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Kosten von Zahlungsmitteln für Konsumenten: Literaturauswertung und Sensitivitätsanalysen

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  • Krüger, Malte
  • Seitz, Franz

Abstract

Zahlungsmittelkosten für Verbraucher sind schwer zu ermitteln, werden international nicht harmonisiert erfasst und schwanken je nach Studienergebnis deutlich von Land zu Land. Sie fallen in vielfacher Form an, etwa als Gebühren für die Kontoführung, für Barabhebungen am Geldausgabeautomaten oder für Zahlungskarten; aber auch als finanzieller Schaden bei Verlust oder Betrug. Zum anderen zählen dazu auch Zeitaufwendungen, z.B. für den Bargeldbezug oder den Zahlvorgang, und Kosten der Datenpreisgabe. Zur Ermittlung der Gesamtkosten und für internationale Vergleiche werden unterschiedliche Kennziffern errechnet, so die Kosten pro Transaktion, in Prozent des Transaktionswerts oder auch relativ zum BIP. Nach einer Klärung des Kostenbegriffs liegt der Fokus unseres Papiers auf einem zunächst ein kritischer Literaturüberblick zu Kostenstudien auf Verbraucherebene. Hier werden insbesondere die Ergebnisse vorhandener Arbeiten verglichen, die wichtigsten Kostenkategorien ausgemacht und Sensitivitätsanalysen angestellt. Wir finden einige Hauptkostentreiber und zeigen auf, wie sehr die Ergebnisse häufig von Annahmen getrieben werden.

Suggested Citation

  • Krüger, Malte & Seitz, Franz, 2025. "Kosten von Zahlungsmitteln für Konsumenten: Literaturauswertung und Sensitivitätsanalysen," Weidener Diskussionspapiere 97, University of Applied Sciences Amberg-Weiden (OTH).
    • Handle: RePEc:zbw:hawdps:315756
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    More about this item

    Keywords

    Bargeld; Debitkarte; Kreditkarte; Kosten; Konsument;
    All these keywords.

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • E41 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Demand for Money
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System

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