Carin van der Cruijsen

Education

2008 - Ph.D. Economics, Tilburg University
2004 - Research Master in Economics, CentER, Tilburg University
2003 - Master’s Economics, Tilburg University (cum laude)

Research Interests

• Consumer behaviour
• Financial literacy
• Payment behaviour
• Survey research
• Trust

Short Bio

Carin van der Cruijsen is cluster lead research at the Retail, Payments & Research Department. At the moment her research particularly focuses on topics like trust in the payment system and consumer payment behaviour. Her research has been published in a wide range of journals reflecting her different research interests, such as IMF Economic Review, Journal of Economic Psychology, Journal of Financial Stability and the Journal of Consumer Affairs.

Working papers

Gender gaps in the world of payments (with Marie-Claire Broekhoff), DNB Working Paper No. 805, 2024. Download

Uncovering the digital payment divide: understanding the importance of cash for groups at risk (with Jelmer Reijerink), DNB Working Paper No. 781, 2023. Download

The impact of high inflation on trust in national politics and central banks (with Jakob de Haan and Maarten van Rooij), DNB Working Paper No. 762, 2023. Download

What drives trust in the financial sector supervisor? New empirical evidence (with Maurice Doll and Jakob de Haan), DNB Working Paper No. 750, 2022. Download

Using debit card payments data for nowcasting Dutch household consumption (with Roy Verbaan and Wilko Bolt), DNB Working Paper No. 571, 2017. Download

See further my Repec page

Publications in refereed journals

Marie-Claire Broekhoff and Carin van der Cruijsen (2024), Paying in a blink of an eye: it hurts less, but you spend more, Journal of Economic Behavior and Organization 221, 110–133. Download

Marie-Claire Broekhoff, Carin van der Cruijsen and Jakob de Haan (2024), Towards financial inclusion: trust in banks’ payment services among groups at risk, Economic Analysis and Policy 82, 104-123. Download

Michiel Bijlsma, Carin van der Cruijsen, Nicole Jonker and Jelmer Reijerink (2024), What triggers consumer adoption of Central Bank Digital Currency?, Journal of Financial Services Research 65, 1-40. Download

Michiel Bijlsma, Carin van der Cruijsen and Nicole Jonker (2024), Not all data are created equal - Data sharing and privacy. Applied Economics 56(11), 1250-1267. Download

Michiel Bijlsma, Carin van der Cruijsen and Nicole Jonker (2023), Consumer willingness to share payments data: trust for sale? Journal of Financial Services Research 64, 41–80. Download

Carin van der Cruijsen, Jakob de Haan and Ria Roerink (2023), Trust in financial institutions: A survey, Journal of Economic Surveys 37(4), 1214-1254. Download

Carin van der Cruijsen and Anna Samarina (2023), Drivers of trust in the ECB during the pandemic, Applied Economics 55(13), 1454-1476. Download

Carin van der Cruijsen, Jakob de Haan and Nicole Jonker (2022), Has the COVID-19 pandemic affected public trust? Evidence for the US and the Netherlands, Journal of Economic Behavior & Organization 200, 1010-1024. Download

Nicole Jonker, Carin van der Cruijsen, Michiel Bijlsma and Wilko Bolt (2022), Pandemic payment patterns, Journal of Banking and Finance 143, 106593. Download

Michiel Bijlsma, Carin van der Cruijsen and Jester Koldijk (2022), Determinants of trust in banks' payment services during COVID: an exploration using daily data, De Economist 170, 231-256. Download

Carin van der Cruijsen, Jakob de Haan and Ria Roerink (2021), Financial knowledge and trust in financial institutions, Journal of Consumer Affairs 55(2), 680-714. Download

Carin van der Cruijsen and Joris Knoben (2021), Ctrl+C Ctrl+pay: Do people mirror electronic payment behavior of their peers?, Journal of Financial Services Research, 59(1), 69-96. Download

Carin van der Cruijsen (2020). Payments data: do consumers want banks to keep them in a safe or turn them into gold?, Applied Economics 52(6), 609-622. Download

Carin van der Cruijsen, Maurice Doll and Frank van Hoenselaar (2019). Trust in other people and the usage of peer platform markets, Journal of Economic Behavior & Organization 166, 751-766. Download

Maaike Diepstraten and Carin van der Cruijsen (2019). To stay or go? Consumer bank switching behaviour after government interventions, Journal of Banking and Finance 106, 16-33. Download

