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 use 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: Working Papers ; No. 14-4

Classification
Wirtschaft
Consumer Economics: Empirical Analysis
Household Saving; Personal Finance
Demand for Money
Subject
money demand
payment systems
harmonization

Event
Geistige Schöpfung
(who)
Bagnall, John
Bounie, David
Huynh, Kim P.
Kosse, Anneke
Schmidt, Tobias
Schuh, Scott
Stix, Helmut
Event
Veröffentlichung
(who)
Federal Reserve Bank of Boston
(where)
Boston, MA
(when)
2014

Handle
Last update
10.03.2025, 11:43 AM CET

Data provider

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Object type

  • Arbeitspapier

Associated

  • Bagnall, John
  • Bounie, David
  • Huynh, Kim P.
  • Kosse, Anneke
  • Schmidt, Tobias
  • Schuh, Scott
  • Stix, Helmut
  • Federal Reserve Bank of Boston

Time of origin

  • 2014

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