This was highlighted by a recent DNB research. If consumers were to use their debit cards more often, safety in shops and restaurants would increase and the social costs of the payment system would be reduced.
Debit cards and cash help consumers control their budget
Both cash and debit cards are useful in their own way to help consumers monitor their spending. DNB research has shown that Dutch consumers generally perceive their debit cards as the most useful tool for evaluating both the total amount of their spending and on which goods and services they have spent their money, as their bank statements will show at which shops they have made payments. However, they perceive no difference in usefulness between the two payment instruments in terms of insight into the amount of money they have left to spend, i.e. their remaining budgets (Figure 1).