Pandemic payment patterns.
Pandemic payment patterns.
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DOI：
10.1016/j.jbankfin.2022.106593
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发表时间：
2022-10
影响因子：
3.7
通讯作者：
Bolt, Wilko
中科院分区：
文献类型：
--
作者：
Jonker, Nicole;van der Cruijsen, Carin;Bijlsma, Michiel;Bolt, Wilko
COVID-19暂时改变了不同支付方式的相对成本和收益：现金在健康风险、易用性和被接受的可能性方面变得更加昂贵，而借记卡的使用成本变得更低。因此，消费者已经不再使用现金。基于2018年1月至2021年12月期间在荷兰消费者代表性小组中收集的独特每日支付日记调查数据，我们研究了荷兰在2020年和2021年两个封锁期内支付行为和支付偏好的变化。自第一次封锁开始以来，以现金为代价使用借记卡的可能性与其趋势水平相比增加了12个百分点。在第一次封锁结束后的几个月里，大约60%的这种转变在自主趋势的基础上持续了几个月，其中一部分在第二次封锁结束后持续了几个月。结果显示，疫情加速了借记卡在POS的使用量增加，尤其是在第一个疫情年度。此外，疫情导致支付偏好转向更多非接触式支付。这两种影响对老年人来说都是最大的。
COVID-19 has temporarily changed the relative costs and benefits of different payment methods: cash has become more costly in terms of health risks, ease of use and likelihood of acceptance, whereas debit card usage has become less costly. As a result, consumers have shifted away from cash. Based on unique daily payment diary survey data collected between January 2018 and December 2021 amongst a representative panel of Dutch consumers, we study the shift in payment behaviour and payment preferences during two lockdown periods in the Netherlands in 2020 and 2021. Since the start of the first lockdown the likelihood of debit card usage at the expense of cash has increased by 12 percentage points compared to its trend level. About 60 percent of this shift on top of the autonomous trend persisted several months after the end of the first lockdown and part of it has persisted several months after the end of the second lockdown. The results indicate that the pandemic accelerated the increased usage of debit card at the POS, especially during the first pandemic year. Also, the pandemic has resulted in a shift in payment preferences towards more contactless payments. Both effects are largest for elderly people.
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影响因子：
1.6
作者：
Jonker, Nicole;Kosse, Anneke
通讯作者：
Kosse, Anneke
影响因子：
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影响因子：
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通讯作者：
van Renselaar, Corry
影响因子：
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通讯作者：
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影响因子：
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