We review different empirical approaches that researchers have taken to estimate how
consumption responds to income changes. We critically evaluate the empirical evidence on …

This study empirically investigated the marketing perspectives of behavioral intention and
the actual use of digital payment solutions as electronic innovation for retail purchases in …

Abstract Based on the World Development Indicators data provided by the World Bank, we
investigate the effect of information and communication technology (ICT) on the profits and …

We apply machine-learning techniques to construct nonlinear nonparametric forecasting
models of consumer credit risk. By combining customer transactions and credit bureau data …

Using transaction-level data from a three-day shopping diary, we estimate a model of
consumer payment instrument choice that disentangles the effect of merchant card …

Many policymakers and some theories hold that restricting access to expensive credit helps
consumers by preventing overborrowing. I examine some effects of restricting access, using …

By using a unique data set that contains detailed information about consumer payment
choice and consumers' attitudes toward each payment method, we estimate the effects of …

Since the mid-1990s, the US payment system has undergone a transformation featuring a
significant decline in the use of paper checks that is quite uneven across consumers and not …

Empirical consumer payment price sensitivity has implications for theory, optimal regulation
of payment card networks, and business strategy. A critical margin is the price of a credit …

In card payment systems, no-surcharge rules prohibit merchants from charging consumers
extra for card payments. However, such rules are prohibited in the Netherlands. Dutch …