RDP 2009-04: Price Incentives and Consumer Payment Behaviour References

Borzekowski R, E Kiser and S Ahmed (2008), ‘Consumers' Use of Debit Cards: Patterns, Preferences, and Price Response’, Journal of Money, Credit and Banking, 40(1), pp 149–172.

Bounie D and A François (2006), ‘Cash, Check or Bank Card? The Effects of Transaction Characteristics on the Use of Payment Instruments’, Presented at the FMG & CASS Business School Conference, ‘Workshop on Financial Regulation and Payment Systems’, London, 28 September.

Ching A and F Hayashi (2006), ‘Payment Card Rewards Programs and Consumer Payment Choice’, Federal Reserve Bank of Kansas City Payments System Research Working Paper 06-02.

Ching A and F Hayashi (2008), ‘Payment Card Rewards Programs and Consumer Payment Choice’, Munich Personal RePEc Archive Paper No 8458.

Emery D, T West and D Massey (2008), ‘Household Payment Patterns in Australia’, in Payments System Review Conference, Proceedings of a Conference, Reserve Bank of Australia and Centre for Business and Public Policy at the Melbourne Business School, Sydney, 29 November 2007, pp 139–176.

Humphrey D, M Kim and B Vale (2001), ‘Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice’, Journal of Money, Credit, and Banking, 33(2), pp 216–234.

Klee E (2006), ‘Families' Use of Payment Instruments during a Decade of Change in the U.S. Payment System’, Board of Governors of the Federal Reserve System Finance and Economics Discussion Series No 2006-01.

Kohler M and A Rossiter (2005), ‘Property Owners in Australia: A Snapshot’, RBA Research Discussion Paper No 2005-03.

Reserve Bank of Australia (RBA) (2008a), ‘Banking Fees in Australia’, Bulletin, May, pp 79–82.

RBA (2008b), Payments System Board Annual Report, Sydney.

RBA (2008c), Reform of Australia's Payments System: Preliminary Conclusions of the 2007/08 Review, Sydney.

RBA (2009), ‘Banking Fees in Australia’, Bulletin, May, pp 11–15.

RBA and Australian Competition and Consumer Commission (2000), Debit and Credit Card Schemes in Australia: A Study of Interchange Fees and Access, Sydney.

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Stavins J (2001), ‘Effect of Consumer Characteristics on the Use of Payment Instruments’, New England Economic Review, 3, pp 19–31.

Zinman J (2008), ‘Debit or Credit?’, Working paper, Dartmouth University.