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La détention et l’usage des instruments de paiement en France

Author

Listed:
  • David Bounie

    () (SES - Département Sciences Economiques et Sociales - Télécom ParisTech)

  • Marc Bourreau

    () (SES - Département Sciences Economiques et Sociales - Télécom ParisTech, ECOGE - Economie Gestion - I3, une unité mixte de recherche CNRS (UMR 9217) - Institut interdisciplinaire de l’innovation - X - École polytechnique - Télécom ParisTech - MINES ParisTech - École nationale supérieure des mines de Paris - CNRS - Centre National de la Recherche Scientifique)

  • Abel François

    (LEM - Lille économie management - LEM - UMR 9221 - UCL - Université catholique de Lille - Université de Lille - CNRS - Centre National de la Recherche Scientifique)

  • Marianne Verdier

    (LTCI - Laboratoire Traitement et Communication de l'Information - Télécom ParisTech - IMT - Institut Mines-Télécom [Paris] - CNRS - Centre National de la Recherche Scientifique)

Abstract

[fre] L’objet de cet article est de proposer une photographie générale de la détention et de l’usage des instruments de paiement en France et de déterminer quels facteurs influencent les comportements de paiement des individus. Nous montrons qu’une grande majorité des Français disposent, outre les espèces, d’un chéquier et d’une carte de débit pour régler leurs dépenses. Les instruments de paiement qui permettent de gérer une trésorerie (cartes de crédit, certaines cartes accréditives ou privatives) sont moins développés. L’âge, le revenu, le diplôme et la profession influencent les taux de détention pour le chèque et la carte de débit. L’usage des instruments de paiement dépend non seulement de l’âge et du revenu de l’individu mais aussi des caractéristiques de la transaction (valeur, type de commerce, etc.). . Classification JEL : E41, E49 [eng] Detention and use of payment instruments in France . In this article, we offer a general picture of the detention and the use of payment instruments in France, and we determine which variables influence consumer payment behavior. We show that a large majority of the French hold a checkbook and a debit card to pay for their expenses. The payment instruments, that enable consumers to manage their bank account by offering them access to credit, such as credit cards and private label cards, are less developed. We show that the variables age, income, diploma and occupation influence the detention rates of the checkbook and the debit card. The use of payment instruments depends not only on age and income, but also on the characteristics of the transaction (its value, the type of store, its periodicity, etc...). . Classification JEL : E41, E49
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • David Bounie & Marc Bourreau & Abel François & Marianne Verdier, 2008. "La détention et l’usage des instruments de paiement en France," Post-Print hal-02085320, HAL.
  • Handle: RePEc:hal:journl:hal-02085320
    DOI: 10.3406/ecofi.2008.5057
    Note: View the original document on HAL open archive server: https://hal.archives-ouvertes.fr/hal-02085320
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    References listed on IDEAS

    as
    1. Wilko Bolt & David Humphrey & Roland Uittenbogaard, 2005. "The Effect of Transaction Pricing on the Adoption of Electronic Payments: A Cross-Country Comparison," DNB Working Papers 071, Netherlands Central Bank, Research Department.
    2. Whitesell, William C, 1989. "The Demand for Currency versus Debitable Accounts: A Note," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 21(2), pages 246-257, May.
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    Cited by:

    1. Emmanuelle Politronacci & Adeline Moret & David Bounie & Abel François, 2018. "L’usage des espèces en France : priorité aux transactions de faible valeur," Bulletin de la Banque de France, Banque de France, issue 220, pages 1-9.
    2. Emmanuelle Politronacci & Adeline Moret & David Bounie & Abel François, 2018. "Use of cash in France: the payment method of choice for low-value purchases," Quarterly selection of articles - Bulletin de la Banque de France, Banque de France, issue 220, pages 1-9, November-.

    More about this item

    JEL classification:

    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E49 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Other
    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E49 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Other

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