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Debit card competition: signature versus pin

Author

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  • Victor Lubasi

Abstract

This article explores costs and benefits of two types of debit card authorization methods?signature and PIN (personal identification number)?for merchants, consumers, and financial institutions. It also considers competition between signature- and PIN-based debit cards in the United States and looks at Canada's predominant usage of PIN-based debit cards.

Suggested Citation

  • Victor Lubasi, 2005. "Debit card competition: signature versus pin," Chicago Fed Letter, Federal Reserve Bank of Chicago, issue Dec.
    • Handle: RePEc:fip:fedhle:y:2005:i:dec:n:221
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    File URL: http://www.chicagofed.org/digital_assets/publications/chicago_fed_letter/2005/cfldecember2005_221.pdf
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    Cited by:

    1. Sujit Chakravorti & Victor Lubasi, 2006. "Payment instrument choice: the case of prepaid cards," Economic Perspectives, Federal Reserve Bank of Chicago, vol. 30(Q II), pages 29-43.
    2. Fumiko Hayashi & Richard J. Sullivan & Stuart E. Weiner, 2006. "A guide to the ATM and debit card industry - 2006 update," Monograph, Federal Reserve Bank of Kansas City, number 2006agttaadci2.

    More about this item

    Keywords

    Debit cards; Payment systems;

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