Oz Shy

Federal Reserve Banks - Federal Reserve Bank of Atlanta

1000 Peachtree Street N.E.

Atlanta, GA 30309-4470

United States

http://www.frbatlanta.org/research/economists/shy-oz.aspx?panel=1

  • Federal Reserve Banks - Federal Reserve Bank of Atlanta

SCHOLARLY PAPERS

72

DOWNLOADS
Rank 8,415

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Top 8,415

in Total Papers Downloads

11,356

TOTAL CITATIONS
Rank 9,562

SSRN RANKINGS

Top 9,562

in Total Papers Citations

140

Scholarly Papers (72)

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1.

A Short Survey of Network Economics

FRB of Boston Working Paper No. 10-3
Number of pages: 49 Posted: 06 May 2010
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 694 (80,231)
Citation 7

Abstract:

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Survey, Network Economics, Network Industries, Network Effects, Network Externalities

2.

Costs and Benefits of Building Faster Payment Systems: The U.K. Experience and Implications for the United States

Federal Reserve Bank of Boston Research Paper Series Current Policy Perspectives No. 14-5
Number of pages: 47 Posted: 14 Feb 2015
Claire Greene, Marc Rysman, Scott D. Schuh and Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Boston University - Department of Economics, Federal Reserve Bank of Boston - Research Department and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 628 (91,232)
Citation 11

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fast payments systems, cost-benefit analysis, account-to-account (A2A) transfers, person-to-person (P2P) payments

3.

Minimum Wage as a Focal Point

Number of pages: 26 Posted: 09 Oct 2014 Last Revised: 12 Jul 2018
Oz Shy and David Zhang
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Rice University - Jesse H. Jones Graduate School of Business
Downloads 442 (140,703)

Abstract:

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Low minimum wage, wage collusion, wage competition, imperfectly-competitive labor markets, focal point, antitrust law

4.

Stock Exchange Alliances, Access Fees and Competition

Bank of Finland Working Paper No. 22/2001
Number of pages: 42 Posted: 30 Oct 2001
Oz Shy and Juha Tarkka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Bank of Finland - Research
Downloads 424 (147,594)
Citation 14

Abstract:

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stock exchange alliances, access fees, competition among stock exchanges

5.

Window Shopping

Number of pages: 18 Posted: 06 Jan 2014
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 377 (168,548)

Abstract:

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window shopping, showrooming, brick-and-mortar stores, online shopping, online retailers, virtual stores, bricks and clicks

6.

Limited Deposit Insurance Coverage and Bank Competition

Downloads 362 (176,310)
Citation 10

Limited Deposit Insurance Coverage and Bank Competition

FEDS Working Paper No. 2014-99
Posted: 09 Jul 2021
Oz Shy, Rune Stenbacka and Vladimir Yankov
Federal Reserve Banks - Federal Reserve Bank of Atlanta, affiliation not provided to SSRN and Board of Governors of the Federal Reserve System

Abstract:

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Limited Deposit Insurance Coverage and Bank Competition

FEDS Working Paper No. 2014-53
Posted: 09 Jul 2021
Oz Shy, Rune Stenbacka and Vladimir Yankov
Federal Reserve Banks - Federal Reserve Bank of Atlanta, affiliation not provided to SSRN and Board of Governors of the Federal Reserve System

Abstract:

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Limited Deposit Insurance Coverage and Bank Competition

Number of pages: 38 Posted: 19 Jun 2014 Last Revised: 20 Apr 2016
Oz Shy, Rune Stenbacka and Vladimir Yankov
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Hanken School of Economics and Board of Governors of the Federal Reserve System
Downloads 187 (342,432)
Citation 1

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Limited deposit insurance coverage, deposit rates, bank competition, bailout cost.

Limited Deposit Insurance Coverage and Bank Competition

FEDS Working Paper No. 2014-53
Number of pages: 40 Posted: 10 Aug 2014
Oz Shy, Rune Stenbacka and Vladimir Yankov
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Hanken School of Economics and Board of Governors of the Federal Reserve System
Downloads 98 (581,636)

Abstract:

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Limited deposit insurance coverage, deposit rates, bank competition

Limited Deposit Insurance Coverage and Bank Competition

FEDS Working Paper No. 2014-99
Number of pages: 42 Posted: 10 Dec 2014
Oz Shy, Rune Stenbacka and Vladimir Yankov
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Hanken School of Economics and Board of Governors of the Federal Reserve System
Downloads 77 (676,492)
Citation 9

Abstract:

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Limited deposit insurance coverage, deposit rates, bank competition

7.

