Similar documents
中田真佐男 323‐352/323‐352

橡motonishi.PDF


NRI , ,161, , ,736,663 87, ,938,239 74, ,944,577 47,667 4,085,836 30,644

電子マネー・システムにおけるセキュリティ対策:リスク管理に焦点を当てて


,.,,.,. NIRA,.,.,,, GDP.,., 1%, 2.0% 3).,,.,,., 1, 4).,,.,, GDP,.,,.,,,.,,., 2002.,,., 3), Q&A Q16 (

電子マネーと通信産業の戦略

BB 報告書完成版_修正版) doc

, 3, 1999, 4,,

第一次大戦後の日本における国債流通市場の制度改革

1 1 1 [2000]

GDPギャップと潜在成長率

OECD Benartzi and Thaler Brown et al. Mottla and Utkus Rooiji et al. Atkinson et al. MacFarland et al. Elton et al. Tang et al. Benartzi and Thaler Br


時間割引:双曲割引と弱加法性

<332D985F95B62D8FAC93638BA795DB90E690B62E706466>

表紙_目次.PDF

村本 孜71‐89/71‐89

ISSN ISBN C3033 The Institute for Economic Studies Seijo University , Seijo, Setagaya Tokyo , Japan


わが国企業による資金調達方法の選択問題

アジアの資本移動の変化に関するクラスター分析 アジア域内の証券投資活性化に向けて

untitled

bottleneckjapanese.dvi

AMR日本語版書式

取引法の観点からみた資金決済に関する諸問題

株式保有構成と企業価値 ─コーポレート・ガバナンスに関する一考察─


PDFŠpŒ{ٶ

山田正雄ゼミナール 

untitled

M&A の経済分析:M&A はなぜ増加したのか

...v..&.{..&....



OSIPP41_p1_2.eps

首都直下地震における地方財政への影響

産業・企業レベルデータで見た日本の経済成長.pdf


z.prn(Gray)

39-3/2.論説:藤井・戸前・山本・井上

2 122

WeinerWright Australia Canada

「リストラ中高年」の行方



60 Vol. 44 No. 1 2 準市場 化の制度的枠組み: 英国 教育改革法 1988 の例 Education Reform Act a School Performance Tables LEA 4 LEA LEA 3

日本の高齢者世帯の貯蓄行動に関する実証分析

ワークショップ「国際財務報告基準(IFRS)と企業行動:IFRSアドプションのインパクト」の模様

RIETI Highlight VOL.25

橡同居選択における所得の影響(DP原稿).PDF

国際流動性に関する財政的側面について

デフレ不況下の金融政策をめぐる政治過程

2 / 24

Transcription:

The Institute for Economic Studies Seijo University 6 1 20, Seijo, Setagaya Tokyo 157-8511, Japan

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.

(E-mail:nakata@seijo.ac.jp)

(2008) IC IC Edy SuicaJR ICOCAJR PASMO nanacowaon id QUICPay, Visa Touch IC

Edy

WAON Suica nimocakitacajr SUGOCAJR EdySuicaPasmoICOCA Suica PASMO nanaco WAON

Edy nanacowaon

JR suica PASMO

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

(1990) (1999) (1999) (2005) (2009) (2009) (2010) IC

IC IC IC

IC

IC QUICPay id

nimoca JR SUGOCA IC nimoca nimocasugoca Suica EdynanacoWAON Suica Pasmo

NTT goo

Nimoca SUGOCA

Edy WAON Nanaco Nimoca id (NTT DOCOMo) SuicaJR QUICPay (JCB) SUGOCAJR Nimoca Edy WAON Nanaco SUGOCAJR SuicaJR id (NTT DOCOMo)

VAR (2009)

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. 315-335. 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. 149-172. Ching, A. T. and F. Hayashi (2010), Payment Card Rewards Programs and Consumer Payment Choice, Journal of Banking & Finance, vol. 34, pp. 1773-1787 Choudhary, V. and R. K. Tyagi (2009), Economic incentives to adopt electronic payment schemes under competition, Decision Support Systems, Vol. 46, pp. 552-561. Gutherie, G. and J. Wright (2007), Competing Payment Schemes, Journal of Industrial Economies, Vol. 55, No. 1, pp. 37-67. Hayashi, F. and Klee, E. (2003), Technology Adoption and Consumer Payments: Evidence from Survey data, Review of Network Economics, Vol. 2, pp. 175-190. 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. 45-86 M Chirgui, M. (2006), A Model for the Use of The Electronic Purse, Applied Economics Letters, Vol. 13, pp. 375-378 Rochet, J. and J. Tirole (2002), Cooperation Among Competitors: Some Economics of Payment Card Associations, RAND Journal of Economics, vol. 33, pp. 549-570. 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. 1468-1483. Shy, O. and J. Tarkka (2002), The Market for Electronic Cash Cards, Journal of Money, Credit and Banking, vol. 34, No. 2, pp. 299-314 Wright, J. (2003), Optimal Card Payment Systems, European Economic Review, vol. 47, pp. 587-612

Zinman, J. (2009), Debit or credit?, Journal of Banking & Finance, vol. 33, pp. 358-366 (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