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Jonker, Nicole
Hernandez, Lola
de Vree, Renate
Zwaan, Patricia
Year of Publication: 
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International Cash Conference 2017 – War on Cash: Is there a Future for Cash? 25 - 27 April 2017, Island of Mainau, Germany
In this study, we present and discuss the results of a longitudinal survey on consumers’ payment behaviour carried out yearly during the period 2010 to 2016. We have collected data among 119,117 Dutch consumers aged 12 years and older using single day payment diaries. Between 2010 and 2013 the field work was carried out in September, whereas from 2014 onwards the field work has taken place during the whole year. The results reveal a gradual substitution of cash by debit card payments between 2010 and 2016. Between 2012 and 2013, the substitution process slowed down, probably due to the economic crisis. In 2015 Dutch consumers for the first time made more payments with debit cards than with cash.
Cash usage
debit card usage
diary data
Document Type: 
Conference Paper
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