Details about Joanna Stavins
Access statistics for papers by Joanna Stavins.
Last updated 2025-02-03. Update your information in the RePEc Author Service.
Short-id: pst787
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Working Papers
2025
- Are Recently Issued Credit Card Accounts More Risky?
Current Policy Perspectives, Federal Reserve Bank of Boston 
- Credit Card Delinquencies: Are New England Consumers Better Off?
New England Public Policy Center Regional Brief, Federal Reserve Bank of Boston
2024
- Buy Now, Pay Later: Who Uses It and Why
Current Policy Perspectives, Federal Reserve Bank of Boston View citations (1)
- Consumer Payment Behavior by Income and Demographics
Working Papers, Federal Reserve Bank of Boston
- Defining Households That Are Underserved in Digital Payment Services
Working Papers, Federal Reserve Bank of Boston
Also in Research Working Paper, Federal Reserve Bank of Kansas City (2024)
- Income and the CARD Act’s Ability‐to‐Pay Rule in the US Credit Card Market
Working Papers, Federal Reserve Bank of Boston
2023
- Credit Card Spending and Borrowing since the Start of the COVID-19 Pandemic
Current Policy Perspectives, Federal Reserve Bank of Boston
- Personality Traits and Financial Outcomes
Working Papers, Federal Reserve Bank of Boston
2022
- Credit Card Debt Puzzle: Liquid Assets to Pay Bills
FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta View citations (1)
Also in Working Papers, Federal Reserve Bank of Boston (2022) View citations (2)
- Payments Evolution from Paper to Electronic Payments by Merchant Type
Working Papers, Federal Reserve Bank of Boston
- Who Is Paying All These Fees? An Empirical Analysis of Bank Account and Credit Card Fees
Working Papers, Federal Reserve Bank of Boston
See also Journal Article Who is paying all these fees? An empirical analysis of bank account and credit card fees, Journal of Economics and Business, Elsevier (2024) View citations (2) (2024)
2021
- Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in Canada and the United States
Staff Working Papers, Bank of Canada View citations (5)
- Has COVID Changed Consumer Payment Behavior?
Working Papers, Federal Reserve Bank of Boston View citations (4)
- Payments Evolution from Paper to Electronic: Bill Payments and Purchases
Working Papers, Federal Reserve Bank of Boston View citations (1)
2020
- 2018 Diary of Consumer Payment Choice
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta View citations (2)
- 2018 Survey of Consumer Payment Choice
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta View citations (7)
- Consumer Payment Choice for Bill Payments
Working Papers, Federal Reserve Bank of Boston View citations (2)
- Delivering Benefits of Faster Payments to the Underserved
Consumer & Community Context, Board of Governors of the Federal Reserve System (U.S.) View citations (1)
- 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 View citations (1)
Also in Working Papers, Federal Reserve Bank of Boston (2020)
- The 2017 Diary of Consumer Payment Choice
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta View citations (5)
2019
- Does getting a mortgage affect credit card use?
Working Papers, Federal Reserve Bank of Boston View citations (1)
- How does liquidity affect consumer payment choice?
Working Papers, Federal Reserve Bank of Boston
2018
- Credit card debt and consumer payment choice: what can we learn from credit bureau data?
Working Papers, Federal Reserve Bank of Boston View citations (2)
See also Journal Article Credit Card Debt and Consumer Payment Choice: What Can We Learn from Credit Bureau Data?, Journal of Financial Services Research, Springer (2020) View citations (12) (2020)
- The 2012 diary of consumer payment choice
Research Data Report, Federal Reserve Bank of Boston View citations (5)
- The 2016 and 2017 surveys of consumer payment choice: summary results
Research Data Report, Federal Reserve Bank of Boston View citations (7)
2017
- Faster Payments: Market Structure and Policy Considerations
Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.)
Also in Current Policy Perspectives, Federal Reserve Bank of Boston (2017) View citations (1)
Research Working Paper, Federal Reserve Bank of Kansas City (2017)
- How Do Consumers Make Their Payment Choices?
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta
Also in Research Data Report, Federal Reserve Bank of Boston (2017) View citations (7)
- Payment discounts and surcharges: the role of consumer preferences
Working Papers, Federal Reserve Bank of Boston View citations (1)
- The 2015 Survey of Consumer Payment Choice: summary results
Research Data Report, Federal Reserve Bank of Boston View citations (10)
2016
- Are there social spillovers in consumers’ security assessments of payment instruments?
Working Papers, Federal Reserve Bank of Boston View citations (1)
See also Journal Article Are there Social Spillovers in Consumers’ Security Assessments of Payment Instruments?, Journal of Financial Services Research, Springer (2017) View citations (10) (2017)
- Did the Target Data Breach Change Consumer Assessments of Payment Card Security?
