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Payment Card Rewards Programs and Consumer Payment Choice

机译:支付卡奖励计划和消费者支付选择

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摘要

We estimate the direct effects of rewards card programs on consumer payment choice for in-store transactions. By using a data set that contains information on consumer perceived attributes of payment methods and consumer perceived acceptance of payment methods by merchants, we control for consumer heterogeneity in preferences and choice sets. We conduct policy experiments to examine the effects of removing rewards from credit and/or debit cards. The results suggest that: (i) only a small percentage of consumers would switch from electronic to paper-based payment methods, (ii) the effect of removing credit card rewards is greater than that of removing debit card rewards, and consequently, (iii) removing rewards on both credit and debit cards would reduce credit card transactions, but increase debit card transactions.
机译:我们估计了奖励卡计划对店内交易的消费者付款选择的直接影响。通过使用一个数据集,该数据集包含有关消费者对付款方式的感知属性以及商家对消费者对付款方式的接受程度的信息,我们控制了偏好和选择集中消费者的异质性。我们进行政策实验,研究从信用卡和/或借记卡中删除奖励的影响。结果表明:(i)仅一小部分消费者将从电子支付方式转换为纸质支付方式;(ii)取消信用卡奖励的效果大于取消借记卡奖励的效果,因此,(iii )取消信用卡和借记卡上的奖励会减少信用卡交易,但会增加借记卡交易。

著录项

  • 作者

    Ching Andrew; Hayashi Fumiko;

  • 作者单位
  • 年度 2008
  • 总页数
  • 原文格式 PDF
  • 正文语种 {"code":"en","name":"English","id":9}
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