Eterogeneità nelle abitudini di pagamento: confronto tra paesi europei e specificità italiane (Why are Payment Habits so Heterogeneous Across and within Countries? Evidence from European Countries and Italian Regions)

Determinants of Non-Cash Payments

“…The literature using this method was initiated by Humphrey et al (1996), uses data for a panel of 14 developed countries over the period 1986-1993 to study the determinants of the volume of transactions conducted in five noncash payment instruments, namely credit and debit cards, paper and electronic cheques. Recent examples may include the research by Ardizzi and Iachini (2013), who show the differences between countries in consumption habits in different countries with respect to the method of payment for their examination and much older Guariglia and Loke (2004) and Humphrey et al (2000), based on data from the years 1990 to 1998 on a sample of only 13 OECD countries. Among the variables of interest, the authors usually use interest rates, the real value of cash in circulation and consumption.…”