Kotkowski Radoslaw, Polasik Michal
Narodowy Bank Polski, Poland.
Nicolaus Copernicus University in Toruń, Poland.
Econ Lett. 2021 Dec;209:110139. doi: 10.1016/j.econlet.2021.110139. Epub 2021 Nov 2.
This paper investigates how the COVID-19 pandemic has changed an important aspect of everyday life, viz. how people make payments. The empirical study is based on a survey of over 5000 respondents from 22 European countries. It shows that consumers who had been making cashless payments prior to the outbreak of the pandemic have been even more likely to do so since it broke out. On the other hand, the consumers who had mostly been paying in cash have often continued to do so. The divide between those who pay in cash and those who do not, therefore, seems to have widened during the pandemic. It may suggest financial inclusion issues. Additionally, we found that the probability of more frequent cashless payments as a result of the pandemic differs considerably between countries and therefore indicate the role of country-specific factors.
本文研究了新冠疫情如何改变了日常生活的一个重要方面，即人们的支付方式。实证研究基于对来自22个欧洲国家的5000多名受访者的调查。研究表明，在疫情爆发前就进行无现金支付的消费者，自疫情爆发以来更有可能继续这样做。另一方面，那些主要使用现金支付的消费者通常仍继续如此。因此，在疫情期间，现金支付者和非现金支付者之间的差距似乎有所扩大。这可能暗示了金融包容性问题。此外，我们发现，疫情导致更频繁进行无现金支付的可能性在不同国家之间存在很大差异，因此表明了特定国家因素的作用。