Customer Privacy and Competition

Number of pages: 36 Posted: 10 Jan 2014 Last Revised: 27 Jul 2015
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 351 (182,401)
Citation 4

Abstract:

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customer privacy, privacy protection, customer recognition, price discrimination, behavior-based pricing

8.

Tips versus Higher Wages: Data, Theory, and Simulations

Number of pages: 28 Posted: 01 Mar 2018 Last Revised: 08 Feb 2019
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 338 (190,069)

Abstract:

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Minimum wage for tipped employees, minimum wage, tipping, service charge, tip income, tipping as a social norm.

9.

Market Dominance and Behavior-Based Pricing Under Horizontal and Vertical Differentiation

Number of pages: 27 Posted: 08 Nov 2007
Thomas Gehrig, Oz Shy and Rune Stenbacka
University of Vienna, Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 334 (192,477)
Citation 3

Abstract:

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market dominance, behavior-based pricing, consumer loyalty, poaching, price discrimination, horizontal and vertical differentiation

10.

Relative Market Share, Leadership and Competition in Concentrated Banking Markets

ICER Working Paper Series No. 14-2005
Number of pages: 20 Posted: 28 Jul 2005
Arie Melnik, Oz Shy and Rune Stenbacka
University of Haifa - Department of Economics, Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 299 (216,777)
Citation 1

Abstract:

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11.

Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations

FRB of Boston Public Policy Discussion Paper No. 10-3
Number of pages: 61 Posted: 03 Aug 2010 Last Revised: 03 Sep 2010
Scott D. Schuh, Oz Shy and Joanna Stavins
Federal Reserve Bank of Boston - Research Department, Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 298 (217,518)
Citation 18

Abstract:

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Credit Cards, Cash, Merchant Fees, Rewards, Regressive Transfers, No Surcharge Rule

12.

Hotelling's Model with Firms Located Close to Each Other

Number of pages: 24 Posted: 24 Mar 2022 Last Revised: 22 Jan 2024
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 268 (242,824)

Abstract:

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Hotelling's model, imperfect competition, product differentiation, location model, nonexistence of Nash equilibria, undercut-proof equilibria.

13.

Anti-Poaching Agreements in Labor Markets

Number of pages: 41 Posted: 25 Feb 2015 Last Revised: 12 May 2018
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 265 (245,507)
Citation 1

Abstract:

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Anti-poaching agreements, wage competition, anticompetitive behavior, poaching offers, switching employers, labor mobility, productivity

14.

Consumer Use of Multiple Payment Methods

Downloads 251 (259,487)
Citation 1

Consumer Use of Multiple Payment Methods

Number of pages: 23 Posted: 28 Jun 2019 Last Revised: 16 Dec 2020
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 163 (387,379)
Citation 1

Abstract:

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Multiple payment methods, consumer payment choice, payment instruments, in-person purchases, concentration and inequality measures.

Consumer Use of Multiple Payment Methods

FRB Atlanta Working Paper No. 2019-19
Number of pages: 18 Posted: 03 Dec 2019 Last Revised: 29 Apr 2020
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 88 (623,901)

Abstract:

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multiple payment methods, consumer payment choice, payment instruments, in-person purchases, concentration measures

15.

Cash Payments and the Penny Policy Debate

Number of pages: 39 Posted: 09 Apr 2021 Last Revised: 10 Feb 2023
Brian C. Prescott and Oz Shy
Washington University in St. Louis - Department of Economics and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 247 (263,672)

Abstract:

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Optimal currency denominations, cash transactions, burden of exchanging cash, penny elimination.

16.

Alternative Methods for Studying Consumer Payment Choice

Downloads 245 (265,784)
Citation 3

Alternative Methods for Studying Consumer Payment Choice

Number of pages: 30 Posted: 01 Jun 2018 Last Revised: 24 Oct 2022
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 185 (345,919)
Citation 2

Abstract:

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Studying consumer payment choice, statistical learning, machine learning.

Alternative Methods for Studying Consumer Payment Choice

FRB Atlanta Working Paper No. 2020-8
Number of pages: 25 Posted: 06 Aug 2020
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 60 (776,134)
Citation 1

Abstract:

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studying consumer payment choice, point of sale, statistical learning, machine learning

17.

