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Linkages between Consumer Payments and Credit

In: Household Credit Usage

Author

Listed:
  • Sujit Chakravorti

Abstract

Payors, those that make payments, and payees, those that receive payments, choose among various payment instruments based on their preferences toward convenience, risk, and cost. According to a recent U.S. survey, the usage of payment cards is increasing as a proportion of in-store sales while check usage continues to decrease (American Bankers Association and Dove Consulting 2005). Recently, a café in Washington, D.C. stopped accepting cash for purchases primarily because of the cost of safekeeping (National Public Radio 2006). This shift toward electronic payments is occurring because they offer greater benefits to a growing set of consumers and merchants.

Suggested Citation

  • Sujit Chakravorti, 2007. "Linkages between Consumer Payments and Credit," Palgrave Macmillan Books, in: Sumit Agarwal & Brent W. Ambrose (ed.), Household Credit Usage, chapter 0, pages 161-174, Palgrave Macmillan.
    • Handle: RePEc:pal:palchp:978-0-230-60891-7_10
    DOI: 10.1057/9780230608917_10
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    Cited by:

    1. Wilko Bolt & Sujit Chakravorti, 2008. "Economics of payment cards: a status report," Economic Perspectives, Federal Reserve Bank of Chicago, vol. 32(Q IV), pages 15-27.
    2. Wilko Bolt & Sujit Chakravorti, 2010. "Digitization of Retail Payment," DNB Working Papers 270, Netherlands Central Bank, Research Department.
    3. Sumit Agarwal & Sujit Chakravorti & Anna Lunn, 2010. "Why do banks reward their customers to use their credit cards?," Working Paper Series WP-2010-19, Federal Reserve Bank of Chicago.

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