English, Article, Journal or magazine article edition: The Role of Convenience and Risk in Consumers' Means of Payment Carlos Arango; Varya Taylor

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Bookmark: http://trove.nla.gov.au/version/104237
Physical Description
  • preprint
Language
  • English

Edition details

Title
  • The Role of Convenience and Risk in Consumers' Means of Payment
Author
  • Carlos Arango
  • Varya Taylor
Physical Description
  • preprint
Notes
  • Using data from a 2004 survey of the Canadian public, the authors study the role of convenience and risk in consumers' use of cash relative to debit and credit cards. The authors find that consumers who perceive debit cards and credit cards to be more convenient and less risky than cash use them more frequently. Even at low levels of perceived risk, consumers shift substantially away from cash and towards alternative payment methods. However, the authors' results reveal that there exists a lower bound for which cards can substitute for cash. Also, as other studies have shown, the relative use of cash is higher among older, less-educated, lower-income consumers.
  • Bank notes
  • RePEc:bca:bocadp:09-8
Language
  • English
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