Evolving payment habits : Proceedings of the Bank of Finland Payment Habits Seminar 2008
Leinonen, Harry (09.11.2009)
Numero
113Julkaisija
Bank of Finland
2009
Julkaisun pysyvä osoite on
https://urn.fi/URN:NBN:fi:bof-201408071772Tiivistelmä
This publication consists of seven studies on retail payment issues presented as preliminary versions at the annual Bank of Finland Payment Habits Seminar in 2008. Interest in retail payment services has recently been growing at a fast pace among authorities and the general public. For this, there are several reasons: developments in technology, changes in the competitive framework and globalization. Authorities have become increasingly concerned about the efficiency and standardization issues of retail payments. A key topic of research appears to be the extent to which the payment habits of the general public can and should be switched to options that are more efficient for the society as a whole, as well as the means of achieving this. The current marketing setup seems to bias customers against change and to promote the use of legacy solutions and old habits instead of the modern solutions. However, recent trends for change seem to be pointing in new directions for the evolution of payment habits. Keywords: payment services, payment costs and pricing, card payments, electronic and mobile payments JEL classification numbers: G10, G18, F15, H4, L86, 033
Sisällysluettelo
Harry Leinonen
Introduction 9
Chapter 2
Mats A Bergman - Gabriela Guiburg - Björn Segendorff
Card and cash payments from a social perspective in Sweden 21
Chapter 3
Maria Tereza Cavaco
Retail payment instruments in Portugal: a brief description of costs and benefits 43
Chapter 4
Olaf Gresvik - Harald Haare
Payment habits at point of sale in Norway 71
Chapter 5
Carlos Arango - Varya Taylor
Merchant acceptance, costs, and perceptions of retail payments: a Canadian survey 101
Chapter 6
Wilko Bolt - Nicole Jonker - Corry van Renselaar
An empirical analysis of payment behaviour and debit card surchanges in the Netherlands 145
Chapter 7
Harry Leinonen
Hidden payment charges at point of sale and possible impact of increased transparency 187
Chapter 8
Päivi Heikkinen
A framework for evaluating mobile payments 223
Introduction 9
Chapter 2
Mats A Bergman - Gabriela Guiburg - Björn Segendorff
Card and cash payments from a social perspective in Sweden 21
Chapter 3
Maria Tereza Cavaco
Retail payment instruments in Portugal: a brief description of costs and benefits 43
Chapter 4
Olaf Gresvik - Harald Haare
Payment habits at point of sale in Norway 71
Chapter 5
Carlos Arango - Varya Taylor
Merchant acceptance, costs, and perceptions of retail payments: a Canadian survey 101
Chapter 6
Wilko Bolt - Nicole Jonker - Corry van Renselaar
An empirical analysis of payment behaviour and debit card surchanges in the Netherlands 145
Chapter 7
Harry Leinonen
Hidden payment charges at point of sale and possible impact of increased transparency 187
Chapter 8
Päivi Heikkinen
A framework for evaluating mobile payments 223