Access Statistics for Joanna Stavins

Author contact details at EconPapers.

Working Paper File Downloads Abstract Views
Last month 3 months 12 months Total Last month 3 months 12 months Total
2018 Diary of Consumer Payment Choice 1 1 1 13 3 4 14 50
2018 Survey of Consumer Payment Choice 0 0 0 47 1 4 27 209
2020 Diary of Consumer Payment Choice 0 1 1 1 6 15 21 21
2020 Survey of Consumer Payment Choice 0 2 2 2 7 13 22 22
2021 Survey and Diary of Consumer Payment Choice 0 1 3 3 9 21 43 43
2022 Survey and Diary of Consumer Payment Choice 0 0 0 0 10 16 24 24
2023 Survey and Diary of Consumer Payment Choice 0 3 7 8 23 46 88 90
An economic analysis of the 2010 proposed settlement between the Department of Justice and credit card networks 0 0 0 66 4 7 10 242
Are Recently Issued Credit Card Accounts More Risky? 0 0 4 4 1 6 21 22
Are there network externalities in electronic payments? 0 0 0 0 2 3 10 51
Are there social spillovers in consumers’ security assessments of payment instruments? 0 0 0 11 1 4 11 67
Buy Now, Pay Later: Who Uses It and Why 0 0 4 11 5 8 26 40
Consumer Payment Behavior by Income and Demographics 1 1 1 11 3 5 21 36
Consumer Payment Behavior by Income and Demographics 0 0 1 1 1 8 18 18
Consumer Payment Choice for Bill Payments 0 0 2 3 6 11 25 26
Consumer Payment Choice for Bill Payments 0 0 4 20 4 11 29 98
Consumer behavior and payment choice: 2006 conference summary 0 0 1 86 3 4 12 277
Consumer behavior and payment choice: a conference summary 0 0 0 139 2 4 13 512
Credit Card Debt Puzzle: Liquid Assets to Pay Bills 0 0 0 3 3 6 13 27
Credit Card Debt Puzzle: Liquid Assets to Pay Bills 0 0 0 5 5 10 20 55
Credit Card Debt and Payment Use 0 0 0 13 1 2 18 132
Credit Card Delinquencies: Are New England Consumers Better Off? 0 0 0 3 0 3 12 14
Credit Card Spending and Borrowing since the Start of the COVID-19 Pandemic 0 0 1 10 4 6 20 21
Credit card debt and consumer payment choice: what can we learn from credit bureau data? 0 0 0 38 2 7 22 113
Credit card debt and payment use 0 0 1 188 2 6 22 1,071
Defining Households That Are Underserved in Digital Payment Services 0 0 0 1 2 2 18 19
Defining Households That Are Underserved in Digital Payment Services 0 0 2 2 0 2 10 12
Defining Households That Are Underserved in Digital Payment Services 0 0 0 12 1 1 10 21
Delivering Benefits of Faster Payments to the Underserved 0 0 1 24 2 2 8 60
Did the Target Data Breach Change Consumer Assessments of Payment Card Security? 0 0 0 0 1 2 7 7
Did the Target data breach change consumer assessments of payment card security? 0 0 0 71 2 2 13 147
Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in Canada and the United States 0 0 0 26 4 5 17 81
Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in the United States and Canada 0 0 0 9 4 5 13 33
Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in the United States and Canada 0 0 0 25 6 7 15 56
Do bank mergers affect Federal Reserve check volume? 0 0 0 131 1 2 9 770
Does getting a mortgage affect credit card use? 0 0 0 38 1 2 10 58
Effects of credit scores on consumer payment choice 0 0 0 46 3 4 18 174
Effects of credit scores on consumer payment choice 0 0 1 33 2 3 19 148
Estimating demand elasticities in a differentiated product industry: the personal computer market 0 0 0 327 3 5 13 3,074
Explaining adoption and use of payment instruments by U. S. consumers 0 0 1 54 4 6 17 240
Explaining adoption and use of payment instruments by U.S. consumers 0 0 1 45 1 1 18 93
Faster Payments: Market Structure and Policy Considerations 0 0 0 80 2 4 11 93
Faster Payments: Market Structure and Policy Considerations 0 0 0 14 2 3 9 52
Faster payments: market structure and policy considerations 0 0 0 25 0 1 9 66
Has COVID Changed Consumer Payment Behavior? 0 0 0 0 11 13 24 24
Has COVID Changed Consumer Payment Behavior? 0 0 0 22 0 1 9 43
How Do Consumers Make Their Payment Choices? 0 0 0 0 3 11 31 31
How Interest Rate Changes Affect Credit Card Spending 12 14 14 14 11 11 11 11
