Did a Public Campaign Influence Debit Card Usage? Evidence from the Netherlands
Did a Public Campaign Influence Debit Card Usage? Evidence from the Netherlands
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DOI：
10.1007/s10693-017-0281-6
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发表时间：
2017-10-01
影响因子：
1.4
通讯作者：
Verburg, Johan
中科院分区：
文献类型：
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作者：
Jonker, Nicole;Plooij, Mirjam;Verburg, Johan
消费者在接触到鼓励他们更频繁地使用借记卡的公共活动后是否改变了他们的支付行为？我们使用 2005 年至 2013 年借记卡交易数据分析了 2007 年开始的此类活动的影响。总体结果显示，全国推广借记卡使用活动无论从短期还是长期来看都产生了积极影响。结果表明，针对消费者的高强度活动产生了积极影响，对某些大型零售连锁店的关注也产生了积极影响。旨在提高零售商借记卡接受度的干预措施在一定程度上是有效的。向零售商提供有关接受借记卡的好处的信息导致了更高的卡接受度，但没有找到证据证明财务激励措施对零售商的有效性。
Did consumers change their payment behaviour after being exposed to a public campaign that encouraged them to use their debit cards more often? We analysed the impact of such a campaign that started in 2007, using debit card transaction data between 2005 and 2013. The overall results show positive effects of the national campaign to promote debit card usage, both in the short and in the long run. The results suggest that high campaign intensity aimed at consumers had a positive impact, as did a focus on certain large retail chains. Interventions aimed at increasing debit card acceptance by retailers were effective to some extent. Providing information to retailers about the benefits of debit card acceptance led to higher card acceptance, but no proof was found for the effectiveness of financial incentives for retailers.