Anneke Kosse

Principal Researcher

Anneke Kosse is a Principal Researcher in the Financial Stability Department of the Bank of Canada. Her work focuses on behavior, liquidity usage and risks in payment systems. Prior to this position, Anneke worked as a Senior Policy Advisor and Researcher at the Market Infrastructures Policy department of the Nederlandsche Bank (Dutch Central Bank), and as a Principal Researcher at the Currency Department of the Bank of Canada. Anneke received her Ph.D in Business and Economics from Tilburg University. Her Ph.D thesis focused on “Digitalization of Retail Payments”.

Contact

Principal Researcher
Financial Stability
Payment Systems Oversight

Bank of Canada
234 Wellington Street
Ottawa, ON, K1A 0G9

Latest

November 16, 2017

Acceptance and Use of Payments at the Point of Sale in Canada

Bank of Canada Review - Autumn 2017 Ben Fung, Kim Huynh, Anneke Kosse
Merchants universally accept cash. Consumers widely hold cash but also carry debit and credit cards. The cost of using a method of payment has only a small influence on which method consumers use. Large merchants accept all payments, while only two-thirds of small and medium-sized businesses accept credit cards. Merchants report that credit cards are the costliest payment method compared with cash and debit cards. However, costs are not the only consideration. Merchant acceptance of credit accounts for the many con-sumers that want to use credit cards. This interaction between consumers and merchants is known as network externalities.
Content Type(s): Publications, Bank of Canada Review Article Topic(s): Bank notes, Digital Currencies and Fintech, Financial Institutions, Payment clearing and settlement systems JEL Code(s): D, D2, D23, D24, E, E4, E41, E42, G, G2, G21, L, L2

The Costs of Point-of-Sale Payments in Canada

Staff Discussion Paper 2017-4 Anneke Kosse, Heng Chen, Marie-Hélène Felt, Valéry Dongmo Jiongo, Kerry Nield, Angelika Welte
Using data from our 2014 cost-of-payments survey, we calculate resource costs for cash, debit cards and credit cards. For each payment method, we examine the total cost incurred by consumers, retailers, financial institutions and infrastructures, the Royal Canadian Mint and the Bank of Canada.
Content Type(s): Staff Research, Staff Discussion Papers Topic(s): Bank notes, Digital Currencies and Fintech, Financial Institutions, Payment clearing and settlement systems JEL Code(s): D, D1, D12, D2, D23, D24, E, E4, E41, E42, G, G2, G21, L, L2

Consumer Cash Usage: A Cross-Country Comparison with Payment Diary Survey Data

Staff Working Paper 2014-20 John Bagnall, David Bounie, Kim Huynh, Anneke Kosse, Tobias Schmidt, Scott Schuh, Helmut Stix
We measure consumers’ use of cash by harmonizing payment diary surveys from seven countries. The seven diary surveys were conducted in 2009 (Canada), 2010 (Australia), 2011 (Austria, France, Germany and the Netherlands), and 2012 (the United States).
Content Type(s): Staff Research, Staff Working Papers Topic(s): Bank notes, Digital Currencies and Fintech, Econometric and statistical methods, Financial services JEL Code(s): D, D1, D12, E, E4, E41, E5, E58

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Education

  • Ph.D., Business and Economics. Tilburg University (2014)
  • M.A., International Development: Agriculture and Economic Policy (2005) – Graduated Cum Laude
  • B.A., International Business and Languages (2003)

Research Interests

  • Payments Economics
  • Applied Microeconomics
  • Applied Econometrics
  • Retail Payments

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