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Details about Joanna Stavins

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Homepage:https://www.bostonfed.org/people/bank/joanna-stavins.aspx
Workplace:Economic Research, Federal Reserve Bank of Boston, (more information at EDIRC)
Federal Reserve Bank of Boston, (more information at EDIRC)

Access statistics for papers by Joanna Stavins.

Last updated 2020-12-17. Update your information in the RePEc Author Service.

Short-id: pst787


Jump to Journal Articles

Working Papers

2020

  1. 2018 Diary of Consumer Payment Choice
    Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta Downloads
  2. 2018 Survey of Consumer Payment Choice
    Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta Downloads View citations (7)
  3. Consumer Payment Choice for Bill Payments
    Working Papers, Federal Reserve Bank of Boston Downloads
  4. Delivering Benefits of Faster Payments to the Underserved
    Consumer & Community Context, Board of Governors of the Federal Reserve System (U.S.) Downloads
  5. Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in the United States and Canada
    Research Working Paper, Federal Reserve Bank of Kansas City Downloads
    Also in Working Papers, Federal Reserve Bank of Boston (2020) Downloads
  6. The 2017 Diary of Consumer Payment Choice
    Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta Downloads View citations (5)

2019

  1. Does getting a mortgage affect credit card use?
    Working Papers, Federal Reserve Bank of Boston Downloads
  2. How does liquidity affect consumer payment choice?
    Working Papers, Federal Reserve Bank of Boston Downloads

2018

  1. Credit card debt and consumer payment choice: what can we learn from credit bureau data?
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (1)
    See also Journal Article in Journal of Financial Services Research (2020)
  2. The 2012 diary of consumer payment choice
    Research Data Report, Federal Reserve Bank of Boston Downloads View citations (4)
  3. The 2016 and 2017 surveys of consumer payment choice: summary results
    Research Data Report, Federal Reserve Bank of Boston Downloads View citations (5)

2017

  1. Faster Payments: Market Structure and Policy Considerations
    Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) Downloads
    Also in Research Working Paper, Federal Reserve Bank of Kansas City (2017) Downloads
    Current Policy Perspectives, Federal Reserve Bank of Boston (2017) Downloads
  2. How do consumers make their payment choices?
    Research Data Report, Federal Reserve Bank of Boston Downloads View citations (3)
  3. Payment discounts and surcharges: the role of consumer preferences
    Working Papers, Federal Reserve Bank of Boston Downloads
  4. The 2015 Survey of Consumer Payment Choice: summary results
    Research Data Report, Federal Reserve Bank of Boston Downloads View citations (8)

2016

  1. Are there social spillovers in consumers’ security assessments of payment instruments?
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (1)
    See also Journal Article in Journal of Financial Services Research (2017)
  2. Did the Target data breach change consumer assessments of payment card security?
    Research Data Report, Federal Reserve Bank of Boston Downloads View citations (7)
  3. The 2014 survey of consumer payment choice: summary results
    Research Data Report, Federal Reserve Bank of Boston Downloads View citations (9)
  4. The effect of demographics on payment behavior: panel data with sample selection
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (7)

2015

  1. Explaining adoption and use of payment instruments by U.S. consumers
    Boston University - Department of Economics - Working Papers Series, Boston University - Department of Economics Downloads View citations (1)
    Also in Working Papers, Federal Reserve Bank of Boston (2012) Downloads View citations (58)

    See also Journal Article in RAND Journal of Economics (2016)
  2. How do speed and security influence consumers' payment behavior?
    Working Paper Series, European Central Bank Downloads View citations (4)
    Also in Current Policy Perspectives, Federal Reserve Bank of Boston (2015) Downloads View citations (4)

    See also Journal Article in Contemporary Economic Policy (2016)
  3. Payment instrument adoption and use in the United States, 2009–2013, by consumers' demographic characteristics
    Research Data Report, Federal Reserve Bank of Boston Downloads View citations (1)
  4. The 2013 Survey of Consumer Payment Choice: summary results
    Research Data Report, Federal Reserve Bank of Boston Downloads View citations (2)

2014

  1. Merchant steering of consumer payment choice: evidence from a 2012 Diary survey
    Working Papers, Federal Reserve Bank of Boston Downloads
    See also Journal Article in Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics) (2015)
  2. The 2011 and 2012 Surveys of Consumer Payment Choice
    Research Data Report, Federal Reserve Bank of Boston Downloads

