This article investigates the degree to which buyers choose to diversify their use of payment methods for in-person purchases. Some buyers use only one payment instrument. Others combine the use of mostly cash, credit, and debit cards, and a few paper checks and prepaid cards. To each survey respondent, I apply three concentration and inequality measures over the use of payment instruments. Results show that the average and median degree of consumers’ payment concentration only slightly decline with payment volume and exhibit almost no correlation with consumer demographics.

中文翻译：

---

消费者使用多种付款方式

本文调查了购买者选择在面对面购买中多样化使用支付方式的程度。一些购买者仅使用一种付款方式。其他的则结合使用大部分为现金，信用卡和借记卡，以及一些纸质支票和预付卡。对于每个调查对象，我在支付工具的使用上采用了三个集中度和不平等度度量。结果表明，消费者支付集中度的平均和中位数程度仅随支付量而略有下降，并且几乎与消费者人口统计没有相关性。