Joanna Stavins

Federal Reserve Bank of Boston

Senior Economist and Policy Advisor

600 Atlantic Avenue

Boston, MA 02210

United States

SCHOLARLY PAPERS

42

DOWNLOADS
Rank 11,543

SSRN RANKINGS

Top 11,543

in Total Papers Downloads

6,489

SSRN CITATIONS
Rank 3,996

SSRN RANKINGS

Top 3,996

in Total Papers Citations

150

CROSSREF CITATIONS

185

Scholarly Papers (42)

1.

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 745 (52,014)
Citation 2

Abstract:

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consumer surveys, payment behavior, consumer payments

2.

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 628 (65,062)
Citation 7

Abstract:

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payments, credit card, debit card, consumer credit

3.

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 521 (82,282)
Citation 1

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4.

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 482 (90,496)
Citation 16

Abstract:

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5.

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
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 389 (116,149)
Citation 6

Abstract:

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6.

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 340 (134,987)
Citation 19

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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
Columbia University and Federal Reserve Bank of Boston
Downloads 207 (221,658)

Abstract:

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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: 10 Dec 2022
Gautam Gowrisankaran and Joanna Stavins
Columbia University and Federal Reserve Bank of Boston
Downloads 42 (630,282)
Citation 11

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8.

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 242 (191,519)
Citation 18

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

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 171 (262,853)

Abstract:

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10.

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 170 (264,233)
Citation 3

Abstract:

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credit scores, debit cards, payment behavior

Faster Payments: Market Structure and Policy Considerations

FEDS Working Paper No. 2017-100
Number of pages: 41 Posted: 29 Sep 2017
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 60 (536,965)

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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
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 56 (555,529)

Abstract:

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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
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 50 (585,496)

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

12.

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 163 (273,882)

Abstract:

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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 142 (306,498)
Citation 1

Abstract:

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

14.

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 122 (343,862)

Abstract:

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15.

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
Consumer Financial Protection Bureau, Boston University - Department of Economics, Federal Reserve Bank of Boston - Research Department and Federal Reserve Bank of Boston
Downloads 119 (350,092)
Citation 33

Abstract:

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16.

Has Covid Changed Consumer Payment Behavior?

FRB of Boston Working Paper No. 21-12
Number of pages: 46 Posted: 27 Dec 2021
Claire Greene, Ellen A Merry and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta, Board of Governors of the Federal Reserve System and Federal Reserve Bank of Boston
Downloads 116 (356,540)

Abstract:

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consumer payments, consumer surveys, payment behavior, COVID-19

17.

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 113 (363,196)
Citation 14

Abstract:

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18.

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 111 (367,809)
Citation 4

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19.

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 105 (382,145)
Citation 19

Abstract:

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20.

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 102 (389,866)
Citation 1

Abstract:

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

21.

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 102 (389,866)
Citation 18

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22.

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 96 (405,662)
Citation 2

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23.

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 92 (417,105)
Citation 1

Abstract:

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bank mergers, Federal Reserve check processing

24.

Consumer Payment Choice for Bill Payments

FRB of Boston Working Paper No. 20-9
Number of pages: 37 Posted: 19 Oct 2020
Claire Greene and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 91 (419,959)

Abstract:

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bill payments, payment choice, payment preferences, consumer payments

25.

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 90 (422,989)
Citation 3

Abstract:

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

26.

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 89 (425,925)
Citation 8

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27.

Payments Evolution from Paper to Electronic: Bill Payments and Purchases

FRB of Boston Working Paper No. 21-5
Number of pages: 34 Posted: 20 May 2021
Joanna Stavins
Federal Reserve Bank of Boston
Downloads 82 (447,291)

Abstract:

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consumer payments, check, cards, electronic payments

28.

Distributional Effects of Payment Card Pricing and Merchant Cost Pass-Through in the United States and Canada

FRB of Boston Working Paper No. 20-13
Number of pages: 66 Posted: 23 Dec 2020
Government of Canada - Bank of Canada, Federal Reserve Bank of Kansas City, Federal Reserve Bank of Boston and Government of Canada - Bank of Canada
Downloads 81 (450,455)

Abstract:

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regressive effects, rewards, credit cards, interchange fees, pass-through entities

29.

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 77 (463,776)
Citation 1

Abstract:

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credit card debt, consumer payments, consumer preferences

30.

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 71 (485,281)
Citation 9

Abstract:

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

31.

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 58 (537,337)
Citation 1

Abstract:

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

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 30 (710,795)

Abstract:

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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 24 (759,738)

Abstract:

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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 4 (960,585)
Citation 6

Abstract:

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33.

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 51 (569,601)
Citation 3

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

34.

Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in the United States and Canada

Federal Reserve Bank of Kansas City Working Paper No. 20-18
Number of pages: 67 Posted: 01 Mar 2021
Government of Canada - Bank of Canada, Federal Reserve Bank of Kansas City, Federal Reserve Bank of Boston and Government of Canada - Bank of Canada
Downloads 42 (616,448)

Abstract:

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Regressive effects, rewards, credit cards, interchange fees, pass-through

35.

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 Banks - Federal Reserve Bank of Boston, Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 40 (627,782)

Abstract:

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

Credit Card Debt Puzzle: Liquid Assets to Pay Bills

FRB of Boston Working Paper No. 22-8
Number of pages: 38 Posted: 10 Aug 2022
Claire Greene and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 21 (786,302)

Abstract:

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credit card debt, consumer payments, liquid assets, COVID-19

Credit Card Debt Puzzle: Liquid Assets to Pay Bills

FRB Atlanta Working Paper No. 2022-9, https://doi.org/10.29338/wp2022-09
Number of pages: 38 Posted: 16 Nov 2022
Claire Greene and Joanna Stavins
Federal Reserve Banks - Federal Reserve Bank of Atlanta and Federal Reserve Bank of Boston
Downloads 16 (832,943)

Abstract:

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credit card debt, liquid assets, consumer payments

37.

Does Getting a Mortgage Affect Credit Card Use?

FRB of Boston Working Paper No. 19-8
Number of pages: 45 Posted: 22 Oct 2019 Last Revised: 24 Oct 2019
Scott Fulford and Joanna Stavins
Consumer Financial Protection Bureau and Federal Reserve Bank of Boston
Downloads 31 (683,892)

Abstract:

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credit cards, mortgage, credit card utilization, debt

38.

How Does Liquidity Affect Consumer Payment Choice?

FRB of Boston Working Paper No. 19-7
Number of pages: 46 Posted: 22 Oct 2019 Last Revised: 01 Nov 2019
Joanna Stavins
Federal Reserve Bank of Boston
Downloads 30 (690,916)

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emergency savings, credit card debt, unexpected expenses

39.

The 2012 Diary of Consumer Payment Choice

Research Data Reports Paper No. 18-1
Number of pages: 59 Posted: 04 Mar 2018 Last Revised: 04 Mar 2022
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 29 (698,132)

Abstract:

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

40.

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
University of Illinois, Urbana-Champaign, University of Essex - Essex Business School and Federal Reserve Bank of Boston
Downloads 25 (728,036)
Citation 3

Abstract:

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41.

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 18 (786,143)

Abstract:

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

42.

Regressive Effects of Payment Card Pricing and Merchant Cost Pass-Through in the United States and Canada

Number of pages: 43 Posted: 29 Jan 2023
Federal Reserve Bank of Boston, Government of Canada - Bank of Canada, Federal Reserve Bank of Kansas City and affiliation not provided to SSRN
Downloads 3 (935,164)

Abstract:

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D12, D31, G21, L81