Publications et documents de travail
- revues scientifiques
    Maya Bacache-Beauvallet, David Bounie and Abel François
Explaining the Use of On-line Administrative Services: Economic Approach and Empirical Evidences
Despite the rapid growth in e-government research over the past few years, there is little consensus among researchers about the fac-tors that affect the demand side of on-line government services, and a theory of the use of government Internet services is still lacking. This paper attempts to fill this gap by proposing a standard economic approach based on individual rational choice behavior and by exploit-ing a unique data set collected in 2005 on a random sample of 5,603 French respondents. Estimating a Heckman's model of selection to control for selection bias, the results confirm that i. selection biases are particularly pregnant, ii. a standard economic approach based on a cost analysis is particularly well adapted to explain the use of on-line administrative services. In particular, we find that the relative access cost to on-line administrative services (measured by the occupational status), the cost to find administrative information (captured by In-ternet and computer skills) and the cost of processing administrative information (identified by the professional status and the level of edu-cation) as well as the availability of Internet services play a major role in the trade-off between on-line and off-line administrative channels.
- revues scientifiques
    David Bounie and Abel Francois
The Economics of Bill Payments: An Empirical Analysis
The growing economic literature dedicated to payment instruments mainly focus on payments at point of sale. Yet, credit transfers and direct debits used in bill payments are much more used in the Euro area than checks, payments cards and other payment instruments. The main objective of this paper is therefore to verify whether the standard framework stated for payments at point of sale is relevant to study the economics of bill payments. Using an original data set, we show that the main predictions of the standard model do not hold. First, consumers do not seem to be sensitive to transaction costs in bill payments and second, the transaction size does not influence the choice of the payment instruments. These results argue for a new theoretical framework to analyze the use of payment instruments in bill payments.
- documents de travail
    David Bounie, Marc Bourreau, Michel Gensollen and Patrick Waelbroeck
Do Online Customer Reviews Matter? Evidence from the Video Game Industry
his paper analyzes the impact of online customer reviews on purchasing decisions and the influence of online customer or peer reviews compared to other channels of information such as offline press (expert reviews) and trial versions (personal reviews). Using 7,024 answers of an anonymous online survey administrated from June 18 to July 5, 2004, on one of the leading websites dedicated to video games in France, we show that i. online peer reviews gathered by consumers before purchasing video games positively influence purchasing decisions; ii. the effect of online peer reviews is as important as the effects of personal and expert reviews; iii. online customer reviews complement trial versions and expert reviews from magazines.
- revues scientifiques
    David Bounie, Marc Bourreau, Abel François and Marianne Verdier
La détention et l'usage des instruments de paiement en France
L’objet de cet article est de proposer une photographie générale de la détention et de l’usage des instruments de paiement en France et de déterminer quels facteurs influencent les comportements de paiement des individus. Nous montrons qu’une grande majorité des Français disposent, outre les espèces, d’un chéquier et d’une carte de débit pour régler leurs dépenses. Les instruments de paiement qui permettent de gérer une trésorerie (cartes de crédit, certaines cartes accréditives ou privatives) sont moins développés. L’âge, le revenu, le diplôme et la profession influencent les taux de détention pour le chèque et la carte de débit. L’usage des instruments de paiement dépend non seulement de l’âge et du revenu de l’individu mais aussi des caractéristiques de la transaction (valeur, type de commerce, etc.).
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