AEA Papers and Proceedings
ISSN 2574-0768 (Print) | ISSN 2574-0776 (Online)
Defining Households That Are Underserved in Digital Payment Services
AEA Papers and Proceedings
(pp. 305–308)
Abstract
US households that lack digital means of making and receiving payments cannot participate fully in an increasingly digitized economy. Assessing the scope of this problem and addressing it requires a definition of households that are underserved in digital payments. In this paper, we define and characterize households that are underserved in digital payments by considering four key elements—access, use, safety, and affordability—and discuss how researchers may assess these elements to quantify the share of households underserved in digital payments.Citation
Greene, Claire, Fumiko Hayashi, Alicia Lloro, Oz Shy, Joanna Stavins, and Ying Lei Toh. 2026. "Defining Households That Are Underserved in Digital Payment Services." AEA Papers and Proceedings 116: 305–308. DOI: 10.1257/pandp.20261009Additional Materials
JEL Classification
- D12 Consumer Economics: Empirical Analysis
- E42 Monetary Systems; Standards; Regimes; Government and the Monetary System; Payment Systems
- G21 Banks; Depository Institutions; Micro Finance Institutions; Mortgages
- G51 Household Finance: Household Saving, Borrowing, Debt, and Wealth