{"id":"https://openalex.org/W2094018124","doi":"https://doi.org/10.2139/ssrn.1529285","title":"Choosing and Using Payment Instruments: Evidence From German Microdata","display_name":"Choosing and Using Payment Instruments: Evidence From German Microdata","publication_year":2010,"publication_date":"2010-01-01","ids":{"openalex":"https://openalex.org/W2094018124","doi":"https://doi.org/10.2139/ssrn.1529285","mag":"2094018124"},"language":"en","primary_location":{"id":"doi:10.2139/ssrn.1529285","doi":"https://doi.org/10.2139/ssrn.1529285","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.1529285","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},"volume":null,"type":"preprint","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.2139/ssrn.1529285","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5058672713","display_name":"Ulf von Kalckreuth","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I74623043","display_name":"Deutsche Bundesbank","ror":"https://ror.org/03jvfq589","country_code":"DE","type":"other","lineage":["https://openalex.org/I74623043"]}],"countries":["DE"],"is_corresponding":false,"raw_author_name":"Ulf von Kalckreuth","raw_affiliation_strings":["Deutsche Bundesbank, Wilhelm-Epstein-Strasse 14, Frankfurt/Main D-60431, Germany","Deutsche Bundesbank"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Deutsche Bundesbank, Wilhelm-Epstein-Strasse 14, Frankfurt/Main D-60431, Germany","institution_ids":["https://openalex.org/I74623043"]},{"raw_affiliation_string":"Deutsche Bundesbank","institution_ids":["https://openalex.org/I74623043"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100605106","display_name":"Tobias F. N. Schmidt","orcid":"https://orcid.org/0000-0002-8552-7893","observed_orcids":["https://orcid.org/0000-0002-8552-7893"]},"institutions":[{"id":"https://openalex.org/I74623043","display_name":"Deutsche Bundesbank","ror":"https://ror.org/03jvfq589","country_code":"DE","type":"other","lineage":["https://openalex.org/I74623043"]}],"countries":["DE"],"is_corresponding":true,"raw_author_name":"Tobias Schmidt","raw_affiliation_strings":["Deutsche Bundesbank - Research Center, Wilhelm-Epstein-Str. 14, Frankfurt/Main, 60431, Germany","Deutsche Bundesbank - Research Center"],"raw_orcid":"https://orcid.org/0000-0002-8552-7893","affiliations":[{"raw_affiliation_string":"Deutsche Bundesbank - Research Center, Wilhelm-Epstein-Str. 14, Frankfurt/Main, 60431, Germany","institution_ids":["https://openalex.org/I74623043"]},{"raw_affiliation_string":"Deutsche Bundesbank - Research Center","institution_ids":["https://openalex.org/I74623043"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5071222282","display_name":"Helmut Stix","orcid":"https://orcid.org/0000-0003-3307-4658","observed_orcids":["https://orcid.org/0000-0003-3307-4658"]},"institutions":[{"id":"https://openalex.org/I1341874111","display_name":"National Bank of Austria","ror":"https://ror.org/00nkcmy90","country_code":"AT","type":"other","lineage":["https://openalex.org/I1341874111"]}],"countries":["AT"],"is_corresponding":false,"raw_author_name":"Helmut Stix","raw_affiliation_strings":["Oesterreichische Nationalbank - Economic Studies Division, Otto-Wagner Platz 3, POB 61, Vienna 1011, Austria","Oesterreichische Nationalbank - Economic Studies Division"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Oesterreichische Nationalbank - Economic Studies Division, Otto-Wagner Platz 3, POB 61, Vienna 1011, Austria","institution_ids":["https://openalex.org/I1341874111"]},{"raw_affiliation_string":"Oesterreichische Nationalbank - Economic Studies Division","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5100605106"],"corresponding_institution_ids":["https://openalex.org/I74623043"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":17,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.3142000138759613,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.3142000138759613,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11161","display_name":"Consumer Market Behavior and Pricing","score":0.15080000460147858,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.1485999971628189,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/payment-methods","display_name":"payment methods","score":0.8309999704360962},{"id":"https://openalex.org/keywords/cash-use","display_name":"cash usage","score":0.878000020980835},{"id":"https://openalex.org/keywords/credit-card-ownership","display_name":"credit card ownership","score":0.9089999794960022},{"id":"https://openalex.org/keywords/debit-cards","display_name":"debit cards","score":0.8379999995231628},{"id":"https://openalex.org/keywords/payment-behavior","display_name":"payment behavior","score":0.6850000023841858},{"id":"https://openalex.org/keywords/consumer-choice","display_name":"consumer choice","score":0.6710000038146973},{"id":"https://openalex.org/keywords/transaction-costs","display_name":"transaction costs","score":0.5690000057220459},{"id":"https://openalex.org/keywords/german-consumers","display_name":"German consumers","score":0.5669999718666077}],"concepts":[{"id":"https://openalex.org/C2778355071","wikidata":"https://www.wikidata.org/wiki/Q1933849","display_name":"Microdata (statistics)","level":4,"score":0.8676250576972961},{"id":"https://openalex.org/C154775046","wikidata":"https://www.wikidata.org/wiki/Q188","display_name":"German","level":2,"score":0.710968017578125},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.5434097051620483},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.48683542013168335},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.4231386184692383},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.36634886264801025},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.346283495426178},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.3404785394668579},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.23000764846801758},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.150202214717865},{"id":"https://openalex.org/C149923435","wikidata":"https://www.wikidata.org/wiki/Q37732","display_name":"Demography","level":1,"score":0.13346007466316223},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.13336977362632751},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.10304546356201172},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.09415072202682495},{"id":"https://openalex.org/C52130261","wikidata":"https://www.wikidata.org/wiki/Q39825","display_name":"Census","level":3,"score":0.0},{"id":"https://openalex.org/C2908647359","wikidata":"https://www.wikidata.org/wiki/Q2625603","display_name":"Population","level":2,"score":0.0}],"mesh":[],"locations_count":8,"locations":[{"id":"doi:10.2139/ssrn.1529285","doi":"https://doi.org/10.2139/ssrn.1529285","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.1529285","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},{"id":"pmh:oai:RePEc:ecb:ecbwps:20091144","doi":null,"is_oa":false,"landing_page_url":"https://www.ecb.europa.eu//pub/pdf/scpwps/ecbwp1144.pdf","pdf_url":"https://www.ecb.europa.eu//pub/pdf/scpwps/ecbwp1144.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},{"id":"pmh:oai:RePEc:zbw:bubdp1:200936","doi":null,"is_oa":false,"landing_page_url":"https://www.econstor.eu/bitstream/10419/30032/1/61738505X.pdf","pdf_url":"https://www.econstor.eu/bitstream/10419/30032/1/61738505X.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},{"id":"pmh:oai:aleph.bib-bvb.de:BVB01-021308512","doi":null,"is_oa":false,"landing_page_url":"http://www.bundesbank.de/download/volkswirtschaft/dkp/2010/200936dkp.pdf","pdf_url":"http://www.bundesbank.de/download/volkswirtschaft/dkp/2010/200936dkp.pdf","source":null,"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"text"},{"id":"pmh:oai:econstor.eu:10419/153578","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/10419/153578","pdf_url":"https://www.econstor.eu/bitstream/10419/153578/1/ecbwp1144.pdf","source":{"id":"https://openalex.org/S4306401696","display_name":"Econstor (Econstor)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"doc-type:workingPaper"},{"id":"pmh:oai:aleph.bib-bvb.de:BVB01-018884279","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/10419/30032","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"text"},{"id":"pmh:oai:aleph.bib-bvb.de:BVB01-021308533","doi":null,"is_oa":false,"landing_page_url":"http://digitool.hbz-nrw.de:1801/webclient/DeliveryManager?pid=3685130&custom_att_2=simple_viewer","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"text"},{"id":"pmh:oai:econstor.eu:10419/30032","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/10419/30032","pdf_url":null,"source":{"id":"https://openalex.org/S4306401696","display_name":"Econstor (Econstor)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"doc-type:workingPaper"}],"best_oa_location":{"id":"doi:10.2139/ssrn.1529285","doi":"https://doi.org/10.2139/ssrn.1529285","is_oa":true,"landing_page_url":"https://doi.org/10.2139/ssrn.1529285","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":null,"raw_type":"posted-content"},"sustainable_development_goals":[],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":26,"referenced_works":["https://openalex.org/W154239196","https://openalex.org/W1569843694","https://openalex.org/W1996314314","https://openalex.org/W2011160609","https://openalex.org/W2044684904","https://openalex.org/W2047569321","https://openalex.org/W2062786849","https://openalex.org/W2062979987","https://openalex.org/W2086808376","https://openalex.org/W2098910318","https://openalex.org/W2099735831","https://openalex.org/W2100090082","https://openalex.org/W2123908125","https://openalex.org/W2124758339","https://openalex.org/W2129779539","https://openalex.org/W2135839350","https://openalex.org/W2163946189","https://openalex.org/W2227140539","https://openalex.org/W2313819453","https://openalex.org/W2808838154","https://openalex.org/W3121921125","https://openalex.org/W3122292291","https://openalex.org/W3123111954","https://openalex.org/W3123678320","https://openalex.org/W3124428210","https://openalex.org/W3125543806"],"related_works":["https://openalex.org/W7100835166","https://openalex.org/W7100457925","https://openalex.org/W2253449312","https://openalex.org/W3178151223","https://openalex.org/W1570956837","https://openalex.org/W2953262589","https://openalex.org/W1893046654","https://openalex.org/W2805018127","https://openalex.org/W2024612583","https://openalex.org/W2933038911"],"abstract_inverted_index":null,"counts_by_year":[{"year":2020,"cited_by_count":2},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":1},{"year":2016,"cited_by_count":1},{"year":2014,"cited_by_count":4},{"year":2013,"cited_by_count":2},{"year":2012,"cited_by_count":2}],"updated_date":"2026-09-29T14:09:16.559479","created_date":"2016-06-24T00:00:00"}