Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/59245 
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dc.contributor.authorMann, Ronald J.en
dc.date.accessioned2012-06-20T16:10:02Z-
dc.date.available2012-06-20T16:10:02Z-
dc.date.issued2011-
dc.identifier.urihttp://hdl.handle.net/10419/59245-
dc.description.abstractThis paper uses data from the 2008 Survey of Consumer Payment Choice to discuss the adoption, use, and discarding of various common payment instruments. Using a nationally representative sample of individual-level data, it presents evidence in unparalleled detail about how consumers use different payment instruments. Most interestingly, it displays robust evidence of significant age- and race-related differences in payments choices. Among other things, it suggests that the range of payment instruments adopted and regularly used by blacks is narrower than that chosen by whites, presumably because of relatively limited access to financial institutions. With regard to age, it documents pervasive (and complex) age-related patterns at every step of the decisions to adopt, use, and discard payment instruments.en
dc.language.isoengen
dc.publisher|aFederal Reserve Bank of Boston |cBoston, MAen
dc.relation.ispartofseries|aPublic Policy Discussion Papers |x11-2en
dc.subject.jelD12en
dc.subject.jelD14en
dc.subject.jelE42en
dc.subject.ddc330en
dc.subject.stwZahlungsverkehren
dc.subject.stwKonsumentenverhaltenen
dc.subject.stwAltersgruppeen
dc.subject.stwEthnische Gruppeen
dc.subject.stwUSAen
dc.titleAdopting, using, and discarding paper and electronic payment instruments: Variation by age and race-
dc.typeWorking Paperen
dc.identifier.ppn661026523en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen

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