Joanna Stavins

Federal Reserve Bank of Boston

Senior Economist and Policy Advisor

600 Atlantic Avenue

Boston, MA 02210

United States

  • Federal Reserve Bank of Boston

    • Email
    • Tel: 617-973-4217
    • Fax: 617-973-4218
SCHOLARLY PAPERS

32

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83

CROSSREF CITATIONS

184

Scholarly Papers (32)

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1.

Credit Card Debt and Payment Use

FRB of Boston Working Paper No. 08-2
Number of pages: 29 Posted: 01 Jun 2008
Charles Sprenger and Joanna Stavins
University of California, San Diego (UCSD) and Federal Reserve Bank of Boston
Downloads 470 (64,680)
Citation 6

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payments, credit card, debit card, consumer credit

2.

Consumer Behavior and Payment Choice: 2006 Conference Summary

FRB of Boston Public Policy Discussion Paper No. 07-4
Number of pages: 61 Posted: 23 Jul 2007
Margaret Carten, Daniel Littman, Scott D. Schuh and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Boston, Federal Reserve Bank of Cleveland, Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 365 (87,245)
Citation 6

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3.

Mobile Payments in the United States at Retail Point of Sale: Current Market and Future Prospects

FRB of Boston Public Policy Discussion Paper No. 10-2
Number of pages: 39 Posted: 26 May 2010
Marianne D. Crowe, Marc Rysman and Joanna Stavins
Federal Reserve Bank of Boston, Boston University - Department of Economics and Federal Reserve Bank of Boston
Downloads 338 (95,223)
Citation 10

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4.

Consumer Behavior and Payment Choice: a Conference Summary

FRB of Boston Public Policy Discussion Paper No. 06-1
Number of pages: 27 Posted: 19 Jul 2006
Marianne D. Crowe, Scott D. Schuh and Joanna Stavins
Federal Reserve Bank of Boston, Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 278 (117,703)

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5.

Network Externalities and Technology Adoption: Lessons from Electronic Payments

Downloads 212 (154,283)
Citation 54

Network Externalities and Technology Adoption: Lessons from Electronic Payments

FRB of San Francisco Working Paper No. 2002-16
Number of pages: 41 Posted: 03 May 2005
Gautam Gowrisankaran and Joanna Stavins
University of Arizona - Eller College of Management and Federal Reserve Bank of Boston
Downloads 179 (180,186)

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Electronic funds transfers

Network Externalities and Technology Adoption: Lessons from Electronic Payments

NBER Working Paper No. w8943
Number of pages: 42 Posted: 17 May 2002 Last Revised: 05 Oct 2014
Gautam Gowrisankaran and Joanna Stavins
University of Arizona - Eller College of Management and Federal Reserve Bank of Boston
Downloads 33 (495,968)
Citation 6

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6.

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 208 (157,072)
Citation 15

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

7.

How Do Consumers Make Their Payment Choices?

Research Data Reports Paper No. 17-1
Number of pages: 37 Posted: 04 Jul 2017
Joanna Stavins
Federal Reserve Bank of Boston
Downloads 165 (193,339)

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consumer payments, consumer surveys, payment behavior

8.

How Consumers Pay: Adoption and Use of Payments

FRB of Boston Working Paper No. 12-2
Number of pages: 35 Posted: 14 Feb 2015
Scott D. Schuh and Joanna Stavins
Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 158 (200,682)
Citation 18

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9.

Summary of the Workshop on Consumer Behavior and Payment Choice

FRB of Boston Public Policy Discussion Paper No. 08-5
Number of pages: 16 Posted: 03 Dec 2008
Scott D. Schuh and Joanna Stavins
Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 158 (200,682)

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10.

The Effect of Pricing on Demand and Revenue in Federal Reserve Ach Payment Processing

Working Paper No. 97-6
Number of pages: 40 Posted: 03 May 1998
Joanna Stavins and Paul W. Bauer
Federal Reserve Bank of Boston and Federal Reserve Banks - Federal Reserve Bank of Cleveland
Downloads 104 (276,176)
Citation 3

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11.