Faster Bank Runs

Number of pages: 37 Posted: 11 Oct 2023 Last Revised: 18 Nov 2024
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 232 (280,334)

Abstract:

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Faster bank runs, instant money transfers, digital banking., bailout delay, liquidity reserve requirement

18.

Cashless Stores and Cash Users

Downloads 230 (282,680)
Citation 2

Cashless Stores and Cash Users

Number of pages: 27 Posted: 21 May 2019 Last Revised: 16 Feb 2021
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 162 (389,493)
Citation 2

Abstract:

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Cashless stores, , policy options for alternatives to cash, banning cashless stores, consumer payment choice, in-person purchases.

Cashless Stores and Cash Users

FRB Atlanta Working Paper No. 2019-11
Number of pages: 26 Posted: 09 May 2019 Last Revised: 29 Apr 2020
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 68 (725,846)

Abstract:

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cashless stores, banning cashless stores, consumer payment choice, in-person purchases, alternatives to cash, random utility

19.

Person-to-Person Electronic Funds Transfers: Recent Developments and Policy Issues

FRB of Boston Public Policy Discussion Paper No. 10-1
Number of pages: 42 Posted: 27 Feb 2010 Last Revised: 03 Mar 2010
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 212 (305,658)

Abstract:

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Automated Clearing Houses (ACH), Person-To-Person Electronic Funds Transfers, Account-To-Account Transfers, Online Banking, Mobile Banking

20.

Price Competition, Business Hours, and Shopping Time Flexibility

WZB Markets and Political Economy Working Paper No. SP II 2004-14
Number of pages: 32 Posted: 10 Jan 2005
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 204 (316,953)
Citation 1

Abstract:

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Business Hours, Delayed or Advanced Shopping, Differentiated Business Hours, Price Competition, Shopping Time Flexibility

21.

A Model of Student Loans and the Burden of Tuition

Number of pages: 17 Posted: 27 Jun 2022 Last Revised: 02 Nov 2022
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 199 (324,215)
Citation 1

Abstract:

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Student loans, tuition inflation, tuition hike, tuition burden.

22.

Common Ownership, Institutional Investors, and Welfare

Number of pages: 30 Posted: 02 Jan 2019 Last Revised: 28 Jul 2023
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 199 (324,215)
Citation 6

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Common ownership, institutional investors, market power, portfolio diversification.

23.

Dynamic Models of Religious Conformity and Conversion: Theory and Calibrations

WZB Markets and Political Economy Working Paper No. SP II 2005-12
Number of pages: 39 Posted: 31 Aug 2005
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 181 (353,833)
Citation 1

Abstract:

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Conversion, Religious conformity, Role of the Church, Nonconformity, Nonreligious people, Religious Affiliation, Parents' education, Believers

24.

Undercut-Proof Equilibria with Multiple Firms

Number of pages: 16 Posted: 01 Dec 2013 Last Revised: 27 Mar 2015
Peter B. Morgan and Oz Shy
University at Buffalo and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 176 (362,607)
Citation 1

Abstract:

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Undercut-Proof Equilibrium, Differentiated Products, Multiple firms, Conjectural Variations

25.

Do Tips Increase Workers' Income?

Number of pages: 25 Posted: 01 Dec 2013 Last Revised: 03 Feb 2014
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 162 (389,724)
Citation 2

Abstract:

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Tipping, hourly wage, tip-inclusive hourly income, tipping as a social norm

26.

How Currency Denomination and the ATM Affect the Way We Pay

Downloads 161 (391,861)
Citation 2

How Currency Denomination and the ATM Affect the Way We Pay

Number of pages: 24 Posted: 08 Jan 2019 Last Revised: 08 Mar 2020
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 83 (647,075)
Citation 1

Abstract:

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Currency denomination, automated teller machines, ATM, cash payments, consumer payment choice, payment methods, in-person purchases.

How Currency Denomination and the ATM Affect the Way We Pay

FRB Atlanta Working Paper No. 2019-2
Number of pages: 24 Posted: 26 Feb 2019
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 78 (671,492)
Citation 1

Abstract:

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currency denominations, automated teller machines, ATM, cash payments, consumer payment choice, payment methods, in-person purchases

27.

Ring-Fencing, Lending Competition, and Taxpayer Exposure

Number of pages: 30 Posted: 25 Nov 2016 Last Revised: 02 Sep 2017
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 156 (402,588)
Citation 2

Abstract:

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Ring-fencing, separation of retail banking and investment banking, financial crises, bailout of banks, lending market competition

28.

