Ekonomiczne Problemy Usług

Previously: Zeszyty Naukowe Uniwersytetu Szczecińskiego. Ekonomiczne Problemy Usług


ISSN: 1896-382X     eISSN: 2353-2866    OAI    DOI: 10.18276/epu.2018.131/1-28
CC BY-SA   Open Access   DOAJ

Issue archive / nr 131 (1) 2018
Koszty gotówki i elektronicznych instrumentów płatniczych w Unii Europejskiej
(THE COSTS OF CASH AND ELECTRONIC PAYMENT INSTRUMENTS IN THE EUROPEAN UNION)

Authors: Karolina Przenajkowska
Politechnika Warszawska

Michał Polasik
Uniwersytet Mikołaja Kopernika w Toruniu
Keywords: payment instruments cash costs of payments non-cash transactions
Data publikacji całości:2018-05-24
Page range:8 (283-290)
Klasyfikacja JEL: E42 G21 O33 D23
Cited-by (Crossref) ?:

Abstract

The aim of the article is to summarize the current state of knowledge on the subject of payment instrument costs in the European Union. It presents the basic definitions used in the calculation of payment costs and the unified methodology of the study proposed in the project directed by the European Central Bank. The results of this research showed that despite a large share in total social costs, cash has the lowest unit costs of payment. However, with the increase in the number of elec-tronic transactions, their social cost is falling, and in countries with a large use of debit cards they are the cheapest method of payments. This suggests the legitimacy of promoting the development of non-cash transactions.
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