Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/322345 
Year of Publication: 
2025
Series/Report no.: 
CBM Working Papers No. WP/3/2025
Publisher: 
Central Bank of Malta, Valletta
Abstract: 
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 accessibility to different payment instruments, preferred methods for conducting purchases, and perceptions of different payment instrument characteristics and new technologies such as contactless payments and digital assets. The analysis is based on data collected from 1,024 individuals in Malta. The results of this survey can assist the Central Bank of Malta and other relevant stakeholders in formulating future policy actions to enhance the payments ecosystem in Malta. Additionally, where possible, the data has been compared with the results from a similar survey published by the Central Bank of Malta in 2020.
Subjects: 
Cash
Cashless
Electronic Payment Instruments
Payments
Payment Habits
Consumer choice
JEL: 
E41
E42
E58
Document Type: 
Working Paper

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