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Compétition pour les paiements : une titanomachie revisitée par la modélisation multi-agents

Author

Listed:
  • Sandra Deungoue

    (GATE - Groupe d'analyse et de théorie économique - UL2 - Université Lumière - Lyon 2 - Ecole Normale Supérieure Lettres et Sciences Humaines - CNRS - Centre National de la Recherche Scientifique)

Abstract

L'objet de cette étude est d'analyser le rôle de la commission interbancaire de paiement sur la compétition entre entreprises de cartes de crédit et sur l'utilisation des instruments de paiement. Le caractère souvent multilatéral de cette commission, ainsi que l'impossibilité pour certains commerçants de pratiquer une discrimination entre instruments de paiement ont conduit les autorités de concurrence de différents pays à s'interroger sur la légalité de ces accords ainsi que sur le niveau optimal de ladite commission. En nous servant de la modélisation multi–agents, nous simulons un modèle de compétition bancaire permettant d'observer le niveau du bien-être général ainsi que le degré de compétition sur chaque face du marché pour différentes valeurs de la commission interchange.

Suggested Citation

  • Sandra Deungoue, 2008. "Compétition pour les paiements : une titanomachie revisitée par la modélisation multi-agents," Post-Print halshs-00269129, HAL.
  • Handle: RePEc:hal:journl:halshs-00269129
    Note: View the original document on HAL open archive server: https://halshs.archives-ouvertes.fr/halshs-00269129
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    File URL: https://halshs.archives-ouvertes.fr/halshs-00269129/document
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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. Graeme Guthrie & Julian Wright, 2003. "Competing Payment Schemes," Departmental Working Papers wp0311, National University of Singapore, Department of Economics.
    3. Kiyotaki, Nobuhiro & Wright, Randall, 1989. "On Money as a Medium of Exchange," Journal of Political Economy, University of Chicago Press, vol. 97(4), pages 927-954, August.
    4. Joshua S. Gans & Stephen P. King, 2003. "A Theoretical Analysis of Credit Card Reform in Australia," The Economic Record, The Economic Society of Australia, vol. 79(247), pages 462-472, December.
    5. Gans Joshua S & King Stephen P, 2003. "The Neutrality of Interchange Fees in Payment Systems," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 3(1), pages 1-18, January.
    6. Baxter, William F, 1983. "Bank Interchange of Transactional Paper: Legal and Economic Perspectives," Journal of Law and Economics, University of Chicago Press, vol. 26(3), pages 541-588, October.
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