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Who Gains and Who Loses from Credit Card Payments? High quality books

Who Gains and Who Loses from Credit Card Payments?
By:Scott Schuh
Published on 2010-11 by DIANE Publishing

Merchant fees and reward programs generate an implicit monetary transfer to credit card users from non-card (or ¿cash¿) users because merchants generally do not set differential prices for card users to recoup the costs of fees and rewards. On average, each cash-using household pays $151 to card-using households and each card-using household receives $1,482 from cash users every year. The payment instrument transfer also induces a regressive transfer from low-income to high-income households in general. The authors build and calibrate a model of consumer payment choice to compute the effects of merchant fees and card rewards on consumer welfare. Reducing merchant fees and card rewards would likely increase consumer welfare.

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Book which was published by DIANE Publishing since 2010-11 have ISBNs, ISBN 13 Code is 9781437937015 and ISBN 10 Code is 1437937012

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