2013

  1. Merchant steering of consumer payment choice: lessons learned from consumer surveys
    Research Data Report, Federal Reserve Bank of Boston Downloads
  2. Security of retail payments: the new strategic objective
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (5)
  3. The Credit CARD Act of 2009: what did banks do?
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads
    See also Journal Article in Journal of Banking & Finance (2014)

2012

  1. Credit Card Debt and Payment Use
    NFI Working Papers, Indiana State University, Scott College of Business, Networks Financial Institute Downloads
    Also in Working Papers, Federal Reserve Bank of Boston (2008) Downloads View citations (9)
  2. Effects of credit scores on consumer payment choice
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (2)
    Also in Research Working Paper, Federal Reserve Bank of Kansas City (2012) Downloads View citations (3)
  3. How consumers pay: adoption and use of payments
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (3)

2011

  1. An economic analysis of the 2010 proposed settlement between the Department of Justice and credit card networks
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (2)

2010

  1. Mobile Payments in the United States at Retail Point of Sale: Current Market and Future Prospects
    Boston University - Department of Economics - Working Papers Series, Boston University - Department of Economics View citations (10)
    Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2010) Downloads View citations (10)
  2. Who gains and who loses from credit card payments?: theory and calibrations
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (4)

2009

  1. Why are (some) consumers (finally) writing fewer checks?: the role of payment characteristics
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (2)
    See also Journal Article in Journal of Banking & Finance (2010)

2008

  1. Summary of the workshop on Consumer Behavior and Payment Choice
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads

2007

  1. Consumer behavior and payment choice: 2006 conference summary
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (3)

2006

  1. Consumer behavior and payment choice: a conference summary
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (2)

2004

  1. Do bank mergers affect Federal Reserve check volume?
    Public Policy Discussion Paper, Federal Reserve Bank of Boston Downloads View citations (2)

2002

  1. Network Externalities and Technology Adoption: Lessons from Electronic Payments
    NBER Working Papers, National Bureau of Economic Research, Inc Downloads View citations (17)
    Also in Working Paper Series, Federal Reserve Bank of San Francisco (2002) Downloads View citations (9)
    Working Papers, Federal Reserve Bank of Boston (1999) Downloads View citations (10)

    See also Journal Article in RAND Journal of Economics (2004)

1999

  1. Are there network externalities in electronic payments?
    Proceedings, Federal Reserve Bank of Chicago View citations (2)

1997

  1. The effect of pricing on demand and revenue in Federal Reserve ACH payment processing
    Working Papers, Federal Reserve Bank of Boston Downloads
    Also in Financial Services working paper, Federal Reserve Bank of Cleveland (1997) Downloads

    See also Journal Article in Journal of Financial Services Research (1999)

1996

  1. Price discrimination in the airline market: the effect of market concentration
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (10)
    See also Journal Article in The Review of Economics and Statistics (2001)

1995

  1. Estimating demand elasticities in a differentiated product industry: the personal computer market
    Working Papers, Federal Reserve Bank of Boston Downloads View citations (1)
    See also Journal Article in Journal of Economics and Business (1997)

Journal Articles

2021

  1. UNPREPARED FOR FINANCIAL SHOCKS: EMERGENCY SAVINGS AND CREDIT CARD DEBT
    Contemporary Economic Policy, 2021, 39, (1), 59-82 Downloads

2020

  1. Credit Card Debt and Consumer Payment Choice: What Can We Learn from Credit Bureau Data?
    Journal of Financial Services Research, 2020, 58, (1), 59-90 Downloads View citations (1)
    See also Working Paper (2018)

2018

  1. Consumer preferences for payment methods: Role of discounts and surcharges
    Journal of Banking & Finance, 2018, 94, (C), 35-53 Downloads View citations (13)

2017

  1. Are there Social Spillovers in Consumers’ Security Assessments of Payment Instruments?
    Journal of Financial Services Research, 2017, 52, (1), 5-34 Downloads View citations (5)
    See also Working Paper (2016)

2016

  1. Explaining adoption and use of payment instruments by US consumers
    RAND Journal of Economics, 2016, 47, (2), 293-325 Downloads View citations (33)
    See also Working Paper (2015)
  2. HOW DO SPEED AND SECURITY INFLUENCE CONSUMERS' PAYMENT BEHAVIOR?
    Contemporary Economic Policy, 2016, 34, (4), 595-613 Downloads View citations (4)
    See also Working Paper (2015)

