We hope that the information and general advice we can provide will help you make a more informed decision. Please refer to our FSG - General Insurance. 511363 for the provision of general insurance products. We are also a Corporate Authorised Representative of Countrywide Insurance Group Pty Ltd trading as "Austbrokers Countrywide" ABN 51 586 953 292 AFSL No. We can also provide you with general advice and factual information on about a range of other products, services and providers. Please refer to our Credit Guide for more information. We also provide general advice on credit products under our own Credit Licence ACL 385509. Please refer to our FSG - Financial Products. For both unlicensed downloading and licensed streaming alike, our results suggest that consumers with higher interest in music view these channels as complements to licensed digital purchases to a larger extent.Disclaimer - Hive Empire Pty Ltd (trading as, ABN: 18 118 785 121) provides factual information, general advice and services on a range of financial products as a Corporate Authorised Representative (432664) of Centra Wealth Pty Ltd AFSL 422704. Finally, we find heterogeneous effects according to individuals’ profiles. Our results present important cross country differences in these effects, with elasticities ranging between 0.09 and 0.01. We also find a positive relationship between the use of licensed streaming websites and licensed websites selling digital music, suggesting a stimulating effect of music streaming on digital music sales. Our results show no evidence of digital music sales displacement by unlicensed downloading and present, for some countries in our sample, a rather small but positive elasticity of up to 0.04 between these two channels. In particular, we revisit the question of sales displacement in the digital era, and analyze how licensed online music streaming affects digital music purchasing behavior. We use clickstream data on a panel of more than 16,500 European consumers to analyze the relationship between different online music consumption channels.
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