Results 101 to 110 of about 440,520 (219)
Payment Card Rewards Programs and Consumer Payment Choice [PDF]
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 ...
Ching, Andrew, Hayashi, Fumiko
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Do U.S. consumers really benefit from payment card rewards? [PDF]
Payment card rewards programs have become increasingly popular in the United States. But do consumers really benefit from rewards? In the United States, rewards are paid for primarily by the fees charged to merchants, and merchants may pass on the fees ...
Fumiko Hayashi
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A Study of the Interrelated Bilateral Transactions in Credit Card Networks [PDF]
Over the last decade, consumers have tripled their use of credit cards as more merchants have increased their acceptance of them. This increase suggests that incentives in today's marketplace favor greater credit card use by consumers and acceptance by ...
Alpa Shah, Sujit Chakravorti
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The economics of payment card fee structure: policy considerations of payment card rewards [PDF]
This paper considers possible public policies that could improve efficiency and welfare distribution in the U.S. retail payments industry. Mainly, four options, i) encouraging competition; ii) allowing merchants to surcharge; iii) regulating merchant ...
Fumiko Hayashi
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RIDIT scoring method for ranking finance fraud cases
Data Analytics and Applied MathematicsThe arising number of fraud cases poses a serious threat to financial security. Detecting fraud is challenging due to dataset characteristics, particularly the imbalance between fraudulent and non-fraudulent activities, which may lead to biased results.
Norbaiti Tukiman +6 more
doaj +1 more source
Debit card and cash usage: a cross-country analysis [PDF]
During the last decade, debit card transactions grew rapidly in most advanced countries. While check usage declined and has almost disappeared in some countries, the stock of currency in circulation has not declined as fast.
Sujit Chakravorti, Eugene Amromin
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Competing Payment Schemes [PDF]
This paper presents a model of competing payment schemes. Unlike previous work on generic twosided markets, the model allows for the fact that in a payment system users on one side of the market (merchants) compete to attract users on the other side ...
Graeme Guthrie, Julian Wright
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Card Product Use and Perception of Marketing Communication by Card Issuers among Students
Tržište, 2011 Student population is a very interesting and important segment of the market to the marketing practitioners involved in card business. The services and products offered by card issuers to students are created with a view to attracting the kind of users ...
Đurđana Ozretić Došen +1 more
doaj
Regulating two-sided markets: an empirical investigation [PDF]
We study the effect of government encouraged or mandated interchange fee ceilings on consumer and merchant adoption and usage of payment cards in an economy where card acceptance is far from complete.
Francisco Rodríguez-Fernández +2 more
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The changing nature of U.S. card payment fraud: industry and public policy options [PDF]
As credit and debit card payments have become the primary payment instrument in retail transactions, awareness of identity theft and concerns over the safety of payments has increased. Traditional forms of card payment fraud are still an important threat,
Richard J. Sullivan
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