Carin van der Cruijsen and Frank van der Horst (2019).Cash or card?Unravelling the role of socio-psychological factors, De Economist 167(2), 145-175. Download

Carin van der Cruijsen and Nicole Jonker (2019). Pension profile preferences: the influence of trust and expected expenses, Applied Economics 51(12), 1212-1231. Download

Christina Bräuning and Carin van der Cruijsen (2019), Learning dynamics in the formation of European inflation expectations, Journal of Forecasting 38, 122-135 Download

Carin van der Cruijsen, David-Jan Jansen and Maarten van Rooij (2018), The rose-tinted spectacles of homeowners, Journal of Consumer Affairs 52(1), 61-87. Download

Carin van der Cruijsen and Mirjam Plooij (2018), Drivers of payment patterns at the point-of-sale: Stable or not?, Contemporary Economic Policy 36(2), 363-380. Download

Carin van der Cruijsen and Maaike Diepstraten (2017), Banking products: You can take them with you, so why don't you?, Journal of Financial Services Research 52(1), 123-154. Download

Carin van der Cruijsen, Lola Hernandez and Nicole Jonker (2017), In love with the debit card but still married to cash, Applied Economics 49(30), 2989-3004. Download

Carin van der Cruijsen, Jakob de Haan and David-Jan Jansen (2016), Trust and financial crisis experiences, Social Indicators Research 127(2), 577-600. Download

David-Jan Jansen, Robert Mosch and Carin van der Cruijsen (2015), When does the general public lose trust in banks?, Journal of Financial Services Research 48(2), 127-141. Download

Carin van der Cruijsen, David-Jan Jansen and Jakob de Haan (2015), How much does the public know about the ECB's monetary policy? Evidence from a survey of Dutch consumers, International Journal of Central Banking 11(4), 169-218. Download

Franka Liedorp, Robert Mosch, Carin van der Cruijsen and Jakob de Haan (2013), Transparency of banking supervisors, IMF Economic Review 61(2), 310-335. Download

Carin van der Cruijsen, Jakob de Haan, David-Jan Jansen and Robert Mosch (2013), Knowledge and opinions about banking supervision: Evidence from a survey of Dutch households, Journal of Financial Stability 9(2), 219-229. Download

Carin van der Cruijsen, Jakob de Haan, David-Jan Jansen and Robert Mosch (2012), Households' decisions on savings accounts after negative experiences with banks during the financial crisis, Journal of Consumer Affairs 46(3), 436-456. Download

Carin van der Cruijsen and Maria Demertzis (2011), How Anchored Are Inflation Expectations in EMU Countries?, Economic Modelling 28(1-2), 281-298. Download

Carin van der Cruijsen, Sylvester Eijffinger and Lex Hoogduin (2010), Optimal Central Bank Transparency, Journal of International Money and Finance 29(8), 1482–1507. Download

Carin van der Cruijsen and Sylvester Eijffinger (2010), From Actual to Perceived Transparency: The Case of the European Central Bank, Journal of Economic Psychology 31(3), 388-399. Download

Carin van der Cruijsen and Maria Demertzis (2007), The Impact of Central Bank Transparency on Inflation Expectations, European Journal of Political Economy 23(1), 51-66. Download

Publications in books

Sascha Füllbrunn and Carin van der Cruijsen (2018), Zahlungsverhalten in den Niederlanden – eine Fallstudie. Chapter 14 in: Lempp J., Pitz T., Sickmann J. (eds.), Die Zukunft des Bargelds. Wiesbaden: Springer Gabler, 205-217. Download

Cruijsen, C.A.B. van der, and S.C.W. Eijffinger (2010), The economic impact of central bank transparency: A survey, Chapter 9 in: Pierre Siklos, Martin Bohl and Mark Wohar (eds.), Challenges in Central Banking: The Current Institutional Environment and Forces Affecting Monetary Policy, New York: Cambridge University Press, 261-319. Download

Carin van der Cruijsen and Sylvester Eijffinger (2008), Central Bank Transparency: Does It Really Matter?, Chapter 21 in Een klassiek econoom met een brede blik: Opstellen aangeboden aan Hans Visser, Sdu uitgevers.

