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Pourquoi les détenteurs de carte de retrait retirent-ils des espèces aux guichets bancaires ?


  • David Bounie
  • Abel François


This paper aims at understanding why cardholders still withdraw cash from bank branches. Differentiating the direct and indirect costs of a withdrawal, we exploit a unique data set of a French representative sample in order to estimate the probability to withdraw cash at a bank branch conditionally to card holding. We show that (i) the indirect costs captured by income, ATM density and distance to bank branch have a statistical significant impact and (ii) the direct costs do not influence the choice of a withdrawal at a bank branch.

Suggested Citation

  • David Bounie & Abel François, 2009. "Pourquoi les détenteurs de carte de retrait retirent-ils des espèces aux guichets bancaires ?," Revue d'économie industrielle, De Boeck Université, vol. 0(1), pages 41-52.
  • Handle: RePEc:cai:reidbu:rei_125_0041

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    Cash management; Payment Instruments;


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