2015

  1. Merchant steering of consumer payment choice: Evidence from a 2012 diary survey
    Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), 2015, 55, (C), 1-9 Downloads View citations (5)
    See also Working Paper (2014)

2014

  1. Credit CARD Act of 2009: What did banks do?
    Journal of Banking & Finance, 2014, 46, (C), 21-30 Downloads View citations (11)
    See also Working Paper (2013)

2012

  1. AN ECONOMIC ANALYSIS OF THE 2011 SETTLEMENT BETWEEN THE DEPARTMENT OF JUSTICE AND CREDIT CARD NETWORKS
    Journal of Competition Law and Economics, 2012, 8, (1), 107-144 Downloads View citations (2)

2011

  1. Potential effects of an increase in debit card fees
    Public Policy Brief, 2011 Downloads View citations (1)

2010

  1. Mobile Payments at the Retail Point of Sale in the United States: Prospects for Adoption
    Review of Network Economics, 2010, 9, (4), 1-31 Downloads View citations (6)
  2. Why are (some) consumers (finally) writing fewer checks? The role of payment characteristics
    Journal of Banking & Finance, 2010, 34, (8), 1745-1758 Downloads View citations (92)
    See also Working Paper (2009)

2004

  1. Network Externalities and Technology Adoption: Lessons from Electronic Payments
    RAND Journal of Economics, 2004, 35, (2), 260-276 View citations (84)
    See also Working Paper (2002)

2003

  1. Network externalities in the market for electronic check payments
    New England Economic Review, 2003, 19-30 Downloads
  2. Perspective on payments
    Regional Review, 2003, (Q 1), 6-9 Downloads

2002

  1. Effect of consumer characteristics on the use of payment instruments
    New England Economic Review, 2002, (Q 3), 19-31 Downloads View citations (1)
  2. Who uses electronic check products: a look at depository institutions
    New England Economic Review, 2002, (Q 3), 3-16 Downloads View citations (1)

2001

  1. Has widespread use of credit cards contributed to the increase in personal bankruptcy?
    Regional Review, 2001, (Q4 2000 / Q1 2001), 4-7 Downloads
  2. Perspective: While more people are paying electronically, many of us still cling to checks
    Regional Review, 2001, 11, (Q 4), 2 - 4 Downloads
  3. Price Discrimination in the Airline Market: The Effect of Market Concentration
    The Review of Economics and Statistics, 2001, 83, (1), 200-202 Downloads View citations (49)
    See also Working Paper (1996)

2000

  1. ATM fees: does bank size matter?
    New England Economic Review, 2000, (Jan), 13-24 Downloads View citations (7)
  2. Credit card borrowing, delinquency, and personal bankruptcy
    New England Economic Review, 2000, (Jul), 15-30 Downloads View citations (17)

1999

  1. Checking accounts: what do banks offer and what do consumers value?
    New England Economic Review, 1999, (Mar), 3-14 Downloads View citations (9)
  2. Checking accounts:; fees and features, consumer preferences, impact on bank revenues
    New England Banking Trends, 1999, (Fall), 1-8
  3. The Effect of Pricing on Demand and Revenue in Federal Reserve ACH Payment Processing
    Journal of Financial Services Research, 1999, 16, (1), 27-45 Downloads View citations (4)
    See also Working Paper (1997)

1998

  1. Has antitrust policy in banking become obsolete?
    New England Economic Review, 1998, (Mar), 13-26 Downloads View citations (18)

1997

  1. A comparison of social costs and benefits of paper check presentment and ECP with truncation
    New England Economic Review, 1997, (Jul), 27-44 Downloads View citations (9)
  2. Estimating demand elasticities in a differentiated product industry: The personal computer market
    Journal of Economics and Business, 1997, 49, (4), 347-367 Downloads View citations (14)
    See also Working Paper (1995)

1996

  1. Can demand elasticities explain sticky credit card rates?
    New England Economic Review, 1996, (Jul), 43-54 Downloads View citations (11)

1995

  1. Firm strategies in the personal computer market: are established brands better off?
    New England Economic Review, 1995, (Nov), 13-24 Downloads
  2. Model Entry and Exit in a Differentiated-Product Industry: The Personal Computer Market
    The Review of Economics and Statistics, 1995, 77, (4), 571-84 Downloads View citations (47)
 
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