Anneke Kosse is a Principal Researcher at the Payment System Division of the Bank of Canada’s Financial Stability Department. Anneke holds a PhD in Business and Economics from Tilburg University and a Master's degree in International Development Studies from Wageningen University. Her current research activities are focused on the behavior of participants and end-users of retail and large value 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 (DNB), focusing on CCP resolution and resolution planning and the potential consequences of Brexit for the payments landscape. Anneke has a strong background in retail payments research. From 2006 to 2014, she worked at DNB’s Payments Systems Policy Department, studying consumers’ and retailers’ payment behavior, and from 2014 to 2017, she worked at the Bank of Canada, where she led the Bank of Canada’s Cost of Payments Study.
Disclaimer: Any contributions to the JFMI, including views expressed, are done in a personal capacity and should not be reported as representing the views of the Bank of Canada of Bank of Canada policy.
The authors employ historical LVTS and ACSS data and use the discrete choice demand estimation approach to uncover end users’ and financial institutions’ preferences when deciding which payment instruments and payment systems, respectively, to use.