Arbeitspapier

Consumer cash usage: a cross-country comparison with payment diary survey data

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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.

Language
Englisch

Bibliographic citation
Series: ECB Working Paper ; No. 1685

Classification
Wirtschaft
Demand for Money
Consumer Economics: Empirical Analysis
Central Banks and Their Policies
Subject
harmonization
money demand
payment systems

Event
Geistige Schöpfung
(who)
Bagnall, John
Bounie, David
Huynh, Kim P.
Kosse, Anneke
Schmidt, Tobias
Schuh, Scott
Stix, Helmut
Event
Veröffentlichung
(who)
European Central Bank (ECB)
(where)
Frankfurt a. M.
(when)
2014

Handle
Last update
10.03.2025, 11:45 AM CET

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Object type

  • Arbeitspapier

Associated

  • Bagnall, John
  • Bounie, David
  • Huynh, Kim P.
  • Kosse, Anneke
  • Schmidt, Tobias
  • Schuh, Scott
  • Stix, Helmut
  • European Central Bank (ECB)

Time of origin

  • 2014

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