Les déterminants de la détention et de l’usage des instruments de paiement : éléments théoriques et empiriques
[fre] L’objet de cet article est de présenter l’état de la littérature théorique et empirique sur les déterminants de la détention et de l’usage par les consommateurs des instruments de paiement. Les auteurs distinguent deux grands types de déterminants : ceux liés aux instruments de paiement et aux transactions, et ceux relatifs aux individus. Ils constatent que la recherche empirique a largement contribué à la connaissance des motifs d’utilisation des instruments même si certaines questions ne sont pas encore aujourd’hui résolues. Cet article conclue en proposant quelques pistes de recherche. Classification JEL : E4, E41 [eng] The determinants of the detention and the use of the payment instruments : theoretical and empirical elements The object of this article is to present the state of the theoretical and empirical literature on the determinants of the detention and the use by the consumers of the payment instruments. We distinguish two main types of determinants : those related on the payment instruments and the transactions, and those related to the agents. We note that empirical research largely contributed to the understanding of the reasons for the use of the payment instruments even if some questions are not yet solved today. We conclude this paper by proposing further researches. JEL classification : E4, E41
Volume (Year): 83 (2006)
Issue (Month): 2 ()
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