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Une analyse des facteurs de l’acceptation et de l’usage des instruments de paiement par les commerces en France

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  • David Bounie
  • Jean-Pierre Buthion
  • Abel François

Abstract

[eng] An Analysis of the Factors of the Acceptation and Use of Payment Instruments by Retailers in France . The empirical literature on the economics of payment instruments mainly focused on consumer payment behaviours. However, the recent theoretical studies on the two-sided markets applied to payment cards show that merchant plays as well a fundamental role in the use of payment instruments at the point of sale. Now, to the exception of a Canadian study realized by Arango and Taylor (2008), there is no empirical study dedicated to the analysis of the determinants of the acceptation and use of the payment instruments by retailers. Using an original data set from a survey administrated in France from March to May 2008 on a sample of 4,601 retailers who sell goods and services to final consumers, this paper aims at analyzing the factors that influence the acceptation and use of cash, check and payment card by French retailers. . Classification JEL : E42, G24, L81. [fre] La littérature empirique sur l’économie des instruments de paiement s’est principalement centrée sur l’étude des comportements de paiement des consommateurs. Pourtant, ainsi que le montrent les travaux théoriques récents sur les two-sided markets appliqués aux systèmes de paiement par carte, le marchand joue également un rôle fondamental dans l’usage des instruments de paiement au point de vente. Or, à l’exception d’une étude canadienne réalisée par Arango et Taylor (2008), il n’existe pas de travaux empiriques qui proposent des éléments explicatifs des logiques d’acceptation et d’usage des instruments de paiement par les commerces. Utilisant les données originales d’un sondage national réalisé de mars à mai 2008 auprès de 4 601 établissements qui commercialisent des biens ou des services auprès de clients finaux, l’objectif de cet article consiste précisément à analyser les facteurs qui influencent l’acceptation et l’usage des espèces, du chèque et de la carte de paiement au sein des commerces de détails en France. . Classification JEL : E42, G24, L81.

Suggested Citation

  • David Bounie & Jean-Pierre Buthion & Abel François, 2010. "Une analyse des facteurs de l’acceptation et de l’usage des instruments de paiement par les commerces en France," Revue d'Économie Financière, Programme National Persée, vol. 96(1), pages 187-213.
    • Handle: RePEc:prs:recofi:ecofi_0987-3368_2010_num_96_1_5385
    DOI: 10.3406/ecofi.2010.5385
    Note: DOI:10.3406/ecofi.2010.5385
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    References listed on IDEAS

    as
    1. Klee, Elizabeth, 2008. "How people pay: Evidence from grocery store data," Journal of Monetary Economics, Elsevier, vol. 55(3), pages 526-541, April.
    2. Marc Rysman, 2007. "An Empirical Analysis Of Payment Card Usage," Journal of Industrial Economics, Wiley Blackwell, vol. 55(1), pages 1-36, March.
    3. Humphrey, David B & Kim, Moshe & Vale, Bent, 2001. "Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 33(2), pages 216-234, May.
    4. ten Raa, Thijs & Shestalova, Victoria, 2004. "Empirical evidence on payment media costs and switch points," Journal of Banking & Finance, Elsevier, vol. 28(1), pages 203-213, January.
    5. Jean‐Charles Rochet & Jean Tirole, 2006. "Two‐sided markets: a progress report," RAND Journal of Economics, RAND Corporation, vol. 37(3), pages 645-667, September.
    6. Carlos Arango & Varya Taylor, 2008. "Merchant Acceptance, Costs, and Perceptions of Retail Payments: A Canadian Survey," Discussion Papers 08-12, Bank of Canada.
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    Cited by:

    1. Verdier, Marianne, 2012. "Interchange fees and inefficiencies in the substitution between debit cards and cash," International Journal of Industrial Organization, Elsevier, vol. 30(6), pages 682-696.

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    More about this item

    JEL classification:

    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage
    • L81 - Industrial Organization - - Industry Studies: Services - - - Retail and Wholesale Trade; e-Commerce
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • G24 - Financial Economics - - Financial Institutions and Services - - - Investment Banking; Venture Capital; Brokerage
    • L81 - Industrial Organization - - Industry Studies: Services - - - Retail and Wholesale Trade; e-Commerce

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