Cash versus Debit Card: The Role of Budget Control
Cash versus Debit Card: The Role of Budget Control
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DOI：
10.1111/joca.12112
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发表时间：
2017-03-01
影响因子：
2.8
通讯作者：
Kosse, Anneke
中科院分区：
文献类型：
--
作者：
Hernandez, Lola;Jonker, Nicole;Kosse, Anneke
由于金融危机，越来越多的家庭面临财务问题。这可能导致越来越需要监测支出和预算。我们证明，现金和借记卡被认为是有帮助的，在这方面。我们发现，平均而言，负责家庭财务决策的消费者发现现金和借记卡同样有助于监控他们的家庭财务状况。然而，个人在主要方面有所不同。特别是，低收入者和流动性受限者更喜欢现金作为预算工具。最后，我们提出的证据表明，在总体水平上，这种偏好强烈影响消费者的支付行为。这些研究结果表明，由于金融危机，用信用卡替代现金的速度可能会放缓。
Due to the financial crisis, an increasing number of households face financial problems. This may lead to an increasing need for monitoring spending and budgets. We demonstrate that both cash and the debit card are perceived as helpful in this respect. We show that, on average, consumers responsible for financial decision making within a household find cash and the debit card equally helpful for monitoring their household finances. Individuals differ in major respects, however. In particular, low earners and the liquidity-constrained prefer cash as a budgeting tool. Finally, we present evidence that at an aggregated level, such preferences strongly affect consumer payment behavior. These findings suggest that the substitution of cash by cards may slow down because of the financial crisis.