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Adoption and Usage

Academic Journal

Assessing Incentives to Increase Digital Payment Acceptance and Usage: A Machine Learning Approach

November 02, 2022
In this PLoS ONE article, Allen, Carbo, Chakravorti, Rodriguez, and Ardic use random forest estimation to identify 14 key predictors out of 190 variables with the largest predictive power for MSMR adoption and usage of digital payments. Using conditional inference trees, we study the importance of sequencing and interactions of...
Incumbents Disruptors

Incentives to Adopt Digital Payments: Some Examples

July 01, 2022
In this blog, Chakravorti discusses incentives to increase adoption and usage of digital payments at micro, small, and medium retailers (MSMRs) globally. The blog discusses several findings from a recent World Bank study.
Central Bank and Multilateral Agency Publication

Incentives for Electronic Payment Acceptance

May 18, 2022
The adoption of electronic payments and their frequent use is thought of as a first step for broader financial use for traditionally unbanked individuals and merchants. The purpose of this report is to analyze the design, implementation, and efficacy of many incentives implemented by different types of stakeholders around the...
News

Chakravorti Presented Results from a Forthcoming World Bank Working Paper at the International Centre for Tax and Development

June 24, 2021
Bob presented preliminary findings from a forthcoming World Bank working paper to the DFS & Tax Working Group at the International Centre for Tax and Development.
Academic Journal

The Role of Interchange Fees in Two-Sided Markets: An Empirical Investigation on Payment Cards

April 21, 2016
Carbó, Chakravorti, and Rodriguez study the impact of lowering interchange fees on consumer and merchant adoption and usage along with bank revenues during a ten-year period in Spain using bank-level data. Using cutting-edge econometric techniques, they are able to test two-sided market model predictions about payment card pricing policies. They...
Working Paper

Why Do Banks Reward Their Customers To Use Their Credit Cards?

November 19, 2010
Using a unique administrative level dataset from a large and diverse U.S. financial institution, Agarwal, Chakravorti, and Lunn test the impact of rewards on credit card spending and debt. Specifically, we study the impact of cash-back rewards on individuals before and during their enrollment in the program. We find that...
Academic Journal

Platform Competition In Two-Sided Markets: The Case Of Payment Networks

January 01, 2002
Chakravorti and Roson construct a model to study competing payment networks, where networks offer differentiated products in terms of benefits to consumers and merchants. We study market equilibria for a variety of market structures: duopolistic competition and cartel, symmetric and asymmetric networks, and alternative assumptions about consumer preferences. We find...
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