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta
Also in Research Data Report, Federal Reserve Bank of Boston (2016) View citations (8)
See also Journal Article Did the Target data breach change consumer assessments of payment card security?, Journal of Payments Strategy & Systems, Henry Stewart Publications (2017) View citations (1) (2017)
- The 2014 Survey of Consumer Payment Choice: Summary Results
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta
Also in Research Data Report, Federal Reserve Bank of Boston (2016) View citations (9)
- The effect of demographics on payment behavior: panel data with sample selection
Working Papers, Federal Reserve Bank of Boston View citations (11)
2015
- Explaining adoption and use of payment instruments by U.S. consumers
Boston University - Department of Economics - Working Papers Series, Boston University - Department of Economics View citations (1)
Also in Working Papers, Federal Reserve Bank of Boston (2012) View citations (58)
See also Journal Article Explaining adoption and use of payment instruments by US consumers, RAND Journal of Economics, RAND Corporation (2016) View citations (76) (2016)
- How do speed and security influence consumers' payment behavior?
Working Paper Series, European Central Bank View citations (10)
Also in Current Policy Perspectives, Federal Reserve Bank of Boston (2015) View citations (6)
See also Journal Article HOW DO SPEED AND SECURITY INFLUENCE CONSUMERS' PAYMENT BEHAVIOR?, Contemporary Economic Policy, Western Economic Association International (2016) View citations (9) (2016)
- Payment Instrument Adoption and Use in the United States, 2009-2013, by Consumers' Demographic Characteristics
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta
Also in Research Data Report, Federal Reserve Bank of Boston (2015) View citations (2)
- The 2013 Survey of Consumer Payment Choice: Summary Results
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta
Also in Research Data Report, Federal Reserve Bank of Boston (2015) View citations (2)
2014
- Merchant steering of consumer payment choice: evidence from a 2012 Diary survey
Working Papers, Federal Reserve Bank of Boston View citations (4)
See also Journal Article Merchant steering of consumer payment choice: Evidence from a 2012 diary survey, Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier (2015) View citations (9) (2015)
- The 2011 and 2012 Surveys of Consumer Payment Choice
Research Data Report, Federal Reserve Bank of Boston
- The 2011 and 2012 Surveys of Consumer Payment Choice: Summary Results
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta
2013
- Merchant Steering of Consumer Payment Choice: Lessons Learned From Consumer Surveys
Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta
Also in Research Data Report, Federal Reserve Bank of Boston (2013)
- Security of retail payments: the new strategic objective
Public Policy Discussion Paper, Federal Reserve Bank of Boston View citations (6)
- The Credit CARD Act of 2009: what did banks do?
Public Policy Discussion Paper, Federal Reserve Bank of Boston View citations (4)
See also Journal Article Credit CARD Act of 2009: What did banks do?, Journal of Banking & Finance, Elsevier (2014) View citations (21) (2014)
2012
- Credit Card Debt and Payment Use
NFI Working Papers, Indiana State University, Scott College of Business, Networks Financial Institute
Also in Working Papers, Federal Reserve Bank of Boston (2008) View citations (11)
- Effects of credit scores on consumer payment choice
Research Working Paper, Federal Reserve Bank of Kansas City View citations (4)
Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2012) View citations (2)
- How consumers pay: adoption and use of payments
Working Papers, Federal Reserve Bank of Boston View citations (7)
See also Journal Article How Consumers Pay: Adoption and Use of Payments, Accounting and Finance Research, Sciedu Press (2013) View citations (7) (2013)
2011
- 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 View citations (5)
2010
- 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 (19)
Also in Public Policy Discussion Paper, Federal Reserve Bank of Boston (2010) View citations (16)
- Who gains and who loses from credit card payments?: theory and calibrations
Public Policy Discussion Paper, Federal Reserve Bank of Boston View citations (6)
2009
- Why are (some) consumers (finally) writing fewer checks?: the role of payment characteristics
Working Papers, Federal Reserve Bank of Boston View citations (3)
See also Journal Article Why are (some) consumers (finally) writing fewer checks? The role of payment characteristics, Journal of Banking & Finance, Elsevier (2010) View citations (146) (2010)
2008
- Summary of the workshop on Consumer Behavior and Payment Choice
Public Policy Discussion Paper, Federal Reserve Bank of Boston
2007
- Consumer behavior and payment choice: 2006 conference summary
Public Policy Discussion Paper, Federal Reserve Bank of Boston View citations (3)
2006
- Consumer behavior and payment choice: a conference summary
Public Policy Discussion Paper, Federal Reserve Bank of Boston View citations (4)
2004
- Do bank mergers affect Federal Reserve check volume?