Faster Payments: Market Structure and Policy Considerations

Downloads 100 (283,668)

Faster Payments: Market Structure and Policy Considerations

FEDS Working Paper No. 2017-100
Number of pages: 41 Posted: 29 Sep 2017
Aaron Rosenbaum, Garth Baughman, Mark D. Manuszak, Kylie Stewart, Fumiko Hayashi and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Federal Reserve Bank of Kansas City and Federal Reserve Bank of Boston
Downloads 46 (437,233)

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Faster payments, Market structure and competition, Payment system improvement, Public policy, Retail payments

Faster Payments: Market Structure and Policy Considerations

Federal Reserve Bank of Kansas City Working Paper No. RWP 17-14
Number of pages: 41 Posted: 04 Dec 2017
Aaron Rosenbaum, Garth Baughman, Mark D. Manuszak, Kylie Stewart, Fumiko Hayashi and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Federal Reserve Bank of Kansas City and Federal Reserve Bank of Boston
Downloads 29 (517,848)

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faster payments, market structure, dominant-operator environment, multi-operator

Faster Payments: Market Structure and Policy Considerations

Federal Reserve Bank of Boston Research Paper Series Current Policy Perspectives Paper No. 17-4
Number of pages: 40 Posted: 09 Nov 2017
Aaron Rosenbaum, Garth Baughman, Mark D. Manuszak, Kylie Stewart, Fumiko Hayashi and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, Federal Reserve Bank of Kansas City and Federal Reserve Bank of Boston
Downloads 25 (542,397)

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faster payments, market structure, competition, payment system improvement, public policy, retail payments

12.

Effects of Credit Scores on Consumer Payment Choice

Federal Reserve Bank of Kansas City Working Paper No. 12-03
Number of pages: 48 Posted: 19 Apr 2012
Fumiko Hayashi and Joanna Stavins
Federal Reserve Bank of Kansas City and Federal Reserve Bank of Boston
Downloads 92 (299,320)
Citation 3

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credit scores, debit cards, payment behavior

13.

The 2014 Survey of Consumer Payment Choice: Summary Results

Research Data Reports Paper No. 16-3
Number of pages: 136 Posted: 06 Oct 2016
Claire Greene, Scott D. Schuh and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 90 (303,371)
Citation 1

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cash, checks, checking accounts, debit cards, credit cards, prepaid cards, electronic payments, payment preferences, unbanked, Survey of Consumer Payment Choice

14.

The 2011 and 2012 Surveys of Consumer Payment Choice

Federal Reserve Bank of Boston Research Paper Series Research Data Reports No. 14-1
Number of pages: 129 Posted: 14 Feb 2015
Scott D. Schuh and Joanna Stavins
Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 90 (303,371)
Citation 14

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15.

Why are (Some) Consumers (Finally) Writing Fewer Checks?: The Role of Payment Characteristics

FRB of Boston Working Paper No. 09-1
Number of pages: 58 Posted: 06 Mar 2009 Last Revised: 17 Dec 2009
Scott D. Schuh and Joanna Stavins
Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 90 (303,371)
Citation 14

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16.

Do Bank Mergers Affect Federal Reserve Check Volume?

FRB of Boston Public Policy Discussion Paper No. 04-7
Number of pages: 20 Posted: 04 Mar 2006
Joanna Stavins
Federal Reserve Bank of Boston
Downloads 86 (312,108)
Citation 1

Abstract:

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bank mergers, Federal Reserve check processing

17.

The Effect of Demographics on Payment Behavior: Panel Data with Sample Selection

FRB of Boston Working Paper No. 16-5
Number of pages: 39 Posted: 28 Jun 2016
Joanna Stavins
Federal Reserve Bank of Boston
Downloads 84 (316,741)

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18.

The Credit CARD Act of 2009: What Did Banks Do?

FRB of Boston Public Policy Discussion Paper No. 13-7
Number of pages: 29 Posted: 24 Oct 2013
Vikram Jambulapati and Joanna Stavins
Massachusetts Institute of Technology (MIT) - Sloan School of Management and Federal Reserve Bank of Boston
Downloads 84 (316,741)
Citation 14

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19.

Credit Card Debt and Payment Use

Networks Financial Institute: Working Paper Series: 2012-WP-06
Number of pages: 30 Posted: 21 Jun 2012
Charles Sprenger and Joanna Stavins
Stanford University - Department of Economics and Federal Reserve Bank of Boston
Downloads 84 (316,741)
Citation 2

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20.

Explaining Adoption and Use of Payment Instruments by U.S. Consumers

FRB of Boston Working Paper No. 12-14
Number of pages: 40 Posted: 14 Feb 2015
Sergei Koulayev, Marc Rysman, Scott D. Schuh and Joanna Stavins
Consumer Financial Protection Bureau, Boston University - Department of Economics, Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 72 (346,399)
Citation 24

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21.

Did the Target Data Breach Change Consumer Assessments of Payment Card Security?

Research Data Reports Paper No. 16-1
Number of pages: 35 Posted: 04 Aug 2016
Claire Greene and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 66 (363,035)
Citation 1

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data breach, payment card security, Survey of Consumer Payment Choice, Target, debit card, credit card

22.

