Electronic Payments, E-Commerce and Economic Activity: Theoretical Review and New Evidence for Developed and Emerging Market Economies

May 1, 2014

This research aims to answer three questions: (i) What are the factors that drive the switch from cash and checks toward electronic payments? (ii) What are the effects of an increase in use of electronic payments on a society’s economic welfare? And (iii) if electronic payments are welfare improving, how can its adoption be further encouraged?

The answers are:

(i) A tipping point in the switch from cash and checks to electronic payments is typically triggered by the dynamic interaction between technological progress and economic development. The interaction between them is dynamic because technological progress in itself facilitates stro

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