Adoption et utilisation du porte-monnaie électronique Monéo – Essai empirique sur un échantillon test

Le porte-monnaie electronique (PME) est l’une des dernieres innovations technologiques de paiement fondee sur la technologie « carte a puce ». Toutefois, le PME Moneo peine a se generaliser en France alors meme que d’autres PME dans le monde connaissent le succes. Nous nous appuyons sur un echantillon test de 100 consommateurs de la region marseillaise pour examiner les facteurs expliquant la decision d’adopter Moneo, et la frequence de son usage chez 50 utilisateurs. En modelisant la dependance entre ces deux decisions par un modele de selection, cette etude liminaire et exploratoire indique que le revenu du menage n’affecte pas le niveau d’utilisation mais uniquement l’adoption.

[1]  Katy Jacob.  Are Mobile Payments the Smart Cards of the Aughts , 2007 .

[2]  James Tobin,et al.  The Interest-Elasticity of Transactions Demand For Cash , 1956 .

[3]  Izak Benbasat,et al.  Development of an Instrument to Measure the Perceptions of Adopting an Information Technology Innovation , 1991, Inf. Syst. Res..

[4]  Richard Schmalensee,et al.  A Survey of the Economic Role of Software Platforms in Computer-Based Industries , 2004, SSRN Electronic Journal.

[5]  Vijay Mahajan,et al.  New Product Diffusion Models in Marketing: A Review and Directions for Research: , 1990 .

[6]  Anthony M. Santomero,et al.  Alternative Monies and the Demand for Media of Exchange , 1996 .

[7]  William J. Baumol,et al.  The Transactions Demand for Cash: An Inventory Theoretic Approach , 1952 .

[8]  William C. Whitesell.  Deposit Banks and the Market for Payment Media , 1992 .

[9]  Bruno Jullien,et al.  Two-Sided Markets and Electronic Intermediaries , 2004, SSRN Electronic Journal.

[10]  Hsiao-Cheng Yu,et al.  Electronic payment systems: an analysis and comparison of types , 2002 .

[11]  Fumiko Hayashi,et al.  Technology Adoption and Consumer Payments: Evidence from Survey Data , 2003 .

[12]  J. Rochet,et al.  Competition Policy in Two-Sided Markets , 2008 .

[13]  Leo Van Hove,et al.  The New York City Smart Card Trial in Perspective: A Research Note , 2000, Int. J. Electron. Commer..

[14]  David B. Humphrey,et al.  Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice , 2001 .

[15]  Gregory E. Truman,et al.  An empirical study of smart card technology , 2003, Inf. Manag..

[16]  W. Bolt.  Retail Payments in the Netherlands: Facts and Theory , 2006 .

[17]  L. G. Tornatzky,et al.  Innovation characteristics and innovation adoption-implementation: A meta-analysis of findings , 1982, IEEE Transactions on Engineering Management.

[18]  Sheri M Markose,et al.  Network Effects On Cash‐Card Substitution In Transactions And Low Interest Rate Regimes* , 2003 .

[19]  Oz Shy,et al.  The Market for Electronic Cash Cards , 2002 .

[20]  Sujit Chakravorti,et al.  Why Has Stored Value Not Caught on? , 2000 .

[21]  Scott D. Schuh,et al.  Why are (Some) Consumers (Finally) Writing Fewer Checks?: The Role of Payment Characteristics , 2009 .

[22]  J. Rochet,et al.  Two-sided markets: a progress report , 2006 .

[23]  B. Mantel.  Why Do Consumers Pay Bills Electronically? An Empirical Analysis , 2001 .

[24]  Zouhaïer M'Chirgui,et al.  The adoption and use of smart card technology in banking : an empirical evidence from the Moneo electronic purse in France , 2007 .

[25]  David Bounie,et al.  Cash, Check or Bank Card? The Effects of Transaction Characteristics on the Use of Payment Instruments , 2006 .

[26]  The Way We Pay With Money , 1989 .

[27]  Erich Kirchler,et al.  "It's practical, but no more controllable": Social representations of the electronic purse in Austria , 2004 .

[28]  Marc Rysman.  *An Empirical Analysis of Payment Card Usage , 2007 .

[29]  Rudolf Müller,et al.  A framework for micropayment evaluation , 1999 .

[30]  Chi-Wei Lee,et al.  Understanding m-commerce payment systems through the analytic hierarchy process , 2004 .

[31]  J. Heckman.  Sample selection bias as a specification error , 1979 .

[32]  J. Rochet,et al.  Platform competition in two sided markets , 2003 .

[33]  Aleksander Berentsen.  Monetary Policy Implications of Digital Money , 1998 .

[34]  Isabelle Szmigin,et al.  Electronic Cash: A Qualitative Assessment of its Adoption , 1999 .

[35]  Two-Sided Markets, Bank Card Payment Networks, and Public Policy , 2009 .

[36]  P. Geroski.  Models of technology diffusion , 2000 .

[37]  J. Heckman.  The Common Structure of Statistical Models of Truncation, Sample Selection and Limited Dependent Variables and a Simple Estimator for Such Models , 1976 .

[38]  Ian Tonks,et al.  Handbook of The Economics of Innovation and Technical Change , 1996 .

[39]  Charles Goodhart,et al.  Can Central Banking Survive the IT Revolution , 2000 .

[40]  Graham Vickery,et al.  Diffusion Of Microelectronics And Advanced Manufacturing Technology: A Review Of National Surveys , 1995 .