The use of noncash payment methods for regular payments and the household demand for cash: evidence from Japan
The use of noncash payment methods for regular payments and the household demand for cash: evidence from Japan
复制标题
使用非现金支付方式进行定期支付以及家庭对现金的需求：来自日本的证据
DOI：
10.1007/s42973-020-00049-5
复制
发表时间：
2020
期刊：
影响因子：
--
通讯作者：
Hiroshi Fujiki
中科院分区：
文献类型：
--
作者：
Hiroshi Fujiki
在日本政府致力于无现金经济之际，了解对现金和非现金支付方式的需求是日本一个重要的政策问题。以前的研究表明，对特定支付方式的需求不仅取决于交易类型的动机，如日常交易或囤积，还取决于支付环境，如账单支付或在线支付。然而，有一些研究调查了日本对支付方式的需求。我们通过研究日本家庭和个人家庭在定期付款(包括账单支付)时选择现金和非现金支付方式的数据来填补这一空白。我们发现，涉及自动取款的选择越来越受欢迎，而涉及信用卡的选择越来越受欢迎，而在单人家庭数据中只选择现金的选择越来越受欢迎。我们还发现，假设目前逐步采用非现金支付方式的速度继续下去，这些变化与家庭家庭对现金的需求减少有关，相反，与单人家庭的需求增加有关。在推动无现金社会的过程中，日本政府应该注意这样一个发现，即更频繁地使用信用卡进行定期支付并不总是与现金需求的减少相关。
Understanding the demand for cash and noncash payment methods is an important policy concern in Japan, as the Japanese government aims at a cashless economy. Previous studies show that the demand for specific payment methods depends not only on the motivations of the kind of transactions, such as day-to-day transactions or hoarding, but also on payment contexts, such as bill payments or online payments. However, a few studies have investigated the demand for payment methods by payment context in Japan. We fill this gap by examining Japanese family and single-person household data on the choice of cash and noncash payment methods for regular payments, including bill payments. We found a decreasing popularity of choices involving automatic withdrawals and an increasing popularity of choices involving credit cards in both data sets and that of choosing exclusively cash in the single-person households’ data. We also found that these changes are associated with a decreasing demand for cash in family households and, conversely, an increasing demand in single-person households, assuming that the current pace of gradual adoption of noncash payment methods continues. In promoting a cashless society, the Japanese government should pay attention to the finding that a more frequent use of credit cards for regular payments is not always associated with a decrease in the demand for cash.
金融素养指数的估算：使用日本调查数据的案例研究
DOI：
--
发表时间：
2018
期刊：
影响因子：
--
作者：
Hiroshi FUJIKI;Takayasu Ito;Hiroshi FUJIKI;永野 護;吉川大介;Takayasu Ito;永野 護;Hiroshi FUJIKI;永野 護;Hiroshi FUJIKI;Takayasu Ito;永野 護;Hiroshi FUJIKI
通讯作者：
Hiroshi FUJIKI