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Von Bar- und Kartenzahlern – Aktuelle Ergebnisse zur Zahlungsmittelnutzung in Österreich

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Abstract

Der vorliegende Beitrag beleuchtet die Hauptergebnisse einer im Jahr 2016 durchgeführten Zahlungsverhaltensstudie. Die Ergebnisse zeigen, dass sich an der dominanten Rolle von Bargeld (aktuell mit einem Anteil von 82 % an den direkten Zahlungstransaktionen) in den letzten 20 Jahren nichts geändert hat. Konsistent mit den Ergebnissen vorangegangener Studien variiert der Bargeldanteil je nach Betragsklasse, Branche, Zahlungsort und nach soziodemografischen Gruppen. Neben dieser deskriptiven Analyse werden auch Erklärungsansätze für die starke Bargeldnutzung in Österreich diskutiert: eine teilweise geringe Akzeptanz von Zahlungskarten, die Bargeldhaltung sowie die Konsumentenpräferenzen. Insbesondere sagen 55 % der Befragten, dass sie in einem Geschäft vorzugsweise bar zahlen (auch wenn Kartenzahlungen möglich sind), 30 % zahlen lieber mit Karte. Ob jemand eine Bar- oder eine Kartenpräferenz hat, lässt sich nicht allein an soziodemografischen Merkmalen wie Alter, Einkommen, etc. festmachen. Am deutlichsten unterscheiden sich die zwei Gruppen darin, welche Anforderungen an ein Zahlungsmittel gestellt werden. Die diesbezüglichen Ergebnisse zeigen, dass der Bargeldanteil in Österreich auch deshalb so hoch ist, weil Bargeld für die Mehrheit den persönlichen Anforderungen an ein Zahlungsmittel besser gerecht wird als Zahlungskarten.

Suggested Citation

  • Codruta Rusu & Helmut Stix, 2017. "Von Bar- und Kartenzahlern – Aktuelle Ergebnisse zur Zahlungsmittelnutzung in Österreich," Monetary Policy & the Economy, Oesterreichische Nationalbank (Austrian Central Bank), issue 1, pages 54-85.
  • Handle: RePEc:onb:oenbmp:y:2017:i:1:b:3
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    References listed on IDEAS

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    Cited by:

    1. Katharina Allinger, 2018. "European retail payments market integration and fintech: a case study approach," Financial Stability Report, Oesterreichische Nationalbank (Austrian Central Bank), issue 36, pages 25-39.

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    More about this item

    Keywords

    Bargeld; Konsumentenzahlungen; Zahlungskarten; Geldnachfrage;
    All these keywords.

    JEL classification:

    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • E58 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Central Banks and Their Policies

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