Joanna Stavins

Federal Reserve Bank of Boston

Senior Economist and Policy Advisor

600 Atlantic Avenue

Boston, MA 02210

United States

SCHOLARLY PAPERS

44

DOWNLOADS
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SSRN RANKINGS

Top 10,482

in Total Papers Downloads

8,383

SSRN CITATIONS
Rank 3,985

SSRN RANKINGS

Top 3,985

in Total Papers Citations

267

CROSSREF CITATIONS

178

Scholarly Papers (44)

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 1,075 (38,205)
Citation 6

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 702 (68,329)
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 606 (82,344)
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 541 (95,050)
Citation 16

Abstract:

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5.

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 431 (124,922)
Citation 19

Abstract:

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6.

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 411 (132,059)
Citation 6

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7.

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 280 (199,968)
Citation 18

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

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 219 (253,551)

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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 50 (719,906)
Citation 11

Abstract:

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9.

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 229 (243,881)
Citation 5

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 229 (243,881)
Citation 3

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credit scores, debit cards, payment behavior

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 83 (548,588)

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

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 68 (616,722)

Abstract:

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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 60 (659,246)

Abstract:

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

12.

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 210 (264,554)

Abstract:

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

13.

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 183 (299,604)

Abstract:

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14.

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 175 (311,688)

Abstract:

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bill payments, payment choice, payment preferences, consumer payments

15.

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 167 (324,659)
Citation 5

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

16.

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 154 (347,621)

Abstract:

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17.

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 144 (367,205)
Citation 1

Abstract:

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consumer payments, check, cards, electronic payments

18.

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 136 (383,856)
Citation 33

Abstract:

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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 132 (392,952)
Citation 19

Abstract:

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20.

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 131 (395,326)
Citation 24

Abstract:

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21.

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 124 (412,381)
Citation 14

Abstract:

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22.

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 Bank of Cleveland
Downloads 122 (417,349)
Citation 4

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23.

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 114 (438,980)
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

24.

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 113 (441,872)
Citation 8

Abstract:

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25.

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 112 (444,761)

Abstract:

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

26.

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 112 (444,761)
Citation 2

Abstract:

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

27.

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 108 (456,943)
Citation 2

Abstract:

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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 106 (463,040)
Citation 1

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 105 (466,125)
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 98 (488,891)
Citation 11

Abstract:

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

31.

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 97 (492,255)
Citation 1

Abstract:

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bank mergers, Federal Reserve check processing

32.
Downloads 95 (502,277)
Citation 1

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 55 (688,338)

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
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 40 (798,658)

Abstract:

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credit card debt, liquid assets, consumer payments

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 42 (775,800)

Abstract:

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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 40 (791,079)

Abstract:

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34.

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 78 (562,797)
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

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 76 (571,333)

Abstract:

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

36.

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 68 (607,239)
Citation 4

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

37.

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 55 (680,359)

Abstract:

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

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 53 (686,128)

Abstract:

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

39.

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 48 (716,766)

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emergency savings, credit card debt, unexpected expenses

40.

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 45 (736,075)

Abstract:

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credit cards, mortgage, credit card utilization, debt

41.

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 44 (742,816)

Abstract:

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D12, D31, G21, L81

42.

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 42 (756,589)

Abstract:

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

43.

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 37 (792,688)
Citation 3

Abstract:

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44.

Credit Card Spending and Borrowing Since the Start of the COVID-19 Pandemic

Federal Reserve Bank of Boston Research Paper Series Current Policy Perspectives Paper No. 97187
Number of pages: 15 Posted: 23 Oct 2023
Joanna Stavins
Federal Reserve Bank of Boston
Downloads 33 (823,799)

Abstract:

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credit card utilization, delinquencies, COVID-19