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Supply- and demand-side developments influencing growth in the debit market

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  • Julia S. Cheney

Abstract

On August 3, 2006, the Payment Cards Center of the Federal Reserve Bank of Philadelphia hosted a workshop led by Ronald Congemi, senior vice president of strategic industry relations for First Data Corporation, to examine developments on both the supply side and demand side that are influencing growth in the debit card market. On the supply side, Congemi addressed banks’ increasing recognition of the importance of payments-related revenues in their institutional profit and loss statements, the effect of differences in interchange fees between PIN and signature debit, and the greater focus on cost structures for debit card issuers. On the demand side, he considered how changes in consumer payment preferences and innovations in the debit market were influencing consumer behavior and payment choice and, ultimately, competition among payment alternatives.

Suggested Citation

  • Julia S. Cheney, 2006. "Supply- and demand-side developments influencing growth in the debit market," Payment Cards Center Discussion Paper 06-11, Federal Reserve Bank of Philadelphia.
  • Handle: RePEc:fip:fedpdp:06-11
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    File URL: http://www.phil.frb.org/pcc/papers/2006/D2006OctSupplyDemandDebitMarket.pdf
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    Cited by:

    1. Anneke Kosse, 2013. "The Safety of Cash and Debit Cards: A Study on the Perception and Behavior of Dutch Consumers," International Journal of Central Banking, International Journal of Central Banking, vol. 9(4), pages 77-98, December.
    2. Kosse, Anneke, 2013. "Do newspaper articles on card fraud affect debit card usage?," Journal of Banking & Finance, Elsevier, vol. 37(12), pages 5382-5391.
    3. Anneke Kosse & David-Jan Jansen, 2011. "Choosing how to pay: the influence of home country habits," DNB Working Papers 328, Netherlands Central Bank, Research Department.
    4. Bolt Wilko & Humphrey David, 2007. "Payment Network Scale Economies, SEPA, and Cash Replacement," Review of Network Economics, De Gruyter, vol. 6(4), pages 1-21, December.
    5. Charles M. Kahn & José M. Liñares-Zegarra, 2016. "Identity Theft and Consumer Payment Choice: Does Security Really Matter?," Journal of Financial Services Research, Springer;Western Finance Association, vol. 50(1), pages 121-159, August.
    6. Éva Divéki & Dániel Listár, 2012. "Better safe than sorry: views of the Hungarian public on the security of payment instruments," MNB Bulletin (discontinued), Magyar Nemzeti Bank (Central Bank of Hungary), vol. 7(3), pages 7-27, October.

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    Keywords

    Debit cards;

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