Dutch consumers favor home providers for new payment methods
A discrete choice experiment among 2,084 Dutch LISS panel respondents finds that the provider's origin is the strongest determinant of adopting new digital payment methods. Convenience features follow, while offline and conditional payments add little.
Home bias beats every feature
The origin of the payment service provider dominates the choices of Dutch respondents.
Relative to a Dutch provider, the odds of choosing a method fall by approximately 37 percent for a European provider, 78 percent for a US provider and 88 percent for an Asian provider.
Requiring a new app lowers the odds by approximately 39 percent.
Online-only methods and methods without automatic payments are also significantly less preferred.
Offline use and conditional payments add no significant utility, and the effect of delayed payments is small.
Privacy matters only when data may be shared with third parties.
Eight choices, six segments
The survey ran in the LISS panel in November 2025 with 2,084 respondents, a response rate of 76.3 percent.
Each respondent completed eight choice sets, picking between two hypothetical payment methods or neither; price and merchant acceptance were held out.
A six-class latent class model separates reluctant non-adopters (12.8 percent) from five adopter segments.
Stated ratings put privacy first (4.51 of 5), yet its effect on actual choices was limited.
A Dutch label opens, a new app closes
The home bias is stark, yet it is conditional: price and merchant acceptance were held constant in the experiment.
Some 45 percent said they would not use a new method, but only 11 percent opted out throughout the experiment.
A trusted label opens the door; a new app to download closes it again.