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L’usage des espèces en France : priorité aux transactions de faible valeur

Author

Listed:
  • Emmanuelle Politronacci
  • Adeline Moret
  • David Bounie
  • Abel François

Abstract

Cet article exploite les données françaises d’une enquête sur l’utilisation des espèces dans la zone euro, publiée fin 2017 pour le compte de la Banque centrale européenne. Les espèces s’avèrent être le moyen de paiement privilégié dans les points de vente de la zone euro : elles représentent trois paiements sur quatre et plus de la moitié de la valeur des achats. Les résultats par pays sont toutefois hétérogènes, la France se distinguant par un usage concentré sur les achats de petit montant et par une forte propension aux paiements scripturaux. Parmi les déterminants de l’usage des espèces, les caractéristiques sociodémographiques des consommateurs (genre, âge, revenu, profession) sont peu significatives. En revanche, les caractéristiques des transactions jouent un rôle prépondérant : en particulier, la part des paiements en espèces diminue lorsque la valeur de la transaction augmente, et elle s’accroît lorsque la transaction s’effectue dans un commerce de proximité.

Suggested Citation

  • Emmanuelle Politronacci & Adeline Moret & David Bounie & Abel François, 2018. "L’usage des espèces en France : priorité aux transactions de faible valeur," Bulletin de la Banque de France, Banque de France, issue 220, pages 1-9.
  • Handle: RePEc:bfr:bullbf:2018:220:02
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    File URL: https://publications.banque-france.fr/sites/default/files/medias/documents/bulletin-bdf-220_2_web.pdf
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    References listed on IDEAS

    as
    1. John Bagnall & David Bounie & Kim P. Huynh & Anneke Kosse & Tobias Schmidt & Scott Schuh, 2016. "Consumer Cash Usage: A Cross-Country Comparison with Payment Diary Survey Data," International Journal of Central Banking, International Journal of Central Banking, vol. 12(4), pages 1-61, December.
    2. Hayashi Fumiko & Klee Elizabeth, 2003. "Technology Adoption and Consumer Payments: Evidence from Survey Data," Review of Network Economics, De Gruyter, vol. 2(2), pages 1-16, June.
    3. Esselink, Henk & Gijsel, Lola Hernandez-van, 2017. "The use of cash by households in the euro area," Occasional Paper Series 201, European Central Bank.
    4. David Bounie & Marc Bourreau & Abel François & Marianne Verdier, 2008. "La détention et l’usage des instruments de paiement en France," Revue d'Économie Financière, Programme National Persée, vol. 91(1), pages 53-76.
    5. Joanna Stavins, 2016. "The effect of demographics on payment behavior: panel data with sample selection," Working Papers 16-5, Federal Reserve Bank of Boston, revised 07 Jun 2016.
    Full references (including those not matched with items on IDEAS)

    More about this item

    JEL classification:

    • E4 - Macroeconomics and Monetary Economics - - Money and Interest Rates
    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money

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