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This master thesis explores what the individual characteristics and economic components are that make consumers choose their payment method when finalizing their transaction in physical stores in Belgium. In other words, this paper aims to enlighten consumers about the individual (gender, age, education and personal income, geographical location of main residence and consumer’s preferences) and economic reasons (product prices, innovation, consumer inertia, information disclosure, pain of paying/impulse buying and a pandemic), behind the choice of their usual payment method for in-store payments in Belgium. An empirical analysis was conducted, by carrying out a survey among the Management School of the University of Liège, namely HEC. An overview will be given of the followed procedure that led to the empirical findings and a contingency table, correlation table and linear regression will be presented to test the hypotheses in the literature review. Ce mémoire de master explore quelles sont les caractéristiques individuelles et les composantes économiques qui font que les consommateurs choisissent leur mode de paiement lors de la finalisation de leur transaction dans les magasins physiques en Belgique. En d'autres termes, ce mémoire vise à éclairer les consommateurs sur les raisons individuelles (sexe, âge, éducation et revenu personnel, localisation géographique de la résidence principale et préférences du consommateur) et économiques (prix des produits, innovation, inertie du consommateur, divulgation d'informations, douleur de payer/achat impulsif et pandémie), qui sous-tendent le choix de leur mode de paiement habituel pour les paiements en magasin en Belgique. Une analyse empirique a été menée, en réalisant une enquête auprès de la Management School de l'Université de Liège, à savoir HEC. Un aperçu sera donné de la procédure suivie qui a conduit aux résultats empiriques et un tableau de contingence, un tableau de corrélation et une régression linéaire seront présentés pour tester les hypothèses de la revue de littérature.

Payment choices --- Individual characteristics --- Economic components --- (Contactless) Debit/credit card --- Mobile- and wearable payments --- Physical stores --- Empirical application --- Sciences économiques & de gestion > Domaines particuliers de l'économie (santé, travail, transport...)

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Standard approaches to decomposing how much group differences contribute to inequality rarely show significant between-group inequality, and are of limited use in comparing populations with different numbers of groups. This study applies an adaptation to the standard approach that remedies these problems to longitudinal household data from two Indian villages - Palanpur in the north, and Sugao in the west. The authors find that in Palanpur the largest scheduled caste group failed to share in the gradual rise in village prosperity. This would not have emerged from standard decomposition analysis. However, in Sugao the alternative procedure did not yield any additional insights because income gains applied relatively evenly across castes.

Average income --- Between-group inequality --- Decomposable inequality measures --- Decomposition analysis --- Decomposition techniques --- Economic development --- Economic inequality --- Empirical application --- Equity and Development --- Household data --- Income --- Income distribution --- Income inequality --- Income levels --- Inequality --- Inequality decomposition --- Inequality measurement --- Inequality will increase --- Policy research --- Population share --- Population sub-groups --- Population subgroup --- Poverty Impact Evaluation --- Poverty Reduction --- Rural Poverty Reduction --- Services & Transfers to Poor