Public Policy Discussion Paper, Federal Reserve Bank of Boston View citations (2)
2002
- Network Externalities and Technology Adoption: Lessons from Electronic Payments
NBER Working Papers, National Bureau of Economic Research, Inc View citations (21)
Also in Working Papers, Federal Reserve Bank of Boston (1999) View citations (11)
Working Paper Series, Federal Reserve Bank of San Francisco (2002) View citations (12)
See also Journal Article Network Externalities and Technology Adoption: Lessons from Electronic Payments, RAND Journal of Economics, The RAND Corporation (2004) View citations (129) (2004)
1999
- Are there network externalities in electronic payments?
Proceedings, Federal Reserve Bank of Chicago View citations (2)
1997
- The effect of pricing on demand and revenue in Federal Reserve ACH payment processing
Financial Services working paper, Federal Reserve Bank of Cleveland
Also in Working Papers, Federal Reserve Bank of Boston (1997)
See also Journal Article The Effect of Pricing on Demand and Revenue in Federal Reserve ACH Payment Processing, Journal of Financial Services Research, Springer (1999) View citations (4) (1999)
1996
- Price discrimination in the airline market: the effect of market concentration
Working Papers, Federal Reserve Bank of Boston View citations (12)
See also Journal Article Price Discrimination in the Airline Market: The Effect of Market Concentration, The Review of Economics and Statistics, MIT Press (2001) View citations (132) (2001)
1995
- Estimating demand elasticities in a differentiated product industry: the personal computer market
Working Papers, Federal Reserve Bank of Boston View citations (2)
See also Journal Article Estimating demand elasticities in a differentiated product industry: The personal computer market, Journal of Economics and Business, Elsevier (1997) View citations (15) (1997)
Journal Articles
2024
- Can cash and mobile pay co-exist? What the data tell us
Journal of Payments Strategy & Systems, 2024, 18, (3), 309-318
- Who is paying all these fees? An empirical analysis of bank account and credit card fees
Journal of Economics and Business, 2024, 129, (C) View citations (2)
See also Working Paper Who Is Paying All These Fees? An Empirical Analysis of Bank Account and Credit Card Fees, Working Papers (2022) (2022)
2023
- Changes in US payment behaviour during COVID-19: Differences by income and demographics
Journal of Payments Strategy & Systems, 2023, 17, (3), 230-237
- Credit card debt puzzle: liquid assets to pay household bills
International Review of Economics, 2023, 70, (4), 503-535
- Regressive effects of payment card pricing and merchant cost pass-through in the United States and Canada
Journal of Banking & Finance, 2023, 154, (C) View citations (2)
2022
- Does getting a mortgage affect consumer credit use?
Review of Economics of the Household, 2022, 20, (3), 955-991 View citations (1)
2021
- Income and banking access in the USA: The effect on bill payment choice
Journal of Payments Strategy & Systems, 2021, 15, (3), 244-249 View citations (4)
- UNPREPARED FOR FINANCIAL SHOCKS: EMERGENCY SAVINGS AND CREDIT CARD DEBT
Contemporary Economic Policy, 2021, 39, (1), 59-82 View citations (8)
2020
- 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 View citations (12)
See also Working Paper Credit card debt and consumer payment choice: what can we learn from credit bureau data?, Working Papers (2018) View citations (2) (2018)
2018
- Consumer preferences for payment methods: Role of discounts and surcharges
Journal of Banking & Finance, 2018, 94, (C), 35-53 View citations (31)
2017
- Are there Social Spillovers in Consumers’ Security Assessments of Payment Instruments?
Journal of Financial Services Research, 2017, 52, (1), 5-34 View citations (10)
See also Working Paper Are there social spillovers in consumers’ security assessments of payment instruments?, Working Papers (2016) View citations (1) (2016)
- Did the Target data breach change consumer assessments of payment card security?
Journal of Payments Strategy & Systems, 2017, 11, (2), 121-133 View citations (1)
See also Working Paper Did the Target Data Breach Change Consumer Assessments of Payment Card Security?, Consumer Payments Research Data Reports (2016) (2016)
2016
- Explaining adoption and use of payment instruments by US consumers
RAND Journal of Economics, 2016, 47, (2), 293-325 View citations (76)
See also Working Paper Explaining adoption and use of payment instruments by U.S. consumers, Boston University - Department of Economics - Working Papers Series (2015) View citations (1) (2015)
- HOW DO SPEED AND SECURITY INFLUENCE CONSUMERS' PAYMENT BEHAVIOR?
