COVID-19 and regional shifts in Swiss retail payments.
COVID-19 and regional shifts in Swiss retail payments.
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瑞士零售付款的COVID-19和区域转变。
DOI：
10.1186/s41937-020-00061-x
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发表时间：
2020
影响因子：
--
通讯作者：
Nellen T
中科院分区：
文献类型：
--
作者：
Kraenzlin S;Meyer C;Nellen T
本文分析了 COVID-19 危机期间瑞士零售业的卡支付情况。我们提供有关总体效应和区域变化的证据。从城市到郊区和农村地区以及各州之间都可以观察到明显的变化（这种变化在封锁后持续存在）。数据使我们能够直接识别转变的两个来源：“游客和商务旅行者”和“电子商务”。我们间接确定了其他来源：感染风险、封锁措施、在家工作、购物旅游和现金替代。 COVID-19 危机似乎强化了先前存在的趋势，这些趋势对经济的影响可能比预期更快。我们的分析强调了实时卡支付数据对于为政策制定者提供信息的有用性。
This paper analyzes card payments to the retail sector in Switzerland during the COVID-19 crisis. We provide evidence on aggregate effects and regional shifts. Pronounced shifts—which persisted post-lockdown—can be observed from urban to suburban and rural areas and among cantons. Data allow us to identify directly two sources of shifts: “tourists and business travelers” and “e-commerce.” We indirectly identify additional sources: infection risk, lockdown measures, working from home, shopping tourism, and cash substitution. The COVID-19 crisis seems to have reinforced pre-existing trends that may have faster than anticipated effects on the economy. Our analysis underscores the usefulness of real-time card payment data to inform policymakers.