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Indonesian Household Payment Choice: A Nested Logit Analysis
Journal of Central Banking Theory and Practice Pub Date : 2020-07-01 , DOI: 10.2478/jcbtp-2020-0032
Nur Annisa Hasniawati 1 , Eva R. Lase 1 , Akhis R. Hutabarat 1
Affiliation  

Abstract We examine the preferences of respondents for six types of payment instruments, namely cash, debit and credit cards, card and server-based electronic money, and internet or mobile banking. By applying a nested logit model to 500 household data covering six provincial capitals in Indonesia, we find that the decision to choose payment instruments is made sequentially. Socio-economic characteristics, including education, age, income, and transaction objectives or functionality have a significant effect on the probability of using non-cash electronic payment instruments. We find a substitution pattern between payment instruments, not only between cash and non-cash instruments but also between non-cash instruments. In light of these findings, appropriate payment system policies are in order to hasten the use of non-cash payment.

中文翻译:

印尼家庭支付选择:嵌套Logit分析

摘要我们研究了受访者对六种付款方式的偏好,即现金,借记卡和信用卡,基于卡和服务器的电子货币以及互联网或移动银行。通过对印度尼西亚六个省会城市的500个家庭数据应用嵌套logit模型,我们发现选择付款工具的决定是顺序做出的。社会经济特征,包括教育程度,年龄,收入以及交易目标或功能,对使用非现金电子支付工具的可能性产生重大影响。我们发现支付工具之间的替代模式,不仅在现金和非现金工具之间,而且也在非现金工具之间。鉴于这些发现,适当的支付系统政策是为了加快非现金支付的使用。
更新日期:2020-07-01
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