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Vers une économie des paiements électroniques

Author

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  • David Bounie

    (ECOGE - Economie Gestion - I3 SES - Institut interdisciplinaire de l’innovation de Telecom Paris - Télécom ParisTech - I3 - Institut interdisciplinaire de l’innovation - CNRS - Centre National de la Recherche Scientifique, SES - Département Sciences Economiques et Sociales - Télécom ParisTech)

  • Abel François

Abstract

The payment industry is undergoing profound changes due to technological breakthroughs with contactless payments (cards and mobile), internet payments? This paper compares and exploits original datasets on the payment behavior of two representative samples of the French population in 2005 and 2011. The analyses clearly show that the use of the payment card has increased between 2005 and 2011 at the expense of cash and checks on small and large amounts, respectively. This can be explained by a change of the legal framework on credit consumption and co-branding, an evolution of the card acceptance, electronic commerce and a generation effect. If rates of progress between 2005 and 2011 continue, we expect the payment card will dominate purchases of very small amounts, i.e. lower than 5 ?, at the horizon of the 2030s. Classification JEL: E42.
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • David Bounie & Abel François, 2013. "Vers une économie des paiements électroniques," Post-Print hal-02286505, HAL.
    • Handle: RePEc:hal:journl:hal-02286505
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    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System

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