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| Author: | Rysman, M. |
| Title: | An empirical analysis of payment card usage |
| Journal: | Journal of Industrial Economics
2007 : MAR, VOL. 55:1, p. 1-36 |
| Index terms: | consumer behaviour credit cards networks payment systems |
| Language: | eng |
| Abstract: | This paper focuses on network effects and two-sided markets using data on the payment card industry. The results of the analysis indicate that consumers tend to centre their spending on a single payment network while having other unused cards at the same time. In addition, a regional correlation between consumer usage and merchant acceptance within the four major networks is found, which supports the existence of a feedback loop between usage and merchant acceptance. |
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