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<p>Using novel survey data from Dutch households, this paper contributes to the literature by providing new evidence on an underexplored aspect of intra-household financial organisation: the allocation of payment tasks between partners (i.e. who executes or arranges specific household payments), the factors associated with this allocation, and its relevance for financial influence, preparedness, and quick awareness of financial problems. We find a considerable degree of within-household specialisation: in many households, specific payments are managed by one partner only. Clear gendered patterns emerge, with women more often handling everyday payments and men more often taking care of fixed expenses. Social norms, enjoyment of payment tasks, and time availability are most strongly associated with who takes the lead, while knowledge, financial resources, and personality traits also matter. Greater involvement in household payments is associated with stronger financial influence, better preparedness to take over a partner’s payment responsibilities, and quicker recognition of financial problems. A smooth handover is more likely when partners have strong payment knowledge, experience with digital payments, and stay informed about each other’s payment activities.</p>

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Who Manages the Household Purse? Payment Task Allocation Between Partners, Associated Factors, and Implications

  • 期刊论文

  • 发表日期：

    2026年7月3日

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  • Carin van der Cruijsen,
  • Dörthe Kunkel,
  • Rick Nijkamp

摘要

Using novel survey data from Dutch households, this paper contributes to the literature by providing new evidence on an underexplored aspect of intra-household financial organisation: the allocation of payment tasks between partners (i.e. who executes or arranges specific household payments), the factors associated with this allocation, and its relevance for financial influence, preparedness, and quick awareness of financial problems. We find a considerable degree of within-household specialisation: in many households, specific payments are managed by one partner only. Clear gendered patterns emerge, with women more often handling everyday payments and men more often taking care of fixed expenses. Social norms, enjoyment of payment tasks, and time availability are most strongly associated with who takes the lead, while knowledge, financial resources, and personality traits also matter. Greater involvement in household payments is associated with stronger financial influence, better preparedness to take over a partner’s payment responsibilities, and quicker recognition of financial problems. A smooth handover is more likely when partners have strong payment knowledge, experience with digital payments, and stay informed about each other’s payment activities.