712

Fines, nonpayment, and revenues : evidence from speeding tickets

Christian, Traxler; Libor, Dušek - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015459369

Opaque payments, open wallets : the relationship between payment transparency and overspending

Sjam, Amelina Apricia - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015560819

Effects of covid-19 on payment method preferences of poles

Kubiczek, Jakub - 2022

Repeated payments create a certain habit in terms of the preferred payment method. Its formation stems from the simultaneous effect of a variety of factors, while its persistent character implies a difficulty in its change. The outbreak of the COVID-19 pandemic has influenced the terms of how...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013490652

Consumer payment preferences in the euro area

Kajdi, László - 2022

Payments are a key focus of central banks, as - together with the safe, efficient operation of the payments market - wide access to cash is fundamentally important for a healthy economy. In this study, three main research areas were investigated: 1. socioeconomic characteristics that can be...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013373669

The 2012 Diary of Consumer Payment Choice

Greene, Claire; Schuh, Scott D.; Stavins, Joanna - 2022

This paper describes the results, content, and methodology of the 2012 Diary of Consumer Payment Choice (DCPC), the first edition of a survey that measures payment behavior through the daily recording of U.S. consumers? spending by type of payment instrument. A diary makes it possible to collect...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013298352

Ctrl+C ctrl+pay : do people mirror payment behaviour of their peers?

Cruijsen, Carin van der; Knoben, Joris - 2018

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011918130

Pay cash, buy less trash? : evidence from German payment diary data

Eschelbach, Martina - 2017

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 temporary budget constraint and also reinforces the pain of...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011731452

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Pay cash, buy less trash? – Evidence from German payment diary data

Eschelbach, Martina - 2017

Book / Working Paper

The use of cash by households in the euro area

Esselink, Henk; Hernández, Lola - 2017

Although euro banknotes and coins have been in circulation for fifteen years, not much is known about the actual use of cash by households. This paper presents an estimation of the number and value of cash transactions in all 19 euro area countries in 2016, based on survey results. It presents...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011752271

More of the same : painful payment methods decrease variety seeking

Huang, Liang; Siddiqui, Rafay A.; Pocheptsova Ghosh, … - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015125498

Gender and racial behavior in consumer payment methods under economic uncertainty

Garcia, Raffi E.; Harithsa, Jyothsna G. - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015324408

Payment habits of the Hungarian households in 2020

Deák, Vivien; Nemecskó, István; Végső, Tamás - 2021

The transition from the state ownership to market mechanisms in Hungary fundamentally altered the geography of domestic micro, small, and medium enterprises (SMEs). This study investigates the spatial and temporal evolution of owner numbers, using data on all Hungarian SMEs between 1991 and 2019...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013041112

Incentivizing behavioral change : the role of time preferences

Aggarwal, Shilpa; Dizon-Ross, Rebecca; Zucker, Ariel D. - 2020

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012221134

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Incentivizing behavioral change : the role of time preferences

Aggarwal, Shilpa; Dizon-Ross, Rebecca; Zucker, Ariel D. - 2020

Book / Working Paper

Incentivizing Behavioral Change : The Role of Time Preferences

Aggarwal, Shilpa; Dizon-Ross, Rebecca; Zucker, Ariel D. - 2021

Book / Working Paper

Incentivizing Behavioral Change : The Role of Time Preferences

Aggarwal, Shilpa - 2020

Book / Working Paper

Has COVID changed consumer payment behavior?

Greene, Claire; Merry, Ellen; Stavins, Joanna - 2021 - This version: October 2021

The COVID-19 pandemic has caused large changes in consumer spending, including how people make their payments. We use data from a nationally representative survey of U.S. consumers collected before COVID in 2018 and 2019 and during COVID in 2020 to analyze changes in consumer payment behavior...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012705023

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Has COVID Changed Consumer Payment Behavior?

Greene, Claire; Merry, Ellen A; Stavins, Joanna - 2021

Book / Working Paper

Zahlungsverhalten in Deutschland 2020 - Bezahlen im Jahr der Corona-Pandemie : Erhebung über die Verwendung von Zahlungsmitteln

2021

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013486006

Cash-management in times of COVID-19

Alvarez, Fernando; Argente, David - 2022

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012806247

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Cash-management in times of Covid-19

Alvarez, Fernando; Argente, David - 2021

Article

Cash-Management in Times of COVID-19

Alvarez, Fernando; Argente, David - 2021

Book / Working Paper

The determinants of consumer cash usage in Turkey

Çevik, Saygın; Teber, Dilan - 2021

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013170974

COVID-19 pandemic increases the divide between cash and cashless payment users in Europe

Kotkowski, Radoslaw; Polasik, Michal - 2021

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10013209527

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COVID-19 pandemic increases the divide between cash and cashless payment users in Europe

Kotkowski, Radoslaw; Polasik, Michal - 2021

Book / Working Paper

Payments evolution from paper to electronic : bill payments and purchases

Stavins, Joanna - 2021 - This version: April 2021

Consumer payments in the United States gradually have been shifting away from paper checks for the past several years. Cash use has declined as well, although at a much slower pace. As the number of check payments has decreased, those payments have been replaced with electronic and card...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012581421

Payment behaviour : the role of socio-psychological factors

Cruijsen, Carin van der; Horst, Frank van der - 2016

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10011565360

How Does Mobile Payment Technology Affect Consumer Payment Behavior?

Zhang, Liang - 2020

In recent years, mobile payment technology has been enjoying a rising popularity among consumers. While the innovation provides flexibility and convenience, it could also facilitate consumers' substitution of currency and checks by cards. Furthermore, the technology could affect consumers'...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10012834883