Bank Competition, Real Investments, and Welfare

Number of pages: 23 Posted: 04 Aug 2016 Last Revised: 10 Sep 2018
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 152 (411,456)
Citation 1

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Investment crowding-out, size of the banking sector, deposit market competition, economic growth

29.

Why Don't Most Merchants Use Price Discounts to Steer Consumer Payment Choice?

Number of pages: 31 Posted: 01 Dec 2013 Last Revised: 11 Jan 2014
Tamas Briglevics and Oz Shy
Boston College and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 139 (442,147)
Citation 8

Abstract:

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Steering payment methods, price discounts, card surcharges, merchant discount fee, swipe cost, payment instruments, payment methods

30.

Interchange fees with cashless stores, cashless consumers, and cash-only consumers

Number of pages: 14 Posted: 27 Aug 2021 Last Revised: 03 Feb 2022
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 134 (455,276)
Citation 3

Abstract:

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Interchange fees, cashless stores, cashless consumers, debit and credit cards, antitrust regulation, card organizations, payment choice.

31.

Low-Income Consumers and Payment Choice

Downloads 131 (463,716)
Citation 3

Low-Income Consumers and Payment Choice

Number of pages: 20 Posted: 08 Mar 2020 Last Revised: 02 Oct 2020
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 73 (697,553)

Abstract:

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Consumer payment choice, household income, financial inclusion, unbanked consumers.

Low-Income Consumers and Payment Choice

FRB Atlanta Working Paper No. 2020-3
Number of pages: 16 Posted: 29 Apr 2020
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 58 (789,818)
Citation 3

Abstract:

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consumer payment choice, household income, diversity, unbanked consumers, random utility analysis, unbanked, financial inclusion, consumer surveys, consumer behavior

32.

Noncompete Agreements, Training, and Wage Competition

Number of pages: 34 Posted: 05 Jan 2022 Last Revised: 05 Oct 2022
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 125 (481,072)
Citation 1

Abstract:

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Noncompete agreements, wage competition, on-the-job training, labor law, switching costs

33.

Measuring Some Effects of the 2011 Debit Card Interchange Fee Reform

Number of pages: 31 Posted: 10 Jan 2014
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 124 (484,191)
Citation 3

Abstract:

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Debit card interchange fees

34.

An Overlapping Generations Model of Taxpayer Bailouts of Banks

Number of pages: 30 Posted: 02 Mar 2016 Last Revised: 24 Sep 2017
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 123 (487,243)
Citation 1

Abstract:

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Bank failures, taxpayer bailout of banks, equity bail-in, risk-taking by banks, financial fragility

35.

Real Estate Brokers and Commission: Theory and Calibrations

Downloads 119 (499,787)
Citation 4

Real Estate Brokers and Commission: Theory and Calibrations

FRB of Boston Working Paper No. 09-8
Number of pages: 22 Posted: 18 Sep 2009
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 119 (502,450)
Citation 4

Abstract:

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real estate brokers, selling a house, conflict of interest, middleman, commission, price fixing

Real Estate Brokers and Commission: Theory and Calibrations

Journal of Real Estate Finance and Economics, Vol. 45, No. 4, 2012
Posted: 13 Dec 2012 Last Revised: 30 Nov 2013
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta

Abstract:

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real estate brokers, selling a house, conflict of interest, Middleman, commission, price fixing, loss aversion

36.

How People Pay Each Other: Data, Theory, and Calibrations

Downloads 116 (509,519)

How People Pay Each Other: Data, Theory, and Calibrations

Number of pages: 30 Posted: 19 Mar 2021 Last Revised: 21 Aug 2021
Claire Greene, Brian C. Prescott and Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Washington University in St. Louis - Department of Economics and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 71 (708,613)

Abstract:

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Consumer payment choice, person-to-person payments, electronic payments, mixed logit, machine learning, random matching.

How People Pay Each Other: Data, Theory, and Calibrations

FRB Atlanta Working Paper No. 2021-11
Number of pages: 37 Posted: 14 May 2021
Claire Greene, Brian C. Prescott and Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Washington University in St. Louis - Department of Economics and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 45 (892,989)

Abstract:

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consumer payment choice, person-to-person payments, electronic payments, mixed logit, machine learning, random matching

37.

