How do we choose to pay using evolving retail payment technologies? Evidence from Japan
How do we choose to pay using evolving retail payment technologies? Evidence from Japan
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DOI：
10.1016/j.jjie.2018.05.001
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发表时间：
2018-09-01
影响因子：
2.9
通讯作者：
Tanaka, Migiwa
中科院分区：
文献类型：
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作者：
Fujiki, Hiroshi;Tanaka, Migiwa
我们考察了选择日常交易支付工具的决定因素，以及完全使用现金的家庭(仅使用现金用户)是否比仅使用信用卡、现金和信用卡或信用卡和其他支付方式(使用日本家庭数据)的家庭持有更多现金。我们得到了两个主要结果。首先，与只使用现金的人相比，持卡人普遍拥有更高的可支配收入、更多的金融资产、更好的金融知识、更年轻的户主、女性户主、更高的教育程度，并且不是个体户。这些发现表明，金融知识的提高可能会增加信用卡在日本的使用。其次，在其他家庭特征不变的情况下，日常交易金额超过1000日元的信用卡用户的现金持有量低于只持有现金的用户。
We examine the determinants of the choice of payment instruments for day-to-day transactions, and whether households that exclusively use cash (only cash users) hold more cash than households that use credit cards exclusively, cash and credit cards, or credit cards and other payment methods (card users) using Japanese household data. We obtain two main results. First, card users generally have higher disposable income, more financial assets, better financial knowledge, younger household heads, female household heads, higher educational attainment, and are not self-employed compared with only cash users. These findings suggest that an improvement in financial knowledge could increase the usage of credit cards in Japan. Second, holding other household characteristics constant, card users for day-to-day transaction values of more than 1000 yen have lower cash holdings than only cash users.