IDEAS home Printed from
   My bibliography  Save this article

Vers une économie des paiements électroniques ?


  • David Bounie
  • Abel François


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.

Suggested Citation

  • David Bounie & Abel François, 2013. "Vers une économie des paiements électroniques ?," Revue d'économie financière, Association d'économie financière, vol. 0(1), pages 283-302.
  • Handle: RePEc:cai:refaef:ecofi_109_0283

    Download full text from publisher

    File URL:
    Download Restriction: free

    File URL:
    Download Restriction: free

    Other versions of this item:

    More about this item

    JEL classification:

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


    Access and download statistics


    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:cai:refaef:ecofi_109_0283. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Jean-Baptiste de Vathaire). General contact details of provider: .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.