Julia S. Cheney

Federal Reserve Bank of Philadelphia

Ten Independence Mall

Philadelphia, PA 19106-1574

United States

SCHOLARLY PAPERS

15

DOWNLOADS
Rank 15,712

SSRN RANKINGS

Top 15,712

in Total Papers Downloads

4,102

SSRN CITATIONS
Rank 39,715

SSRN RANKINGS

Top 39,715

in Total Papers Citations

9

CROSSREF CITATIONS

10

Scholarly Papers (15)

1.

An Examination of Mobile Banking and Mobile Payments: Building Adoption as Experience Goods?

Number of pages: 29 Posted: 15 Sep 2008
Julia S. Cheney
Federal Reserve Bank of Philadelphia
Downloads 1,346 (18,732)
Citation 3

Abstract:

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Mobile Banking, Mobile Payments

2.

Heartland Payment Systems: Lessons Learned from a Data Breach

Number of pages: 20 Posted: 23 Jan 2010
Julia S. Cheney
Federal Reserve Bank of Philadelphia
Downloads 726 (45,097)
Citation 9

Abstract:

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3.

Identity Theft: Do Definitions Still Matter?

FRB of Philadelphia Payment Cards Center Discussion Paper
Number of pages: 22 Posted: 13 Oct 2005
Julia S. Cheney
Federal Reserve Bank of Philadelphia
Downloads 372 (102,928)
Citation 5

Abstract:

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Identity, Identity theft, Payment card fraud, Credit cards, Debit cards

4.

Prepaid Card Models: A Study in Diversity

Number of pages: 16 Posted: 11 Nov 2006
Julia S. Cheney
Federal Reserve Bank of Philadelphia
Downloads 321 (121,156)

Abstract:

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Payment systems

The Efficiency and Integrity of Payment Card Systems: Industry Views on the Risks Posed by Data Breaches

Economic Perspectives, Vol. 36, No. 4, 2012
Number of pages: 17 Posted: 28 Jan 2014
Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Chicago, Federal Reserve Bank of Chicago and Consultant on Money, Banking, and Payments
Downloads 182 (210,984)

Abstract:

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payment card fraud, data breaches, credit cards, debit cards

The Efficiency and Integrity of Payment Card Systems: Industry Views on the Risks Posed by Data Breaches

Number of pages: 35 Posted: 16 Oct 2012
Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Chicago, Federal Reserve Bank of Chicago and Consultant on Money, Banking, and Payments
Downloads 102 (332,163)
Citation 5

Abstract:

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payment card fraud, data breaches, credit cards, debit cards

6.

Identity Theft: a Pernicious and Costly Fraud

Number of pages: 22 Posted: 19 Sep 2006
Julia S. Cheney
Federal Reserve Bank of Philadelphia
Downloads 280 (139,935)
Citation 1

Abstract:

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Identity theft

7.

Alternative Data and its Use in Credit Scoring Thin- and No-File Consumers

Number of pages: 18 Posted: 17 Jul 2008 Last Revised: 14 Sep 2008
Julia S. Cheney
Federal Reserve Bank of Philadelphia
Downloads 232 (168,737)
Citation 2

Abstract:

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8.

An Update on Trends in the Debit Card Market

Number of pages: 12 Posted: 02 Nov 2007
Julia S. Cheney
Federal Reserve Bank of Philadelphia
Downloads 160 (235,492)

Abstract:

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Debit cards

9.

How Effective Were the Financial Safety Nets in the Aftermath of Katrina?

FRB of Philadelphia Payment Cards Center Discussion Paper No. 06-01
Number of pages: 21 Posted: 03 Mar 2006
Julia S. Cheney and Sherrie L.W. Rhine
Federal Reserve Bank of Philadelphia and Federal Deposit Insurance Corporation
Downloads 123 (289,614)
Citation 2

Abstract:

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Hurricane Katrina, Financial crises, Unbanked

10.

Financial Consequences of Identity Theft: Evidence from Consumer Credit Bureau Records

Number of pages: 46 Posted: 14 Jan 2019 Last Revised: 29 Apr 2020
Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 96 (343,046)

Abstract:

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identity theft, fraud alert, Risk Score, consumer protection, credit report

11.
Downloads 81 (380,996)

Identity Theft as a Teachable Moment

Number of pages: 49 Posted: 27 Oct 2016
Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 81 (384,744)

Abstract:

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inattention, salience, identity theft, extended fraud alert, risk score, consumer protection, credit report, Fair and Accurate Credit Transactions Act (FACTA)

Identity Theft as a Teachable Moment

Posted: 24 Sep 2014
Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia

Abstract:

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Inattention, Identity theft, Fraud alert, Consumer protection, Credit report, Fair and Accurate Credit Transactions Act (FACTA), Propensity score matching

12.

Consumer Use of Fraud Alerts and Credit Freezes: An Empirical Analysis

Number of pages: 40 Posted: 24 Sep 2014
Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 54 (469,947)
Citation 1

Abstract:

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Data breach, identity theft, fraud alert, credit freeze, credit report, Fair and Accurate Credit Transactions Act (FACTA)

13.

Financial Consequences of Identity Theft

Number of pages: 60 Posted: 14 May 2021
Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 25 (615,699)

Abstract:

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14.

Financial Consequences of Severe Identity Theft in the U.S

Number of pages: 59 Posted: 03 Dec 2021
Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Consumer Finance Institute, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and Federal Reserve Banks - Federal Reserve Bank of Philadelphia
Downloads 2 (790,682)

Abstract:

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identity theft, fraud alert, consumer credit, credit performance, limited attention, inattention

15.

Supply- and Demand-Side Developments Influencing Growth in the Debit Market

Posted: 18 Apr 2007 Last Revised: 14 Sep 2008
Julia S. Cheney
Federal Reserve Bank of Philadelphia

Abstract:

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Debit cards, Consumer behavior