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Virginia Tech

The social costs of paper and electronic payments

Abstract

dc:description.abstract

In the United States, paper checks are the most widely used mechanism aside from cash to purchase goods and services. The use, production, and collection of paper checks is a costly process involving substantial societal resources. The most recent estimates of the total resources used in check processing were put forth in a 1987 paper by David B. Humphrey and Allen Berger. This paper updates the calculation of the total social cost of paper checks and their electronic substitute, automated clearinghouse payments.

Degree

thesis:*
Name thesis:degree_name
Master of Arts
Level thesis:degree_level
masters
Discipline thesis:degree_discipline
Economics
Department dc:contributor.department
Economics
Grantor dc:publisher
Virginia Tech
Year dc:date.issued
1994

Author and committee

dc:creator, dc:contributor.*
Author dc:creator
  • Wells, Kirstin E.

Rights

dc:rights
Statement dc:rights
  • In Copyright
Language dc:language.iso
en

Identifiers

dc:identifier.*
Dc Identifier Other
etd-07112009-040441
OAI identifier oai:identifier
oai:vtechworks.lib.vt.edu:10919/43685

Chain of custody

source
Harvested from
Virginia Tech
Base URL
vtechworks.lib.vt.edu/oai/request
Last updated
2026-07-22
Source record
OAI-PMH GetRecord
related terms
citation

Wells, Kirstin E.. The social costs of paper and electronic payments. masters thesis, Virginia Tech, 1994. http://hdl.handle.net/10919/43685