Consumer Cash Usage: A Cross-Country Comparison with Payment Diary Survey Data

By J. Bagnall, D. Bounie, Kim P. Huynh, A. Kosse, Tobias Schmidt, Scott D. Schuh, Helmut Stix. Social Science Research Network, 2014

234 citations recorded by the source corpus.

We measure consumers' use of cash by harmonizing payment diary surveys from seven countries: Australia, Austria, Canada, France, Germany, the Netherlands, and the United States (conducted 2009 through 2012). Our paper finds important cross-country differences, for example, the level of cash usage differs across countries. Cash has not disappeared as a payment instrument, especially for low-value transactions. We also find that the use of cash is strongly correlated with transaction size, demographics, and point-of-sale characteristics, such as merchant card acceptance and venue.

Subfields: Marketing, Strategy and Management

View Paper: https://www.semanticscholar.org/paper/d5d59edc50ef7a523a012078de1ae9806f58aea7

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1. Henk Esselink
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1. Henk Esselink
2. Lola Hernández

Citations in the corpus

• The Use of Cash by Households in the Euro Area (2017, background): “As discussed in Bagnall et al. (2016), credit card ownership varies more by age, income and educational group.”