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Research on Individual Decision Making on Payment Instruments Choice

支付工具选择的个体决策研究

基本信息

批准号：
23730300
负责人：
NAKATA Masao
金额：
$ 2.58万
依托单位：
Seijo University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Young Scientists (B)
财政年份：
2011
资助国家：
日本
起止时间：
2011 至 2013
项目状态：
已结题

来源：
https://kaken.nii.ac.jp/grant/KAKENHI-PROJECT-23730300/
关键词：
電子マネー小額決済決済システム決済制度

项目摘要

In this research, we attempted to analyze the effect of diffusion of electronic money on individual decision making on small payment instrument choice. For that purpose, we conducted the survey on the same consumers for 2 years, and made the empirical analysis by constructing the panel data.We found that the payment instrument choice behavior of the consumers with high frequent use of e-money was consistent with the existing microeconomic theory which was popular among United States and Western Europe. On the other hand, as for the consumers who keep on prefer cash, it is difficult to consistently interpret their decision making behavior by the existing theoretical model.The small payment market in Japan is quite unique in that cash dominates other payment instruments. When we investigate Japanese small payment market, it is essential that we take into account the other transaction cost such as "facility for an account balance inquiry", which was ignored by the earlier literature.

在本研究中，我们试图分析电子货币的扩散对个人小额支付工具选择决策的影响。为此，我们对同一消费者进行了两年的调查，并通过构建面板数据进行了实证分析，发现电子货币使用频率高的消费者的支付工具选择行为与现有的美国和西欧流行的微观经济理论是一致的。另一方面，对于持续偏好现金的消费者，现有的理论模型很难对他们的决策行为做出一致的解释。日本的支付市场规模较小，现金在其他支付工具中占主导地位。当我们研究日本的小额支付市场时，我们必须考虑到其他交易成本，如“账户余额查询设施”，这是早期文献所忽略的。