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The Check's in the Mail: Why the United States Lags in the Adoption of Cost-Saving Electronic Payments

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  • David Humphrey
  • Lawrence Pulley
  • Jukka Vesala
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    Abstract

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    File URL: http://hdl.handle.net/10.1023/A:1008163308353
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    Bibliographic Info

    Article provided by Springer in its journal Journal of Financial Services Research.

    Volume (Year): 17 (2000)
    Issue (Month): 1 (February)
    Pages: 17-39

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    Handle: RePEc:kap:jfsres:v:17:y:2000:i:1:p:17-39

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    Web page: http://www.springerlink.com/link.asp?id=102934

    Related research

    Keywords: payments; checks; electronic payments; forecast of check use;

    References

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    Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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    1. John P. Caskey & Gordon H. Sellon, Jr., 1994. "Is the debit card revolution finally here?," Economic Review, Federal Reserve Bank of Kansas City, issue Q IV, pages 79-95.
    2. Meade, Nigel & Islam, Towhidul, 1995. "Forecasting with growth curves: An empirical comparison," International Journal of Forecasting, Elsevier, vol. 11(2), pages 199-215, June.
    3. David Humphrey & Moshe Kim & Bent Vale, 1998. "Realizing the gains from electronic payments: costs, pricing, and payment choice," Proceedings 586, Federal Reserve Bank of Chicago.
    4. Harry G. Johnson, 1968. "Problems of Efficiency in Monetary Management," Journal of Political Economy, University of Chicago Press, vol. 76, pages 971.
    5. Young, Peg & Ord, J. Keith, 1989. "Model selection and estimation for technological growth curves," International Journal of Forecasting, Elsevier, vol. 5(4), pages 501-513.
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    Cited by:
    1. Sujit Chakravorti & Timothy McHugh, 2002. "Why do we use so many checks?," Economic Perspectives, Federal Reserve Bank of Chicago, issue Q III, pages 44-59.
    2. Hyytinen, Ari & Takalo , Tuomas, 2004. "Multihoming in the market for payment media: evidence from young Finnish consumers," Research Discussion Papers 25/2004, Bank of Finland.
    3. Charles M. Kahn & William Roberds, 2002. "The economics of payment finality," Economic Review, Federal Reserve Bank of Atlanta, issue Q2, pages 1-12.
    4. Alexandrova-Kabadjova, Biliana & Negrín, José Luis, 2009. "What drives the network’s growth? An agent-based study of the payment card market," Working Paper Series 1143, European Central Bank.
    5. Milne, Alistair, 2006. "What is in it for us? Network effects and bank payment innovation," Journal of Banking & Finance, Elsevier, vol. 30(6), pages 1613-1630, June.
    6. John Galbraith & Greg Tkacz, 2008. "Electronic Transactions As High-Frequency Indicators Of Economics Activity," Departmental Working Papers 2008-04, McGill University, Department of Economics.
    7. W. Bolt & A.F. Tieman, 2003. "Pricing Debit Card Payments Services: An IO approach," WO Research Memoranda (discontinued) 735, Netherlands Central Bank, Research Department.
    8. Nicole Jonker & Anneke Kosse, 2013. "Estimating Cash Usage: The Impact of Survey Design on Research Outcomes," De Economist, Springer, vol. 161(1), pages 19-44, March.
    9. Alessandra Guariglia & Yiing Jia Loke, 2004. "What determines the value and volume of noncash transactions? Evidence from a panel of European and North American countries," Applied Economics, Taylor & Francis Journals, vol. 36(4), pages 291-303.
    10. Francisco José Callado Muñoz & Jana Hromcová & Natalia Utrero González, 2010. "Direct pricing of retail payment methods: Norway vs. US," Working Papers. Serie AD 2010-20, Instituto Valenciano de Investigaciones Económicas, S.A. (Ivie).
    11. James McAndrews & William Roberds, 2000. "The economics of check float," Economic Review, Federal Reserve Bank of Atlanta, issue Q4, pages 17-27.
    12. Kahn, Charles M. & Roberds, William, 2009. "Why pay? An introduction to payments economics," Journal of Financial Intermediation, Elsevier, vol. 18(1), pages 1-23, January.
    13. W. Bolt, 2003. "Retail Payments in the Netherlands: some Facts and Some Theory," WO Research Memoranda (discontinued) 722, Netherlands Central Bank, Research Department.
    14. Hromcová, Jana & Callado-Muñoz, Francisco J. & Utrero-González, Natalia, 2014. "Effects of direct pricing of retail payment methods in Norway," Economic Modelling, Elsevier, vol. 37(C), pages 428-438.
    15. Alexander F. Tieman & Wilko Bolt, 2003. "Pricing Debit Card Payment Services," IMF Working Papers 03/202, International Monetary Fund.
    16. Martikainen, Emmi & Schmiedel, Heiko & Takalo, Tuomas, 2013. "Convergence in European retail payments," Occasional Paper Series 147, European Central Bank.
    17. Guido K. Schaefer, 2008. "An Economic Analysis of the Single Euro Payments Area (SEPA)," FIW Working Paper series 011, FIW.
    18. Wilko Bolt & Sujit Chakravorti, 2010. "Digitization of Retail Payment," DNB Working Papers 270, Netherlands Central Bank, Research Department.

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