期刊名称：Euro Area Balance of Payments and International Investment Position Statistics
印刷版ISSN：1830-3420
电子版ISSN：1830-3439
出版年度：2014
出版社：European Central Bank
摘要：This paper investigates the determinants in migrants’ choice of payment channel when transferringmoney to relatives abroad. We surveyed 1,680 migrants in the Netherlands, identifying five remittancechannels: bank services, money transfer operator (MTO) services, in-cash transfers via informalintermediaries, ATM cash withdrawals abroad and carrying cash when travelling back home. To thebest of our knowledge, we are the first to present evidence of the role played by general paymenthabits: migrants who regularly use internet banking for other purposes are more likely to use bankservices for remittances as well. However, we also demonstrate that other important drivers exist indetermining the choice of payment channels, such as personal characteristics and country-specificfactors, (perceived) costs, ease of use and the availability of remittance options. Based on our findings,we suggest that financial education, cost reduction and new (mobile) remittance solutions may serve avaluable role