How consumers pay: adoption and use of payments 0 0 1 65 1 2 14 138
How do consumers make their payment choices? 0 0 2 67 1 4 22 231
How do speed and security influence consumers' payment behavior? 0 0 1 4 4 7 27 75
How do speed and security influence consumers' payment behavior? 0 0 0 35 3 5 9 64
How does liquidity affect consumer payment choice? 0 0 0 22 1 3 7 42
Income and the CARD Act’s Ability‐to‐Pay Rule in the US Credit Card Market 0 0 0 11 3 6 16 28
Merchant Steering of Consumer Payment Choice 0 24 24 24 2 9 9 9
Merchant Steering of Consumer Payment Choice: Lessons Learned From Consumer Surveys 0 0 0 0 1 6 10 11
Merchant steering of consumer payment choice: evidence from a 2012 Diary survey 0 0 0 20 0 4 14 78
Merchant steering of consumer payment choice: lessons learned from consumer surveys 0 0 0 17 2 2 7 68
Mobile Payments in the United States at Retail Point of Sale: Current Market and Future Prospects 0 0 0 15 3 7 11 107
Mobile payments in the United States at retail point of sale: current market and future prospects 0 0 0 84 3 4 7 243
Network Externalities and Technology Adoption: Lessons from Electronic Payments 1 1 2 8 3 9 18 80
Network Externalities and Technology Adoption: Lessons from Electronic Payments 0 0 0 156 0 3 13 598
Network externalities and technology adoption: lessons from electronic payments 0 0 0 453 1 2 11 1,457
Payment Instrument Adoption and Use in the United States, 2009-2013, by Consumers' Demographic Characteristics 0 0 0 0 1 1 7 8
Payment discounts and surcharges: the role of consumer preferences 0 1 2 29 6 12 21 80
Payment instrument adoption and use in the United States, 2009–2013, by consumers' demographic characteristics 0 0 0 19 5 6 15 67
Payments Evolution from Paper to Electronic Payments by Merchant Type 0 0 1 48 2 3 12 41
Payments Evolution from Paper to Electronic: Bill Payments and Purchases 0 0 1 26 6 10 14 59
Personality Traits and Financial Outcomes 0 0 1 16 17 29 50 67
Personality Traits and Financial Outcomes 0 0 1 1 4 8 16 16
Price discrimination in the airline market: the effect of market concentration 1 1 4 3,109 3 4 21 10,670
Security of retail payments: the new strategic objective 0 0 0 17 1 3 8 94
Summary of the workshop on Consumer Behavior and Payment Choice 0 0 0 57 1 1 3 217
The 2011 and 2012 Surveys of Consumer Payment Choice 0 0 0 28 2 7 15 67
The 2011 and 2012 Surveys of Consumer Payment Choice: Summary Results 0 0 0 0 1 4 10 11
The 2012 diary of consumer payment choice 0 0 0 40 0 3 12 87
The 2013 Survey of Consumer Payment Choice: Summary Results 0 0 0 0 1 4 13 13
The 2013 Survey of Consumer Payment Choice: summary results 0 0 0 16 1 3 10 53
The 2014 Survey of Consumer Payment Choice: Summary Results 0 0 0 0 2 4 11 11
The 2014 survey of consumer payment choice: summary results 0 0 0 49 2 5 8 84
The 2015 Survey of Consumer Payment Choice: summary results 0 0 0 37 3 6 22 73
The 2016 and 2017 surveys of consumer payment choice: summary results 0 0 0 34 6 8 10 84
The 2017 Diary of Consumer Payment Choice 0 0 4 18 0 7 28 90
The Credit CARD Act of 2009: what did banks do? 0 0 0 13 5 5 15 76
The Credit Card Spending Channel of Monetary Policy: Micro Evidence from Account-level Data 0 0 11 11 2 4 33 33
The effect of demographics on payment behavior: panel data with sample selection 0 0 2 57 4 7 30 170
The effect of pricing on demand and revenue in Federal Reserve ACH payment processing 0 0 0 36 2 3 10 412
The effect of pricing on demand and revenue in Federal Reserve ACH payment processing 0 0 0 88 1 2 11 1,165
Who Is Paying All These Fees? An Empirical Analysis of Bank Account and Credit Card Fees 0 0 0 9 1 3 11 25
Who gains and who loses from credit card payments?: theory and calibrations 0 0 2 69 5 7 21 306
Why are (some) consumers (finally) writing fewer checks?: the role of payment characteristics 0 1 1 44 6 11 13 187
Total Working Papers 16 51 113 6,537 292 568 1,526 26,089


Journal Article File Downloads Abstract Views