College Education, Earning Inequality, and Market Power

Number of pages: 32 Posted: 25 Jan 2021 Last Revised: 11 Oct 2021
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 115 (512,867)

Abstract:

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College Education; Rising Earning Inequality; Increased Market Power; Reduced Competition

38.

Personality Traits and Financial Outcomes

FRB of Boston Working Paper No. 23-4
Number of pages: 31 Posted: 11 May 2023
Claire Greene, Oz Shy and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 112 (523,177)

Abstract:

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credit card debt, consumer payments, personality traits, financial behavior, unbanked

39.

History-Based versus Uniform Pricing in Growing and Declining Markets

Number of pages: 36 Posted: 24 Oct 2015 Last Revised: 06 Apr 2018
Oz Shy, Rune Stenbacka and David Zhang
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Hanken School of Economics and Rice University - Jesse H. Jones Graduate School of Business
Downloads 112 (523,177)

Abstract:

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Growing market, declining market, history-based pricing, uniform pricing, consumer lock-in

40.

Payments Evolution from Paper to Electronic Payments by Merchant Type

FRB of Boston Working Paper No. 22-6
Number of pages: 39 Posted: 18 May 2022
Ruth Cohen, Oz Shy and Joanna Stavins
Federal Reserve Bank of Boston, Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 109 (533,775)

Abstract:

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consumer payments, merchant category, cash, check, cards, electronic payments, COVID-19

41.

How are U.S. Consumers Using General Purpose Reloadable Prepaid Cards?: Are They Being Used as Substitutes for Checking Accounts?

Federal Reserve Bank of Boston Research Data Reports No. 15-3
Number of pages: 17 Posted: 19 Oct 2015
Claire Greene and Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 105 (548,827)
Citation 1

Abstract:

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prepaid cards, nonbank payment services, bank�like services, Survey of Consumer Payment Choice, Diary of Consumer Payment Choice

42.

How Many Cards Do You Use?

Number of pages: 33 Posted: 20 Jan 2014 Last Revised: 14 Jul 2014
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 102 (560,633)
Citation 8

Abstract:

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Payment card use, choice of payment cards, multi-homing, single-homing

43.

Dynamic Labor Market Competition and Wage Seniority

Number of pages: 31 Posted: 23 Jun 2017 Last Revised: 22 Aug 2018
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 100 (568,441)

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Wage Seniority Premium, Dynamic Wage Competition, Wage-Tenure Profiles, Job Switching, Labor Market Competition

44.

Should Credit Card Rewards Be Taxed?

Number of pages: 32 Posted: 18 Jan 2023 Last Revised: 30 May 2023
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 96 (583,913)

Abstract:

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taxing credit card rewards, merchant tax deductions, tax policy, payment choice, interchange fees.

45.

Why Do Card Issuers Charge Proportional Fees?

Federal Reserve Bank of Kansas City Working Paper No. 08-13
Number of pages: 20 Posted: 31 Jan 2009
Oz Shy and Zhu Wang
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Banks - Federal Reserve Bank of Richmond
Downloads 96 (583,913)
Citation 1

Abstract:

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Payment cards, proportional and fixed fees, two-sided market

46.

An OLG Model of Common Ownership: Effects on Consumption and Investments

Number of pages: 26 Posted: 26 Sep 2018 Last Revised: 22 Aug 2019
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 95 (587,880)
Citation 1

Abstract:

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Common ownership, institutional investors, real versus financial investments, market power, savings and investments, investment crowding-out, overlapping generations.

47.

A Welfare Evaluation of Tying Strategies

Number of pages: 34 Posted: 08 Oct 2015 Last Revised: 24 Jul 2016
Amit Gayer and Oz Shy
Western Galilee College and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 87 (620,992)

Abstract:

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Tying strategies, bundling, price discrimination, pure tying, mixed tying

48.

Merchant Steering of Consumer Payment Choice: Evidence from a 2012 Diary Survey

Number of pages: 33 Posted: 03 Dec 2014 Last Revised: 03 Jan 2015
Oz Shy and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 87 (620,992)
Citation 4

Abstract:

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Payment choice, social norms, merchant behavior, consumer behavior, discounting and surcharging

49.

Exclusion, Competition, and Regulation in the Retail Loan Market

Number of pages: 29 Posted: 06 Jan 2014 Last Revised: 07 Jul 2014
Arie Melnik and Oz Shy
University of Haifa - Department of Economics and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 87 (620,992)

Abstract:

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Credit quality, financial regulation, lending, exclusion of borrowers

50.

