The Choice at the Checkout : Quantifying Demand Across Payment Instruments

  title={The Choice at the Checkout : Quantifying Demand Across Payment Instruments},
  author={Ron Borzekowski and Elizabeth K. Kiser},
Dramatic changes have occurred in the U.S. payment system over the past two decades, most notably an explosion in electronic card-based payments. Not surprisingly, this shift has been accompanied by a series of policy debates, all of which hinge critically on understanding consumer behavior at the point of sale. Using a new nationally representative survey, we transform consumers’ responses to open-ended questions on reasons for using debit cards to estimate a characteristics-based discrete… CONTINUE READING
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