Do newspaper articles on card fraud affect debit card usage?

This paper investigates the impact of newspaper articles about skimming fraud on debit card usage in the Netherlands using daily transaction data and daily newspaper announcements from January 1st 2005 to December 31st 2008. Key finding is that articles about skimming fraud significantly affect same day debit card usage. The direction and strength of the media effects strongly depend on the specific characteristics of the publications, such as type of fraud addressed and their position in the newspaper, but above all on the frequency with which they come out. The effects, however, are economically small compared to other factors, such as calendar and holiday effects, and do not sustain or accumulate in the long run. Yet, some first cost calculations demonstrate that the impact of media attention on total retail payments efficiency is not to be underestimated.     

Estimating Cash Usage: The Impact of Survey Design on Research Outcomes

We employ a unique dataset of transaction records to analyse the impact of survey set-up on consumers’ payments registration behaviour. Survey data are used for econometric analyses and validated against other payments data. The results reveal that the length of the registration period influences consumers’ registration of payments. Measurement errors are minimised when consumers use a self-reported transaction diary for one single day. Around 40 % of the transactions registered in a one-day survey are missed out in a one-week survey. Apart from payments research, the results are, among others, also relevant for household expenditure and marketing research.     

Franz Josef Strauß und sein Verhältnis zu dem Hamburger Nachrichtenmagazin 〉Der Spiegel〈

Social sciences have repeatedly concerned themselves with the question of how politics and mass media relate to one another. This article, taking the form of a study in recent communication history, discusses a concrete example in this context: the relationship of the long-term leader of the Bavarian Christian Social Union (CSU), Franz Josef Strauß, and the Hamburg news magazine 〈Der Spiegel〉 Beginning with 〈Spiegel〉 publisher Rudolf Augstein’s openly declared intention of protecting democracy from Strauß by preventing him to become federal chancellor, it is analyzed whether, and to what degree, Strauß’s national political career might have been affected by information and opinions published by 〈Der Spiegel〉.     

Choosing how to pay: The influence of foreign backgrounds

Is having a foreign background a relevant factor in choosing between payment instruments in consumer point-of-sale transactions after migration? We analyze this question using a unique diary survey in which both participants with a Dutch and a foreign background documented their daily purchases. We present several pieces of evidence suggesting that foreign backgrounds still influence the choice between payment instruments after migration to the Netherlands. For instance, we find that first-generation migrants from a number of countries that can be seen as cash-oriented are more likely to use cash in the Netherlands. At the same time, second-generation migrants have similar payment habits as individuals with a Dutch background. This finding suggests that payment behavior is not passed on between generations, but affected by host country payment habits. Finally, we suggest that, in this context, special information campaigns to increase debit card usage will not have clear net social benefits.     

Markttransparenz und Geheimwettbewerb? Das Beispiel Rohmilchmarkt

Das Bundeskartellamt hat sich im Juni 2011 mit Marktinformationssystemen auf dem Rohmilchmarkt besch?ftigt und die Auffassung vertreten, dass auf diesem Markt eine zu hohe Markttransparenz herrsche. Dies reduziere den für einen funktionierenden Markt erforderlichen Geheimwettbewerb. Dem widersprechen die Autoren, da die Besonderheiten des Rohmilchmarktes gegen eine Einschr?nkung der Transparenz sprechen. Zunehmende Transparenz durch bessere Preisvergleichsm?glichkeiten im Internet stellt den Grundsatz des Geheimwettbewerbs auch auf anderen M?rkten in Frage.     

Integrating agroecology and sustainable tourism: applying geodesign to farm management in Aotearoa New Zealand

Abstract

In Aotearoa New Zealand, Māori land is frequently owned by local communities and managed by trusts. For such arrangements on rural holdings, land managers often wish both to provide for their communities and implement agricultural management practices in a culturally responsive manner. Agroecology offers an alternative model of land management and provides opportunities for the development of visitor programmes to learn about and observe traditional practices. This paper reports on the integration of agroecology and tourism on a working farm in Te Wai Pounamu South Island, Aotearoa New Zealand. The programme successfully applied spatial analysis in a geographical information system (GIS) within an iterative geodesign framework to plan a route for visitor access across the farm, with suitable areas identified for information platforms located strategically along the way. These agritourism related features were visually communicated through maps generated by the GIS. Such visualisation makes the possible consequences of change more accessible and understandable to decision makers. As well as satisfying the need to verify the approach empirically, there are plans underway to apply GIS in this way to other similarly managed farms in Aotearoa New Zealand.

• Highlights:

• Iterative geodesign approach used to evolve sites for access paths and information platforms

• Approach is of public interest, hence the need for planning farm access facilities for tourists

• Agroecology-based plan for managing a traditionally run farm in Aotearoa New Zealand

• Local cultural values addressed by GIS for positive environmental and economic impact

     

Significance of environment in the assessment of sustainable development: The case for south west Victoria

The assessment of sustainable development is often based on the three pillars of sustainability model using social, economic and environmental indicators. It is thought that by measuring the performance of each system, information can be gained about the sustainability of the whole system. However it seems there has been no attempt to evaluate if such an assumption is true. During the development of a sustainability assessment framework for south west Victoria, Australia, it has become evident that this approach to sustainability assessment does not provide an accurate assessment of system sustainability. The project found that environmental indicators were considered the most important for assessing regional sustainability. As a consequence, the assessment produced shows that in south west Victoria, sustainability is largely determined by the condition of the environment. This finding highlights the current disconnection between the theory and reality of sustainability. Here, we describe a framework for sustainability assessment that attempts to re-connect theory to practice.