Tobias Trütsch
Title
Dr.
Last Name
Trütsch
First name
Tobias
Email
tobias.truetsch@unisg.ch
ORCID
Phone
+41 71 224 71 55
140 results
Now showing 1 - 10 of 140
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Item type:Publication, Cashless future - reality or fiction?While cash use is steadily declining in favor of digital payments, its societal relevance remains strong. This paradox reflects cash’s enduring role as a store of value, symbol of financial autonomy, and trusted medium in times of crisis. Although fewer transactions involve cash, public resistance to its abolition is growing. Declining access and acceptance risk triggering a self-reinforcing downward spiral, raising concerns about inclusion and resilience. Maintaining cash as a public good may require legal and policy measures. The debate over cash’s future, therefore, transcends technology, touching on fundamental issues of trust, equity, and systemic stability.Type:journal articleJournal:Journal of Financial ServicesIssue:1 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Wer bezahlt denn heute noch bar?(2023-05-12) - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Höhere Limiten für kontaktloses Bezahlen könnten Konsumausgaben fördernType:journal articleJournal:Ökonomenstimme - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Financial Literacy and Payment Behaviour: Evidence from Payment Diary Survey Data(2021-06-25); Marcotty-Dehm, NikolausThis paper examines the effect of financial literacy on payment behaviour. We use data from a payment diary and an online survey conducted in 2018 in Switzerland. We estimate a two-step Heckman selection model to separately assess payment instrument adoption and usage decisions. We analyse the payment instruments cash, debit card, credit card, prepaid credit card, contactless debit card, contactless credit card and mobile payment. We introduce a novel payment-related literacy index. The results suggest that financial literacy exerts no effect on payment instrument choice. Payment literacy is a stronger predictor of payment behaviour than financial literacy. Traditional and contactless debit and credit card adoption are positively associated with payment literacy. We show that literacy levels impact payment instrument adoption more than subsequent usage decisions.Type:journal article - Some of the metrics are blocked by yourconsent settings
Item type:Publication, The impact of contactless payment on cash usage at an early stage of diffusionType:journal articleJournal:Swiss Journal of Economics and StatisticsVolume:156Issue:5Scopus© Citations 21 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, Bankkarten verdrängen Bargeld(Eidgenössisches Departement für Wirtschaft, Bildung und Forschung WBF, Staatssekretariat für Wirtschaft SECO, 2017-07-26)Type:journal articleJournal:Die Volkswirtschaft : Plattform für WirtschaftspolitikIssue:8-9 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, The impact of mobile payment on payment choiceThis paper investigates the effect of mobile payment on the adoption and use of traditional payment instruments such as cash, checks, and credit, debit and prepaid cards at the point of sale (POS). Data are from a 2012 representative survey on consumer payment choice in the United States. Using discrete-choice random utility models to simulate consumer behavior, the estimation provides two major findings. First, mobile payment does not replace physical payment cards, but is likely to substitute for paper-based payment methods such as cash and checks at the adoption stage. Second, mobile payment does not statistically significantly influence the choice of payment means at the POS in terms of usage. However, there is suggestive evidence that it is complementary to card payments and a substitute for paper-based payment instruments. The findings highlight the potential social welfare gains of mobile payment and provide key insights into challenging issues for the private industry sector. This paper furthermore offers novel evidence on the impact of mobile payment on the use and adoption of existing payment instruments and contributes to the literature on consumer payment choice.Type:journal articleJournal:Financial Markets and Portfolio ManagementVolume:30Issue:3Scopus© Citations 32 - Some of the metrics are blocked by yourconsent settings
Item type:Publication, The Impact of Contactless Payment on SpendingThis paper estimates the effect of contactless payment on the spending ratio in terms of transactions for different transaction types at the point-of-sale. The specific devices that are investigated are debit and credit cards, to which the feature is embedded. Data is drawn from a national representative survey on consumer payment behavior in the US in 2010. Using propensity score matching to control for selection, the estimation shows that the contactless feature yields to a significant increase in the spending ratio at the point-of-sale for both payment methods. The average treatment effect on the treated for credit and debit cards is roughly 8 and 10 percent, respectively. These findings indicate that the private industry can highly benefit from the innovation with respect to new revenue streams. This paper contributes to the existing literature in payment economics by analyzing one of the most recent payment products.Type:journal articleJournal:International Journal of Economic SciencesVolume:3Issue:4 - Some of the metrics are blocked by yourconsent settings
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