Joanna Stavins
Joanna Stavins
Senior Economist and Policy Advisor

Research

email  Joanna.Stavins@bos.frb.org

617-973-4217

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Publications

Refereed journal articles

"Explaining Adoption and Use of Payment Instruments by U.S. Consumers." 2016. RAND Journal of Economics, Vol. 47, No. 2, Summer, pp. 293–325 [with Sergei Koulayev, Marc Rysman, and Scott Schuh].

"How Do Speed and Security Influence Consumers' Payment Behavior?" 2016. Contemporary Economic Policy, Vol. 34, No. 4, October, pp. 595–613 [with Scott Schuh].

"Merchant Steering of Consumer Payment Choice: Evidence from a 2012 Diary Survey." 2015. Journal of Behavioral and Experimental Economics, 55, pp. 1-9 [with Oz Shy].

"The Credit CARD Act of 2009: What Did Banks Do?" 2014. Journal of Banking & Finance, 46, pp. 21–30 [with Vikram Jambulapati].

"Merchant Steering of Consumer Payment Choice: Lessons Learned from Consumer Surveys." 2014. Survey Methods: Insights from the Field [with Oz Shy].

"How Consumers Pay: Adoption and Use of Payments." 2013. Accounting and Finance Research Vol. 2, No. 2, pp. 1-21 [with Scott Schuh].

"An Economic Analysis of the 2011 Settlement Between the Department of Justice and Credit Card Networks." 2012.  Journal of Competition Law and Economics, 8(1), pp. 107-144; doi: 10.1093/joclec/nhr020 [with Scott Schuh, Oz Shy and Robert Triest].

"Mobile Payments at the Retail Point of Sale in the United States: Prospects for Adoption." 2010. Review of Network Economics, 9(4) [with Marianne Crowe and Marc Rysman].

"Credit Card Debt and Payment Use." 2010. Financial Services Review, 19(1) (Spring), pp. 17-36 [with Charles Sprenger].

"Why Are (Some) Consumers (Finally) Writing Fewer Checks? The Role of Payment Characteristics." 2010. Journal of Banking and Finance 34 (August), pp. 1745-1758 [with Scott Schuh].

"Frontier policy issues in consumer payment behavior." 2009. Journal of Payments Strategy and Systems, Volume 3 No 4 [with Scott Schuh].

"Network Externalities and Technology Adoption: Lessons from Electronic Payments," RAND Journal of Economics, Vol. 35, No. 2, Summer 2004, pp. 260-276 [with Gautam Gowrisankaran].

"Price Discrimination in the Airline Market: The Effect of Market Concentration," The Review of Economics and Statistics, Vol. 83, No. 1, February 2001.

"The Effect of Pricing on Demand and Revenue in Federal Reserve ACH Payment Processing," Journal of Financial Services Research, Vol. 16, No. 1, September 1999, pp. 27-45 [with Paul Bauer], http://www.springerlink.com/content/w881248tul130k01/fulltext.pdf

"Estimating Demand Elasticities in a Differentiated Product Industry: The Personal Computer Market," Journal of Economics and Business, July/August 1997, Vol. 49, No. 4, pp. 347-367.

"Model Entry and Exit in a Differentiated Product Industry: The Personal Computer Market," The Review of Economics and Statistics, November 1995, Vol. 77, No. 4, pp. 571-584.

"Medicare Use in the Last Ninety Days of Life," Health Services Research, v.26, February 1992 [with Gary L. Gaumer].

Other journal articles

"How do consumers make their payment choices?" in "Transformacion digital en los medios de pago." 2016. Papeles de Economia Espanola, No. 149, pp. 42-57.

"Network Externalities in the Market for Electronic Check Payments," New England Economic Review, 2003.

"Perspective on Payments," Regional Review, Vol. 13, No. 1, Q1 2003.

"Who Uses Electronic Check Products: A Look at Depository Institutions," New England Economic Review, Number 3, 2002.

"While More People Are Paying Electronically, Many of Us Still Cling to Checks," Connecticut Business Times, April 2002.

