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Autoren: 
Bagnall, John
Bounie, David
Huynh, Kim P.
Kosse, Anneke
Schmidt, Tobias
Schuh, Scott
Stix, Helmut
Datum: 
2014
Reihe/Nr.: 
ECB Working Paper 1685
Zusammenfassung: 
We measure consumers’ use of cash by harmonizing payment diary surveys from seven countries. The seven diary surveys were conducted in 2009 (Canada), 2010 (Australia), 2011 (Austria, France, Germany and the Netherlands), and 2012 (the United States). Our paper finds 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.
Schlagwörter: 
harmonization
money demand
payment systems
JEL: 
E41
D12
E58
Dokumentart: 
Working Paper
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