Last month 3 months 12 months Total Last month 3 months 12 months Total
A comparison of social costs and benefits of paper check presentment and ECP with truncation 0 0 0 190 2 4 14 1,052
AN ECONOMIC ANALYSIS OF THE 2011 SETTLEMENT BETWEEN THE DEPARTMENT OF JUSTICE AND CREDIT CARD NETWORKS 0 0 0 5 2 2 5 19
ATM fees: does bank size matter? 0 0 0 194 5 7 13 959
Are there Social Spillovers in Consumers’ Security Assessments of Payment Instruments? 0 0 1 8 5 5 8 83
Can cash and mobile pay co-exist? What the data tell us 0 0 3 7 0 0 15 27
Can demand elasticities explain sticky credit card rates? 0 0 3 286 2 4 16 1,050
Changes in US payment behaviour during COVID-19: Differences by income and demographics 0 0 5 14 1 2 12 33
Checking accounts: what do banks offer and what do consumers value? 0 0 0 194 3 8 15 1,456
Checking accounts:; fees and features, consumer preferences, impact on bank revenues 0 0 0 109 2 2 4 645
Consumer preferences for payment methods: Role of discounts and surcharges 2 4 9 102 11 17 46 449
Credit CARD Act of 2009: What did banks do? 0 0 3 19 3 3 22 158
Credit Card Debt and Consumer Payment Choice: What Can We Learn from Credit Bureau Data? 0 0 2 21 2 4 23 164
Credit card borrowing, delinquency, and personal bankruptcy 0 0 0 687 1 6 21 3,136
Credit card debt puzzle: liquid assets to pay household bills 0 0 0 3 6 24 32 49
Did the Target data breach change consumer assessments of payment card security? 0 0 0 0 3 5 12 15
Does getting a mortgage affect consumer credit use? 0 0 0 5 5 8 13 32
Effect of consumer characteristics on the use of payment instruments 0 0 3 508 3 6 21 1,836
Estimating demand elasticities in a differentiated product industry: The personal computer market 0 0 2 72 1 4 16 220
Explaining adoption and use of payment instruments by US consumers 0 1 2 31 4 8 25 130
Firm strategies in the personal computer market: are established brands better off? 0 0 0 145 2 3 9 793
Frontier policy issues in consumer payment behaviour 0 0 0 0 2 3 6 7
HOW DO SPEED AND SECURITY INFLUENCE CONSUMERS' PAYMENT BEHAVIOR? 0 0 0 10 2 3 11 71
Has antitrust policy in banking become obsolete? 0 0 0 210 1 2 7 811
Has widespread use of credit cards contributed to the increase in personal bankruptcy? 0 0 0 86 3 6 6 261
How Consumers Pay: Adoption and Use of Payments 0 0 1 5 1 1 12 22
Income and banking access in the USA: The effect on bill payment choice 0 0 1 3 1 5 18 38
Merchant steering of consumer payment choice: Evidence from a 2012 diary survey 0 2 2 22 0 3 15 146
Mobile Payments at the Retail Point of Sale in the United States: Prospects for Adoption 0 0 0 64 2 2 13 234
Model Entry and Exit in a Differentiated-Product Industry: The Personal Computer Market 0 0 3 340 1 2 12 1,099
Network Externalities and Technology Adoption: Lessons from Electronic Payments 0 0 0 0 3 6 14 401
Network externalities in the market for electronic check payments 0 0 0 95 2 4 11 430
Perspective on payments 0 0 1 17 1 1 5 82
Perspective: While more people are paying electronically, many of us still cling to checks 0 0 0 24 1 1 6 115
Potential effects of an increase in debit card fees 0 0 0 17 3 7 14 87
Price Discrimination in the Airline Market: The Effect of Market Concentration 0 2 21 173 2 8 83 963
Regressive effects of payment card pricing and merchant cost pass-through in the United States and Canada 0 0 0 3 7 11 31 48
The Effect of Pricing on Demand and Revenue in Federal Reserve ACH Payment Processing 0 0 0 4 2 2 6 42
UNPREPARED FOR FINANCIAL SHOCKS: EMERGENCY SAVINGS AND CREDIT CARD DEBT 0 2 4 38 2 8 22 111
Who is paying all these fees? An empirical analysis of bank account and credit card fees 0 0 0 2 2 3 15 21
Who uses electronic check products: a look at depository institutions 0 0 0 95 3 3 10 501
Why are (some) consumers (finally) writing fewer checks? The role of payment characteristics 0 1 2 103 2 4 16 351
Total Journal Articles 2 12 68 3,911 106 207 675 18,147


Statistics updated 2026-05-06