Efficient Organization of Production: Nested Versus Horizontal Outsourcing

Federal Reserve Bank of Boston Working Paper No. 09-9
Number of pages: 24 Posted: 19 Sep 2009
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 87 (620,992)
Citation 1

Abstract:

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outsourcing, subcontracting, nested outsourcing, horizontal outsourcing, efficient organization of outsourcing

51.

Who is Paying All These Fees? an Empirical Analysis of Bank Account and Credit Card Fees

FRB of Boston Working Paper No. 22-18
Number of pages: 27 Posted: 20 Dec 2022
Oz Shy and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 78 (662,100)

Abstract:

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payment choice, bank account fees, credit card fees, fees by demographics

52.

Costly Force Relocation in the Colonel Blotto Game

Number of pages: 17 Posted: 09 Jan 2019 Last Revised: 30 Mar 2020
Brian Roberson and Oz Shy
Purdue University and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 73 (687,002)
Citation 2

Abstract:

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Colonel Blotto game, switching cost, pure-strategy equilibrium

53.

A Bundling Argument for Narrow Banking

Number of pages: 33 Posted: 02 Jul 2016
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 73 (687,002)
Citation 4

Abstract:

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Narrow Banking, Deposit Insurance, Bank Crises

54.

Is Sales Tax Included in the Price? How Consumer Inattention Affects Prices

Downloads 66 (725,434)

Is Sales Tax Included in the Price? How Consumer Inattention Affects Prices

Number of pages: 20 Posted: 16 Apr 2024 Last Revised: 17 Apr 2025
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 41 (930,035)

Abstract:

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Price competition, price comparisons, sales tax, value added tax, mental accounting, inattention, consumer decisionmaking JEL Classification Numbers: D43, H29, L13, M3, fast- and slow computing consumers

Is Sales Tax Included in the Price? Consumer Inattention and Price Competition

FRB Atlanta Working Paper No. 2024-5
Number of pages: 25 Posted: 02 Dec 2024
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 25 (1,107,994)

Abstract:

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price competition, price comparisons, sales tax, value added tax, fast and slow-computing consumers, mental accounting, inattention, consumer decision making

55.

Whistleblowers and Financial Fraud

Number of pages: 21 Posted: 03 Feb 2025 Last Revised: 14 Feb 2025
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 54 (802,255)

Abstract:

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Whistleblowers, financial crimes, financial fraud, fraud loss recovery, optimal compensation to whistleblowers

56.

Why Do Banks Require Minimum Balance to Avoid a Fee?

Number of pages: 34 Posted: 17 Jan 2024
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 51 (824,283)

Abstract:

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minimum balance requirement, monthly account fee, common ownership, checking account pricing strategy

57.

Multimarket Lobbying with Reserves

Number of pages: 20 Posted: 28 Jan 2019 Last Revised: 14 Oct 2020
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 51 (824,283)

Abstract:

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Multimarket lobbying , reserves, fixed budget for lobbying, Colonel Blotto games, pure-strategy equilibria.

58.

How Merchants Get Paid

Number of pages: 27 Posted: 29 Jun 2020
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 49 (839,552)

Abstract:

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How merchants are paid, payment methods, payment instruments

59.

Defining Households that are Underserved in Digital Payment Services

FRB of Boston Working Paper No. 24-10
Number of pages: 45 Posted: 23 Sep 2024
Claire Greene, Fumiko Hayashi, Alicia Lloro, Oz Shy, Joanna Stavins and Ying Lei Toh
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Federal Reserve Bank of Kansas City, Board of Governors of the Federal Reserve System, Federal Reserve Banks - Federal Reserve Bank of Atlanta, Federal Reserve Bank of Boston and Federal Reserve Bank of Kansas City
Downloads 47 (855,761)

Abstract:

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digital payments, underserved, fintech, financial inclusion, nonbanks

60.

Lobbying and Liquidity Requirements: Large Versus Small Banks

Number of pages: 32 Posted: 09 Nov 2023 Last Revised: 29 Jul 2024
Oz Shy and Rune Stenbacka
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 45 (872,479)
Citation 1

Abstract:

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bank competition, bank lobbying, deposit rates, required liquid reserves, bank associations

61.

