Using a survey of 5,504 respondents from 22 European countries, we examine preferences
regarding cash and cashless payments at the point of sale (POS) during the COVID-19 …

This article surveys the recent theoretical literature on payment cards (focusing on debit and
credit cards) and studies this research's possible implications for the current public policy …

In recent years, many studies have emphasized the cost-saving potential of electronic
payments. Yet, cash is still heavily used to pay for point-of-sale transactions in many …

The present paper examines the fundamental relationship between the country-level
infrastructure of the retail payment market and overall bank performance. Using data from …

The authors estimate the cost savings to the US payment system resulting from
implementing Check 21. This legislation initially permitted a paper substitute digital image of …

This study examines how the issuance of a central bank digital currency (CBDC) affects
consumers' payment instrument choices, asset allocation decisions, and the profitability of …

There are numerous ways to indicate the degree of banking competition across countries.
Antitrust authorities rely on the structure-conduct-performance paradigm while academics …

We offer a selected survey of retail payments and suggest areas where additional research
would prove useful. After summarizing eight papers presented at a recent Norges Bank …

Checks remained local payments instruments throughout virtually the entire nineteenth
century. Their significant use in interregional transactions dates only to the 1890s. We …

This paper investigates the existence and extent of economies of scale in the European
payment processing industry. It is expected that the creation of a single European payments …