Little is known about how the social environment influences payment behavior. Using detailed payment diary data of Dutch consumers we show that payment behavior is likely influenced by peer effects, especially when the environment is characterized by strong social cohesion. The results imply that besides traditional policy interventions such as consumer education, lowering costs, and enhancing the convenience of using electronic payments, diffusion and transmission of norms through social channels can enhance the adoption of electronic payments.

中文翻译：

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Ctrl+C Ctrl+Pay：人们是否会反映同行的电子支付行为？

人们对社会环境如何影响支付行为知之甚少。使用荷兰消费者的详细支付日记数据，我们表明支付行为可能受到同伴效应的影响，尤其是当环境具有很强的社会凝聚力时。结果表明，除了消费者教育、降低成本和提高使用电子支付的便利性等传统政策干预外，通过社会渠道传播和传播规范可以促进电子支付的采用。