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1 The Institute for Economic Studies Seijo University , Seijo, Setagaya Tokyo , Japan
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3 The Institute for Economic Studies Green Paper No. 59 Consumers Decision on the Choice of Small Payment Instruments Empirical Research based on the original panel survey data Masao Nakata September 2012 Abstract In recent years, electric small payment instruments have become widespread. By conducting sample surveys among the same consumers in 2009 and 2010, we show how much and in which range a new small payment tool (electronic money) encroaches the territory of the existing instruments like cash.
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12 Two-sided Market Platform Shy and Tarkka (2002), Wright (2003), M Chirugi (2006), Guthrie and Wright (2007), Choudhary and Tyagi (2009) Two-Sided Market Hayashi and Klee (2003), Borzekowski, Kiser and Ahmed (2008), Scholnick et al. (2008), Ching and Hayashi (2010) Humphrey and Berger Rysman (2007) Two-Sided Market
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26 Edy WAON Nanaco Nimoca id (NTT DOCOMo) SuicaJR QUICPay (JCB) SUGOCAJR Nimoca Edy WAON Nanaco SUGOCAJR SuicaJR id (NTT DOCOMo)
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33 VAR (2009)
34 Two-sided market Twosided market Amromin, G and S. Chakravorti (2009), Whither Loose Change? The Diminishing Demand for Small-Denomination Currency, Journal of Money, Credit and Banking, Vol. 41, No. 2-3, pp Borzekowski, R., K. K. Elizabeth, A. Shaista (2008), Consumers Use of Debit Cards: Patterns, Preferences, and Price Response, Journal of Money, Credit and Banking, Vol. 40, No. 1, pp Ching, A. T. and F. Hayashi (2010), Payment Card Rewards Programs and Consumer Payment Choice, Journal of Banking & Finance, vol. 34, pp Choudhary, V. and R. K. Tyagi (2009), Economic incentives to adopt electronic payment schemes under competition, Decision Support Systems, Vol. 46, pp Gutherie, G. and J. Wright (2007), Competing Payment Schemes, Journal of Industrial Economies, Vol. 55, No. 1, pp Hayashi, F. and Klee, E. (2003), Technology Adoption and Consumer Payments: Evidence from Survey data, Review of Network Economics, Vol. 2, pp Humphrey, D. and A. Berger (1990), Market Failure and Resource Use: Economic Incentives to Use Different Payment Instruments, in D. Humphrey, ed., The U.S. Payment System: Efficiency, Risk and the Role of the Federal Reserve., Kluwer Academic Publishers, pp M Chirgui, M. (2006), A Model for the Use of The Electronic Purse, Applied Economics Letters, Vol. 13, pp Rochet, J. and J. Tirole (2002), Cooperation Among Competitors: Some Economics of Payment Card Associations, RAND Journal of Economics, vol. 33, pp Scholnick, B., Massoud, N., Saunders, A., Carbo-Valverde, S. and Rodríguez-Fernández, F. (2008), The economics of credit cards, debit cards and ATMs: a survey and some new evidence, Journal of Banking and Finance, Vol. 32, pp Shy, O. and J. Tarkka (2002), The Market for Electronic Cash Cards, Journal of Money, Credit and Banking, vol. 34, No. 2, pp Wright, J. (2003), Optimal Card Payment Systems, European Economic Review, vol. 47, pp
35 Zinman, J. (2009), Debit or credit?, Journal of Banking & Finance, vol. 33, pp (1999)IMES Discussion Paper Series No. 99-J-16 (2005) (34) (2009) (2007) PRI Discussion Paper Series 07A-19 (2009)Vol. 4, No. 1, April 2009 (2010) (2011)BOJ Reports & Research Papers
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