Consumer payment choices: Room for further digisation?

A. Kosse

Research output: ThesisDoctoral Thesis

11 Citations (Scopus)
1152 Downloads (Pure)


There is a large variety of instruments that consumers can use for making payments. The use of electronic payment instruments, such as payment cards and online transfers, has considerably increased over the past decades. Yet, consumers still heavily rely on cash and other paper-based means of payment. The objective of this thesis is to examine the drivers underlying consumers’ choice of which payment instruments to use for their transactions. More specifically, in three empirical studies, this thesis examines how consumers’ payment choices are influenced by foreign backgrounds and by payments safety. However, as having accurate data on the use of payment instruments is key to assessing the drivers underneath, this thesis first takes one step back and provides a profound analysis of how to best measure consumers’ payment behaviour, and in particular their use of cash.
Original languageEnglish
QualificationDoctor of Philosophy
Awarding Institution
  • Tilburg University
  • Berndsen, Ron, Promotor
  • Eijffinger, Sylvester, Promotor
Award date10 Mar 2014
Place of PublicationTilburg
Print ISBNs9789056683832
Publication statusPublished - 2014


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