Contemporary Economic Policy, 2016, 34, (4), 595-613 View citations (9)
See also Working Paper How do speed and security influence consumers' payment behavior?, Working Paper Series (2015) View citations (10) (2015)
2015
- 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 View citations (9)
See also Working Paper Merchant steering of consumer payment choice: evidence from a 2012 Diary survey, Working Papers (2014) View citations (4) (2014)
2014
- Credit CARD Act of 2009: What did banks do?
Journal of Banking & Finance, 2014, 46, (C), 21-30 View citations (21)
See also Working Paper The Credit CARD Act of 2009: what did banks do?, Public Policy Discussion Paper (2013) View citations (4) (2013)
2013
- How Consumers Pay: Adoption and Use of Payments
Accounting and Finance Research, 2013, 2, (2), 1 View citations (7)
See also Working Paper How consumers pay: adoption and use of payments, Working Papers (2012) View citations (7) (2012)
2012
- 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 View citations (4)
2011
- Potential effects of an increase in debit card fees
Public Policy Brief, 2011 View citations (2)
2010
- Mobile Payments at the Retail Point of Sale in the United States: Prospects for Adoption
Review of Network Economics, 2010, 9, (4), 31 View citations (16)
- Why are (some) consumers (finally) writing fewer checks? The role of payment characteristics
Journal of Banking & Finance, 2010, 34, (8), 1745-1758 View citations (146)
See also Working Paper Why are (some) consumers (finally) writing fewer checks?: the role of payment characteristics, Working Papers (2009) View citations (3) (2009)
2009
- Frontier policy issues in consumer payment behaviour
Journal of Payments Strategy & Systems, 2009, 3, (4), 333-348
2004
- Network Externalities and Technology Adoption: Lessons from Electronic Payments
RAND Journal of Economics, 2004, 35, (2), 260-276 View citations (129)
See also Working Paper Network Externalities and Technology Adoption: Lessons from Electronic Payments, NBER Working Papers (2002) View citations (21) (2002)
2003
- Network externalities in the market for electronic check payments
New England Economic Review, 2003, 19-30 View citations (1)
- Perspective on payments
Regional Review, 2003, (Q 1), 6-9 View citations (1)
2002
- Effect of consumer characteristics on the use of payment instruments
New England Economic Review, 2002, (Q 3), 19-31 View citations (4)
- Who uses electronic check products: a look at depository institutions
New England Economic Review, 2002, (Q 3), 3-16 View citations (1)
2001
- Has widespread use of credit cards contributed to the increase in personal bankruptcy?
Regional Review, 2001, (Q4 2000 / Q1 2001), 4-7
- Perspective: While more people are paying electronically, many of us still cling to checks
Regional Review, 2001, 11, (Q 4), 2 - 4
- Price Discrimination in the Airline Market: The Effect of Market Concentration
The Review of Economics and Statistics, 2001, 83, (1), 200-202 View citations (132)
See also Working Paper Price discrimination in the airline market: the effect of market concentration, Working Papers (1996) View citations (12) (1996)
2000
- ATM fees: does bank size matter?
New England Economic Review, 2000, (Jan), 13-24 View citations (8)
- Credit card borrowing, delinquency, and personal bankruptcy
New England Economic Review, 2000, (Jul), 15-30 View citations (27)
1999
- Checking accounts: what do banks offer and what do consumers value?
New England Economic Review, 1999, (Mar), 3-14 View citations (18)
- Checking accounts:; fees and features, consumer preferences, impact on bank revenues
New England Banking Trends, 1999, (Fall), 1-8
- The Effect of Pricing on Demand and Revenue in Federal Reserve ACH Payment Processing
Journal of Financial Services Research, 1999, 16, (1), 27-45 View citations (4)
See also Working Paper The effect of pricing on demand and revenue in Federal Reserve ACH payment processing, Financial Services working paper (1997) (1997)
1998
- Has antitrust policy in banking become obsolete?
New England Economic Review, 1998, (Mar), 13-26 View citations (28)
1997
- A comparison of social costs and benefits of paper check presentment and ECP with truncation
New England Economic Review, 1997, (Jul), 27-44 View citations (12)
- Estimating demand elasticities in a differentiated product industry: The personal computer market
Journal of Economics and Business, 1997, 49, (4), 347-367 View citations (15)
See also Working Paper Estimating demand elasticities in a differentiated product industry: the personal computer market, Working Papers (1995) View citations (2) (1995)
1996
- Can demand elasticities explain sticky credit card rates?
New England Economic Review, 1996, (Jul), 43-54 View citations (17)
1995
- Firm strategies in the personal computer market: are established brands better off?
New England Economic Review, 1995, (Nov), 13-24 View citations (1)
- Model Entry and Exit in a Differentiated-Product Industry: The Personal Computer Market
The Review of Economics and Statistics, 1995, 77, (4), 571-84 View citations (77)
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