Show me the money! Experimental evidence on preferences for cash vs. digital payment
In places such as rural Bangladesh, cash is the dominant medium for payments despite potential benefits of digital payments. We offer survey respondents an incentive-compatible choice for compensation: 200 Taka cash or randomly varied mobile money amounts (200-400 Taka). Only eight percent chose dig...
| Autores principales: | , , , |
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| Formato: | Artículo preliminar |
| Lenguaje: | Inglés |
| Publicado: |
International Food Policy Research Institute
2025
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| Materias: | |
| Acceso en línea: | https://hdl.handle.net/10568/178890 |
| _version_ | 1855520896554369024 |
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| author | Ambler, Kate Bakhtiar, M. Mehrab Bloem, Jeffrey R. Uddin, Mohammad Riad |
| author_browse | Ambler, Kate Bakhtiar, M. Mehrab Bloem, Jeffrey R. Uddin, Mohammad Riad |
| author_facet | Ambler, Kate Bakhtiar, M. Mehrab Bloem, Jeffrey R. Uddin, Mohammad Riad |
| author_sort | Ambler, Kate |
| collection | Repository of Agricultural Research Outputs (CGSpace) |
| description | In places such as rural Bangladesh, cash is the dominant medium for payments despite potential benefits of digital payments. We offer survey respondents an incentive-compatible choice for compensation: 200 Taka cash or randomly varied mobile money amounts (200-400 Taka). Only eight percent chose digital payment at parity and respondents exhibit an average willingness-to-pay of 43 percent of the payment value to receive cash payment. This preference persists across demographics, including among mobile money account holders. Within-household analysis reveals that 77 percent of the effect stems from individual-level rather than household-level factors, highlighting the importance of demand-side barriers on digital payments. |
| format | Artículo preliminar |
| id | CGSpace178890 |
| institution | CGIAR Consortium |
| language | Inglés |
| publishDate | 2025 |
| publishDateRange | 2025 |
| publishDateSort | 2025 |
| publisher | International Food Policy Research Institute |
| publisherStr | International Food Policy Research Institute |
| record_format | dspace |
| spelling | CGSpace1788902025-12-17T13:46:24Z Show me the money! Experimental evidence on preferences for cash vs. digital payment Ambler, Kate Bakhtiar, M. Mehrab Bloem, Jeffrey R. Uddin, Mohammad Riad rural areas payment agreements consumer behaviour smartphones digital technology willingness to pay In places such as rural Bangladesh, cash is the dominant medium for payments despite potential benefits of digital payments. We offer survey respondents an incentive-compatible choice for compensation: 200 Taka cash or randomly varied mobile money amounts (200-400 Taka). Only eight percent chose digital payment at parity and respondents exhibit an average willingness-to-pay of 43 percent of the payment value to receive cash payment. This preference persists across demographics, including among mobile money account holders. Within-household analysis reveals that 77 percent of the effect stems from individual-level rather than household-level factors, highlighting the importance of demand-side barriers on digital payments. 2025-12-16 2025-12-17T00:28:45Z 2025-12-17T00:28:45Z Working Paper https://hdl.handle.net/10568/178890 en https://doi.org/10.2499/p15738coll2.137050 https://doi.org/10.2499/p15738coll2.136944 https://doi.org/10.2499/p15738coll2.136491 Open Access application/pdf International Food Policy Research Institute Ambler, Kate; Bakhtiar, M. Mehrab; Bloem, Jeffrey R.; and Uddin, Mohammad Riad. 2025. Show me the money! Experimental evidence on preferences for cash vs. digital payment. IFPRI Discussion Paper 2385. Washington, DC: International Food Policy Research Institute. https://hdl.handle.net/10568/178890 |
| spellingShingle | rural areas payment agreements consumer behaviour smartphones digital technology willingness to pay Ambler, Kate Bakhtiar, M. Mehrab Bloem, Jeffrey R. Uddin, Mohammad Riad Show me the money! Experimental evidence on preferences for cash vs. digital payment |
| title | Show me the money! Experimental evidence on preferences for cash vs. digital payment |
| title_full | Show me the money! Experimental evidence on preferences for cash vs. digital payment |
| title_fullStr | Show me the money! Experimental evidence on preferences for cash vs. digital payment |
| title_full_unstemmed | Show me the money! Experimental evidence on preferences for cash vs. digital payment |
| title_short | Show me the money! Experimental evidence on preferences for cash vs. digital payment |
| title_sort | show me the money experimental evidence on preferences for cash vs digital payment |
| topic | rural areas payment agreements consumer behaviour smartphones digital technology willingness to pay |
| url | https://hdl.handle.net/10568/178890 |
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