Payment Instrument Adoption and Use in the United States, 2009-2013, by Consumers' Demographic Characteristics

Research Data Reports Paper No. 15-6
Number of pages: 51 Posted: 01 Jan 2016
Sean Connolly and Joanna Stavins
Boston University and Federal Reserve Bank of Boston
Downloads 66 (363,035)

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23.

The 2013 Survey of Consumer Payment Choice: Summary Results

Federal Reserve Bank of Boston Research Data Reports No. 15-4
Number of pages: 128 Posted: 18 Oct 2015
Scott D. Schuh and Joanna Stavins
Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 65 (365,913)
Citation 6

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24.

The 2016 and 2017 Surveys of Consumer Payment Choice: Summary Results

Research Data Reports Paper No. 18-3
Number of pages: 48 Posted: 28 Jun 2018 Last Revised: 21 Feb 2019
Joanna Stavins and Claire Greene
Federal Reserve Bank of Boston and Federal Reserve Banks - Federal Reserve Bank of Atlanta
Downloads 53 (404,011)
Citation 2

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cash, checks, checking accounts, debit cards, credit cards, prepaid cards, electronic payments, payment preferences, unbanked, Survey of Consumer Payment Choice

25.

Credit Card Debt and Consumer Payment Choice: What Can We Learn from Credit Bureau Data?

FRB of Boston Working Paper No. 18-7
Number of pages: 36 Posted: 09 Nov 2018 Last Revised: 21 Feb 2019
Joanna Stavins
Federal Reserve Bank of Boston
Downloads 48 (421,737)

Abstract:

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credit card debt, consumer payments, consumer preferences

26.

Payment Discounts and Surcharges: The Role of Consumer Preferences

FRB of Boston Working Paper No. 17-4
Number of pages: 38 Posted: 04 Jul 2017
Joanna Stavins and Huijia Wu
Federal Reserve Bank of Boston and Harvard University - Department of Economics
Downloads 44 (436,873)
Citation 2

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consumer payments, consumer preferences, merchant steering, discounts, surcharges

27.

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 32 (488,846)
Citation 2

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

28.

The 2015 Survey of Consumer Payment Choice: Summary Results

Research Data Reports Paper No. 17-3
Number of pages: 107 Posted: 02 Oct 2017
Claire Greene, Scott D. Schuh and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 28 (509,538)
Citation 1

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cash, checks, checking accounts, debit cards, credit cards, prepaid cards, electronic payments, payment preferences, unbanked, Survey of Consumer Payment Choice

29.

How Do Speed and Security Influence Consumers' Payment Behavior?

Downloads 28 (509,538)
Citation 9

How Do Speed and Security Influence Consumers' Payment Behavior?

Federal Reserve Bank of Boston Research Paper Series Current Policy Perspectives Paper No. 15-1
Number of pages: 33 Posted: 19 Oct 2015
Scott D. Schuh and Joanna Stavins
Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 15 (610,964)

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How Do Speed and Security Influence Consumers' Payment Behavior?

FRB of Boston Public Policy Discussion Paper No. 15-1
Number of pages: 33 Posted: 18 Oct 2015
Scott D. Schuh and Joanna Stavins
Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 13 (625,587)

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How Do Speed and Security Influence Consumers' Payment Behavior?

Contemporary Economic Policy, Vol. 34, Issue 4, pp. 595-613, 2016
Number of pages: 19 Posted: 31 Aug 2016
Scott D. Schuh and Joanna Stavins
Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 0
Citation 2
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30.

Are There Social Spillovers in Consumers’ Security Assessments of Payment Instruments?

FRB of Boston Working Paper No. 16-19
Number of pages: 44 Posted: 14 Dec 2016
Charles M. Kahn, José Manuel Liñares-Zegarra and Joanna Stavins
University of Illinois, Urbana-Champaign, University of Essex - Essex Business School and Federal Reserve Bank of Boston
Downloads 14 (595,233)
Citation 1

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31.

Does Getting a Mortgage Affect Credit Card Use?

FRB of Boston Working Paper No. 19-8
Number of pages: 45 Posted: 22 Oct 2019
Scott Fulford and Joanna Stavins
Consumer Financial Protection Bureau and Federal Reserve Bank of Boston
Downloads 9 (629,007)

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credit cards, mortgage, credit card utilization, debt

32.

How Does Liquidity Affect Consumer Payment Choice?

FRB of Boston Working Paper No. 19-7
Number of pages: 46 Posted: 22 Oct 2019
Joanna Stavins
Federal Reserve Bank of Boston
Downloads 4 (663,831)

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emergency savings, credit card debt, unexpected expenses