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Demonetization and digitization
Sumit Agarwal, Debarati Basu, Pulak Ghosh, , Jian Zhang
Published in Elsevier
2018
Pages: 1 - 2
Abstract
Using big datasets from four diverse sources, of both suppliers and facilitators or recipients of digital payment platforms, we conduct a comprehensive analysis of the impact of unexpected demonetization in India on payment digitization. The drying-up of cash due to demonetization leads to a significant increase in the level of payment digitization and the rise applies to both traditional and non-traditional digital payment modes, including card and e-wallet. The usage pattern persists even during the re-monetization period when cash makes a comeback in the economy, indicating the success of demonetization in enabling new digitization technologies to make inroads into consumer payment habits. Heterogeneity tests reveals that regions that are underdeveloped economically, lag in financial inclusion and technology infrastructure and have a population with more conservative demographic characteristics experience a weaker digitization response.
About the journal
JournalData powered by TypesetSSRN
PublisherData powered by TypesetElsevier
ISSN1556-5068
Open AccessNo