Towards financial inclusion: Trust in banks’ payment services among groups at risk

Broekhoff, Marie-Claire; van der Cruijsen, Carin; de Haan, Jakob

doi:10.1016/j.eap.2024.02.038

Economic Analysis and Policy

2024

DOI: 10.1016/j.eap.2024.02.038

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Towards financial inclusion: Trust in banks’ payment services among groups at risk

Marie-Claire Broekhoff,

Carin van der Cruijsen,

Jakob de Haan

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2024

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Uncovering the digital payment divide: Understanding the importance of cash for groups at risk

van der Cruijsen,

Reijerink

2024

Journal of Consumer Affairs

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The transition to digital payments is an ongoing trend, yet cash remains important for a substantial and diverse group of individuals. This emerges from a study using rich payment diary data of Dutch consumers. A total of 7% of the respondents report always using cash at points of sale and 28% indicate they cannot do without cash. Cash is especially important for people with low digital literacy, people who are blind or visually impaired, people with limited or no hand function, people with a mild intellectual disability and people who find it difficult to make ends meet on their income. Even though many parties involved in the payment industry are developing their payment solutions to enhance accessibility for a broader audience, there will continue to be people for whom the use of digital payments poses significant challenges. It is therefore essential that cash remains accessible and available.

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Uncovering the digital payment divide: Understanding the importance of cash for groups at risk

van der Cruijsen,

Reijerink

2024

Journal of Consumer Affairs

Self Cite

View full text Add to dashboard Cite

show abstract

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Towards financial inclusion: Trust in banks’ payment services among groups at risk

Cited by 1 publication

References 39 publications

Uncovering the digital payment divide: Understanding the importance of cash for groups at risk

Uncovering the digital payment divide: Understanding the importance of cash for groups at risk

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