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2005•RePEc: Research Papers in EconomicsRequires access

Debit Card Competition: Signature versus PIN

Victor Lubasi

Open publisher page 2 citations

Abstract

This article explores costs and benefits of two types of debit card authorization methods?signature and PIN (personal identification number)?for merchants, consumers, and financial institutions. It also considers competition between signature- and PIN-based debit cards in the United States and looks at Canada's predominant usage of PIN-based debit cards.

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What this paper is about

This article explores costs and benefits of two types of debit card authorization methods?signature and PIN (personal identification number)?for merchants, consumers, and financial institutions. It also considers competition between signature- and PIN-based debit cards in the United States and looks at Canada's predominant usage of PIN-based debit cards.

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OpenAlex reports 2 citations for this work. Citation counts describe recorded attention and do not establish research quality.

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Available abstract

This article explores costs and benefits of two types of debit card authorization methods?signature and PIN (personal identification number)?for merchants, consumers, and financial institutions. It also considers competition between signature- and PIN-based debit cards in the United States and looks at Canada's predominant usage of PIN-based debit cards.

Key concepts: Debit card, ATM card, Payment processor, Authorization, Competition (biology), Business, Payment card, Signature (topology)

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