"While More People Are Paying Electronically, Many of Us Still Cling to Checks," Regional Review, Q4 2001.

"Effect of Consumer Characteristics on the Use of Payment Instruments," New England Economic Review, Number 3, 2001.

"Has Widespread Use of Credit Cards Contributed to the Increase in Personal Bankruptcy?," Regional Review, Q1 2001.

"Credit Card Borrowing, Delinquency, and Personal Bankruptcy," New England Economic Review, July/August 2000.

"ATM Fees: Does Bank Size Matter?" New England Economic Review, January/February 2000, pp. 13-24.

"Checking Accounts: Fees and Features, Consumer Preferences, Impact on Bank Revenues," New England Banking Trends, Federal Reserve Bank of Boston, No. 22, Fall 1999.

"Checking Accounts: What Do Banks Offer and What Do Customers Value?" New England Economic Review, March/April 1999, pp. 3-13.

"Has Antitrust Policy in Banking Become Obsolete?," New England Economic Review, March/April 1998, pp. 13-26.

"A Comparison of Social Costs and Benefits of Paper Check Presentment and ECP with Truncation," New England Economic Review, July/August 1997, pp. 27-44.

"Can Demand Elasticities Explain Sticky Credit Card Rates?," New England Economic Review, July/August 1996, pp. 43-54.

"Firm Strategies in the Personal Computer Market: Are Established Brands Better Off?," New England Economic Review, November/December 1995, pp. 13-24.

Working papers and other unpublished papers

"Are There Social Spillovers in Consumers' Security Assessments of Payment Instruments?" 2016. Federal Reserve Bank of Boston Working Paper No. 16-19 [with Charles Kahn and José Liñares-Zegarra].

"The Effect of Demographics on Payment Behavior: Panel Data with Sample Selection." 2016. Federal Reserve Bank of Boston Working Paper No. 16-5.

"Payment Instrument Adoption and Use in the United States, 2009–2013, by Consumers' Demographic Characteristics." 2016. Federal Reserve Bank of Boston Research Data Report No. 15-6 [with Sean Connolly].

"The 2013 Survey of Consumer Payment Choice: Summary Results." 2015. Federal Reserve Bank of Boston Research Data Report No. 15-4 [with Scott Schuh].

"The 2011 and 2012 Surveys of Consumer Payment Choice." 2014. Federal Reserve Bank of Boston Research Data Report No. 14-1 [with Scott Schuh].

"Effects of Credit Scores on Consumer Payment Choice." 2012. Federal Reserve Bank of Boston Public Policy Discussion Paper No. 12-1 and Federal Reserve Bank of Kansas City Research Working Paper 12-03 [with Fumiko Hayashi].

"Potential Effects of an Increase in Debit Card Fees." 2011. Federal Reserve Bank of Boston Public Policy Brief No. 11-3.

"Who Gains and Who Loses from Credit Card Payments? Theory and Calibrations." 2010. Federal Reserve Bank of Boston Public Policy Discussion Paper No. 10-3 [with Scott Schuh and Oz Shy].

"Summary of the Workshop on Consumer Behavior and Payment Choice." 2008. Federal Reserve Bank of Boston Public Policy Discussion Paper No. 08-5 [with Scott Schuh].

"Consumer Behavior and Payment Choice: 2006 Conference Summary." 2007. Federal Reserve Bank of Boston Public Policy Discussion Papers Series, paper no. 07-4 [with Margaret Carten, Dan Littman, and Scott Schuh].

"Consumer Behavior and Payment Choice: A Conference Summary." 2006. Federal Reserve Bank of Boston Public Policy Discussion Paper Series, paper no. 06-1 [with Marianne Crowe and Scott Schuh].

"Do Bank Mergers Affect Federal Reserve Check Volume?" 2004. Federal Reserve Bank of Boston Public Policy Discussion Paper No. 04-7.

"Network Externalities and Technology Adoption: Lessons from Electronic Payments," NBER Working Paper No. 8943, 2002 [with Gautam Gowrisankaran].