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Keywords:Debit cards 

Working Paper
Competition and credit and debit card interchange fees: a cross-country analysis

This paper seeks to provide a bridge between the theoretical and empirical literatures on interchange fees. Specifically, the paper confronts theory with practice by asking, to what extent do existing models of interchange fees match up with actual interchange fee practices in various countries? For each of four countries?Australia, the Netherlands, the UK, and the United States?models that ?best? fit the competitive and institutional features of that country?s payment card market are identified, and the implications of those model are compared to actual practices. Along what competitive ...
Payments System Research Working Paper , Paper PSR WP 05-03

Briefing
Potential effects of an increase in debit card fees

Recently announced changes to debit card interchange fees could lead to an increase in the cost of debit cards to consumers. This brief analyzes the potential effects of an increase in debit card fees or in bank account fees by using the results of the 2008 and 2009 Survey of Consumer Payment Choice (SCPC). The main findings are that: 1) consumers with the least amount of education (less than a high school diploma), the lowest annual income (below $25,000), and the youngest age (under 25 years) consider cost to be the most important payment characteristic. It is probable that these consumers ...
Public Policy Brief

Working Paper
Consumers' use of debit cards: patterns, preferences, and price response

Debit card use at the point of sale has grown dramatically in recent years in the U.S., and now exceeds the number of credit card transactions. However, many questions remain regarding patterns of debit card use, consumer preferences when using debit, and how consumers might respond to explicit pricing of card transactions. Using a new nationally representative consumer survey, this paper describes the current use of debit cards by U.S. consumers, including how demographics affect use. In addition, consumers' stated reasons for using debit cards are used to analyze how consumers substitute ...
Finance and Economics Discussion Series , Paper 2006-16

Report
Merchant steering of consumer payment choice: lessons learned from consumer surveys

Recent policy changes allow merchants to influence consumers? choice of payment instruments by offering price discounts and other incentives. This report describes lessons learned from using consumer survey responses to assess whether merchants tried to influence buyers? choice of payment method. To measure the effects of these recent policy changes, we included questions about merchant steering in pilot versions of a new diary survey of U.S. consumers. Our findings are inconclusive because some respondents interpreted the questions differently from the way we intended. This report aims to ...
Research Data Report , Paper 13-1

Conference Paper
Central Bank session comments

Proceedings – Payments System Research Conferences , Issue May , Pages 265-268

Conference Paper
The economics of interchange fees and their regulation : an overview

Proceedings – Payments System Research Conferences , Issue May , Pages 73-120

Journal Article
Banking industry evolution along the Texas-Mexico border

Southwest Economy , Issue Jul , Pages 11-13

Conference Paper
The payment provider perspective

Proceedings , Paper 657

Conference Paper
Interchange in a changing market : observations from the Euro area perspective

Proceedings – Payments System Research Conferences , Issue May , Pages 279-288

Conference Paper
Interchange fees in various countries : developments and determinants

Proceedings – Payments System Research Conferences , Issue May , Pages 5-49

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Hayashi, Fumiko 8 items

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Sullivan, Richard J. 5 items

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Shy, Oz 3 items

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