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”.

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Staff Discussion Papers

The Costs of Point-of-Sale Payments in Canada

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.

Staff Working Papers

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

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).

Journal Publications

Bank of Canada publications

Refereed journals