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Study On Usage Behaviour Regarding Non-Cash Payment Instruments





The creation of the EU Single Market and the adoption of the euro have led to the blurring of the boundaries between domestic and international affairs, leading to a new approach of the non-cash payment systems. Their development was also due to new communications technologies that have played a significant role in facilitating interbank transactions, which nowadays could be achieved much more quickly and from a multitude of physical locations. Consisting in the transfer of funds between different accounts, the non-cash payments also present a financial risk, generated by the costs associated with fraud, but also by the costs of implementing preventive and control measures. Based on these considerations, this paper analyzes the results of a qualitative marketing research, in close correlation with the statistical data on the main non-cash payment instruments used on the European market and implicitly on the Romanian market. The research was based on the in-depth semi-directive interview method and it focused mainly on identifying consumers' awareness of the various non-cash payment systems, as well as on studying their behaviour regarding the use of these payment means. A particular attention has been paid to legislation on non-cash payment fraud, but also to actions that could be taken by national and European authorities to limit the fraudulent use of various non-cash payment instruments. The results of the marketing research have highlighted a growing trend in the number of bank customers making non-cash payments, as well as a diversification of the non-cash means of payment used by them. At the same time, there was identified the existence of a reluctance from some customers, as a result of their perception of the risk of becoming victims of fraud with non-cash means of payment.

Suggested Citation

  • Cristina Balteanu, 2018. "Study On Usage Behaviour Regarding Non-Cash Payment Instruments," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 6, pages 46-53, December.
  • Handle: RePEc:cbu:jrnlec:y:2018:v:6:p:46-53

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