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Payment Instruments, Financial Privacy and Online Purchases

Author

Listed:
  • Balgobin Yann
  • Bounie David
  • Quinn Martin
  • Waelbroeck Patrick

    (Telecom ParisTech, Economics and Social Sciences, 46 rue Barrault, 75634 Paris Cedex 13, France)

Abstract

The protection of financial personal data has become a major concern for Internet users in the digital economy. This paper investigates whether the consumers’ use of non-bank payment instruments that preserve financial privacy from banks and relatives may increase their online purchases. We analyze the purchasing decisions and the use of bank and non-bank payment instruments of a representative sample of French Internet consumers in 2015. Using two econometric methods, namely a two-step regression and a Bayesian Markov Chain Monte Carlo model to account for a potential endogeneity problem, we find evidence that the use of a non-bank payment instrument positively influences consumers’ online purchases.

Suggested Citation

  • Balgobin Yann & Bounie David & Quinn Martin & Waelbroeck Patrick, 2016. "Payment Instruments, Financial Privacy and Online Purchases," Review of Network Economics, De Gruyter, vol. 15(3), pages 147-168, September.
    • Handle: RePEc:bpj:rneart:v:15:y:2016:i:3:p:147-168:n:1
    DOI: 10.1515/rne-2016-0046
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    More about this item

    Keywords

    electronic commerce; endogenous binary; financial privacy; payments; variable model;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • L81 - Industrial Organization - - Industry Studies: Services - - - Retail and Wholesale Trade; e-Commerce
    • L86 - Industrial Organization - - Industry Studies: Services - - - Information and Internet Services; Computer Software

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