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• W2110316151 abstract "This paper develops and estimates a structural model of adoption and usage of payment instruments by U.S. consumers. We utilize a cross-section from the Survey of Consumer Payment Choice, a new survey of consumer behavior. Our empirical model combines the elements of a discrete-continuous model, where rst a consumer picks a product and then chooses how much to use it, with a bundled choice model, in which consumers can choose multiple products that may aect the utility derived from each other. We consider how changes in the costs of adoption and usage may dierentially aect substitution patterns. These results are particularly relevant for bank pricing of debit card services in response to the regulation of interchange fees on debit cards enacted by the Durbin Amendment to the Dodd-Frank Act which became eective on" @default.
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• W2110316151 date "2016-04-22" @default.
• W2110316151 modified "2023-10-13" @default.
• W2110316151 title "Explaining adoption and use of payment instruments by US consumers" @default.
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• W2110316151 doi "https://doi.org/10.1111/1756-2171.12129" @default.
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