Taking ‘Some’ of the Mimicry Out of the Adoption Process: Quality Management and Strategic Substitution

ESMT Working Paper No. 16-05
Number of pages: 39 Posted: 30 Nov 2016
Joseph A. Clougherty, Michal Grajek and Oz Shy
University of Illinois at Urbana-Champaign, ESMT European School of Management and Technology and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 44 (881,030)

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adoption, quality management, standards, mimicry, contagion

62.

Alternating Offers: Bargaining Over the Right to Be the First to Make an Offer

Number of pages: 13 Posted: 06 Apr 2022 Last Revised: 06 Jun 2022
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 43 (889,743)

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Bargaining theory, alternating offers, first-mover advantage, pregames, fair divisions, consistent bargaining.

63.

Rising Tipping Rates, Expanding Variety of Tipped Services, and Social Norms

Number of pages: 27 Posted: 09 Apr 2024
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 42 (898,621)
Citation 1

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Rising tipping rates; variety and number of tipped services; scope and breadth of tipping; gratuity; social norms.

64.

Consistent Bargaining

Number of pages: 8 Posted: 07 Dec 2017
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 36 (955,423)
Citation 1

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Bargaining Theory, Alternating Offers, First-Mover Advantage

65.

Defining Households That Are Underserved in Digital Payment Services Defining Households That Are Underserved in Digital Payment Services

Federal Reserve Bank of Kansas City Working Paper No. RWP 24-09
Number of pages: 46 Posted: 23 Sep 2024
FRB of Kansas City Submitter, Claire Greene, Fumiko Hayashi, Alicia Lloro, Oz Shy, Joanna Stavins and Ying Lei Toh
Federal Reserve Bank of Kansas City, Federal Reserve Banks - Federal Reserve Bank of Atlanta, Federal Reserve Bank of Kansas City, Board of Governors of the Federal Reserve System, Federal Reserve Banks - Federal Reserve Bank of Atlanta, Federal Reserve Bank of Boston and Federal Reserve Bank of Kansas City
Downloads 30 (1,018,535)

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Digital payments inclusion, underserved, fintech, nonbanks

66.

Whistleblowers and Product Safety

Number of pages: 31 Posted: 06 Jan 2025
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 26 (1,064,654)

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Whistleblowers, product safety, cost-cutting production, damage compensation

67.

Market Dominance and Behaviour-Based Pricing Under Horizontal and Vertical Differentiation

CEPR Discussion Paper No. DP6571
Number of pages: 30 Posted: 06 Jun 2008
Thomas Gehrig, Oz Shy and Rune Stenbacka
University of Vienna, Federal Reserve Banks - Federal Reserve Bank of Atlanta and Hanken School of Economics
Downloads 25 (1,076,670)
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behavior-based pricing, consumer loyalty, horizontal and vertical differentiation, market dominance, poaching, price discrimination

68.

Heat versus Light: Fact-Checking the Debate over De-Risking

FRB Atlanta Policy Hub Paper No. 2021-08, https://doi.org/10.29338/ph2021-09
Number of pages: 20 Posted: 17 Mar 2025
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 11 (1,247,175)

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AML, counterterrorism financing, CFT, de-risking, Financial Action Task Force, FATF, anti-money laundering

69.

Payment Card Adoption and Payment Choice

FRB Atlanta Policy Hub Paper No. 2022-10, https://doi.org/10.29338/ph2022-10
Number of pages: 21 Posted: 24 Mar 2025
Claire Greene and Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 9 (1,266,785)

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payment choice; payment card adoption; payments inclusion; unbanked

70.

Do Firms Benefit From Tariff Wars?

Number of pages: 27 Posted: 14 Apr 2025
Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 8 (1,275,303)

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Reciprocal tariffs, tariff wars, free trade, international trade, international competition

71.

How US Consumers without Bank Accounts Make Payments

FRB Atlanta Policy Hub Paper No. 2023-01, https://doi.org/10.29338/ph2023-1
Number of pages: 22 Posted: 24 Mar 2025
Claire Greene and Oz Shy
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 6 (1,289,980)

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Unbanked consumers; payment choice; payment card adoption; payments inclusion

72.

Taking 'Some' of the Mimicry Out of the Adoption Process: Quality-Management and Strategic Substitution

CEPR Discussion Paper No. DP11661
Number of pages: 40 Posted: 29 Nov 2016
Joseph A. Clougherty, Michal Grajek and Oz Shy
University of Illinois at Urbana-Champaign, ESMT European School of Management and Technology and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 1 (1,316,238)
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adoption, contagion, mimicry, quality management, standards