Cashless Stores and Cash Users

无现金商店和现金用户

2019/05/08 08:44
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对照中文英文原文
本文通过对个人消费付现金的消费者和没有信用卡或借记卡的消费者的特征分析,探讨了这一问题。

Abstract

摘要

The emergence of cashless stores has led several cities and states to ban such stores. This paper investigates this issue by characterizing consumers who pay cash for in-person purchases and consumers who do not have credit or debit cards. I construct a model of consumer payment choice and use data on payments to calibrate the burden imposed on consumers who do not have credit or debit cards from switching to cashless stores. The conclusion provides a discussion of alternatives to cash for in-person purchases that may be needed before all brick-and-mortar stores become cashless.

无现金商店的出现已经导致一些城市和州禁止此类商店。本文通过对个人消费付现金的消费者和没有信用卡或借记卡的消费者的特征分析,探讨了这一问题。我构建了一个消费者支付选择模型,并使用支付数据来校准那些没有信用卡或借记卡的消费者从转向无现金商店所承受的负担。这一结论为我们提供了一个讨论,即在所有实体店实现无现金化之前,可能需要用现金来代替当面购买。

Keywords: cashless stores; consumer payment choice; in-person purchases; alternatives to cash

关键词:无现金商店;消费者支付的选择;现场购买;替代现金

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