In this report the JPMorgan Chase Institute leverages de-identified administrative data on Chase customers between October 2012 and September 2015 to describe the key sources of income volatility among U.S. individuals and the size and growth of the Online Platform Economy. Our findings on...

In this report the JPMorgan Chase Institute assembled one of the largest samples of participants in the Online Platform Economy to date: over 240,000 de-identified individuals who earned income between October 2012 and June 2016 from one or more of 42 different platforms. Our findings point to...

Just a decade ago, the Online Platform Economy comprised a handful of marketplaces connecting independent sellers to buyers of physical goods. Today, many consumers use online platforms to procure almost any kind of good or service. Have these innovations created new viable options for making a...

The JPMorgan Chase Institute expanded its lens on local commerce, specifically looking at online commerce and how it has grown, who has driven that growth, and how it has impacted brick-and-mortar merchants. Building off a de-identified sample of 4 billion credit and debit card transactions from...

When a family experiences a cash-flow interruption, they can adjust by spending down savings, borrowing, cutting expenditures, or generating supplementary income. With the rise of the Online Platform Economy, this last option has likely become more available. In this report, we leverage the...