The Cost of Convenience?
The Cost of Convenience?
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便利的成本？
DOI：
10.3368/jhr.52.4.0815-7350r1
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发表时间：
2017
期刊：
影响因子：
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通讯作者：
Simone Schaner
中科院分区：
文献类型：
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作者：
Simone Schaner
即使有成本较低的技术可用，世界各地的个人也会使用交易成本较高的储蓄设备。高成本可能有助于储户保护资源不受他人需求的影响。我通过随机将ATM卡分配给肯尼亚农村地区新开立的1100个银行账户来研究这一假设。这些卡降低了50%的取款费。虽然信用卡增加了整体账户的使用，但积极的治疗效果完全是由联合账户和男性拥有的账户推动的。我发现有证据表明，这些差异是由家庭内部问题推动的：家庭议价能力是自动取款机待遇效应的关键中介。
Individuals across the world use high-transaction-cost savings devices even when lower-cost technologies are available. High costs may help savers protect resources from the demands of others. I investigate this hypothesis by randomly assigning ATM cards to 1,100 newly opened bank accounts in rural Kenya. These cards reduced withdrawal fees by 50 percent. While the cards increased overall account use, the positive treatment effect is entirely driven by joint and male-owned accounts. I find evidence that these differences are driven by intrahousehold issues: Household bargaining power is a key mediator of the ATM treatment effect.