Other publications

Carin van der Cruijsen and Jelmer Reijerink (2023), Cash plays a key role for various groups at risk, SUERF Policy Brief 676. Download

Marie-Claire Broekhoff, Carin van der Cruijsen, Nicole Jonker, Jelmer Reijerink, Ghislaine Umuhire and Wouter Vinken (2023), Digitalisation of the payment system: a solution for some, a challenge for others, De Nederlandsche Bank, January. Download

Carin van der Cruijsen, Jakob de Haan and Maarten van Rooij (2023), High inflation erodes trust in the ECB, VoxEU column. Download

Carin van der Cruijsen, Jakob de Haan and Nicole Jonker (2021), Public trust only partly immune to COVID-19 pandemic, SUERF Policy Brief 246. Download

Carin van der Cruijsen and Anna Samarina (2021), Trust in the ECB during the pandemic, VoxEU column. Download

Michiel Bijlsma, Carin van der Cruijsen, Nicole Jonker and Jelmer Reijerink (2021), Digital euro has potential in the Netherlands, SUERF Policy Brief 150. Download

Carin van der Cruijsen, Jakob de Haan and Ria Roerink (2021), Coronacrisis tast vertrouwen in financiële instellingen niet aan (Trust in financial institutions has held up during the COVID-19 crisis), Economisch Statistische Berichten. Download

Nicole Jonker, Carin van der Cruijsen, Michiel Bijlsma and Wilko Bolt (2021), Effect of COVID-19 on payment patterns: a policy perspective, European Economy – Banks, Regulation, and the Real Sector, 2021(1), 173-187. Download

Michiel Bijlsma, Carin van der Cruijsen and Nicole Jonker (2020), Betaaldienstenrichtlijn heeft nog geen revolutie ontketend (Payment Services Directive 2 has not yet caused a revolution), Economisch Statistische Berichten. Download

Michiel Bijlsma, Harro Boven, Carin van der Cruijsen and Marc van der Maarel (2020), Verlaging van overstapdrempels in het Nederlandse betalingsverkeer: geen nummerbehoud, maar aliasgebruik? (summary in English), DNB-report. Download

Carin van der Cruijsen (2020), Alias use in the Dutch payment system not the way forward, The Paypers, May 29. Download

Carin van der Cruijsen and Joris Knoben (2019), Peer-effecten in het betaalgedrag van consumenten (Peer effects and consumer payment behaviour), Economisch Statistische Berichten 104 (4769), 43-45.Download

Maurice Doll, Frank van Hoenselaar and Carin van der Cruijsen (2017), Het gebruik van platformbedrijven belicht (A discussion of the use of platforms), Economisch Statistische Berichten 102(4754), 484-485.

Carin van der Cruijsen (2017), Gebruik van betaalgegevens en vertrouwen (Usage of payments data and trust), Economisch Statistische Berichten 102(4753S), 66-71.

Carin van der Cruijsen and Nicole Jonker (2017), Verwachte uitgaven en onzekerheid beïnvloeden pensioenvoorkeuren (Expected expenses and uncertainty affect pension profile preferences), Economisch Statistische Berichten 102(4750), 257-259.

Carin van der Cruijsen, Jakob de Haan and David-Jan Jansen (2014), Stabiliteit financiële instellingen belangrijk voor vertrouwen (Stability financial institutions important for trust), Economisch Statistische Berichten 99(4679), 106-108.

Carin van der Cruijsen and Maarten van Rooij (2012), Optimisme over eigen woning (Optimism about own home), Economisch Statistische Berichten 97(4641), 484-486.

Carin van der Cruijsen, Jakob de Haan, David-Jan Jansen and Robert Mosch (2011), Spaargedrag in crisistijd (Savings behaviour in crisis times), Economisch Statistische Berichten 96(4620), 622-624.

Carin van der Cruijsen, Jakob de Haan, David-Jan Jansen and Robert Mosch (2010), Kennis en verwachtingen over bankentoezicht (Knowledge and expectations of banking supervision), Economisch Statistische Berichten 95(4593), 570-572.

Carin van der Cruijsen (2010), Kennis over monetair beleid (Knowledge of monetary policy), Economisch Statistische Berichten 95(4590), 464.

Carin van der Cruijsen (2008), The Economic Impact of Central Bank Transparency, CentER for Economic Research, Tilburg University, The Netherlands, Dissertation Series 222. ISBN: 978 90 5668 223 1. Download

Carin van der Cruijsen (2007), Central Bank Transparency Measures, Medium Econometrische Toepassingen 15(3), 2-7.

Cruijsen, C.A.B. van der (2006), The Changing Face of Central Banking: Evolutionary Trends Since World War II (by Pierre Siklos), De Economist 154(1), 126-128.

Latest update: May 2024