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Why are (some) consumers (finally) writing fewer checks?: the role of payment characteristics

Schuh, Scott; Stavins, Joanna - Federal Reserve Bank of Boston - 2009

the use of paper checks that has been quite uneven across consumers and not well understood. This paper estimates … econometric models of consumers’ adoption (extensive margin) and use (intensive margin) of checks plus six other common U … checks can explain directly about 25 and 14 percent, respectively, of the 8.4 percentage point decline in check use from 2003 …

Persistent link: https://www.econbiz.de/10005713289

Checking accounts: ; fees and features, consumer preferences, impact on bank revenues

Stavins, Joanna - In: New England Banking Trends (1999) Fall, pp. 1-8

Persistent link: https://www.econbiz.de/10005420130

Perspective on payments

Stavins, Joanna - In: Regional Review (2003) Q 1, pp. 6-9

One reason the U.S. has been slow to move from paper checks to electronic payments is that the benefits for individual …

Persistent link: https://www.econbiz.de/10005717824

Credit card debt and payment use

Sprenger, Charles; Stavins, Joanna - Federal Reserve Bank of Boston - 2008

Approximately half of credit card holders in the United States regularly carry unpaid credit card debt. These so-called "revolvers" exhibit payment behavior that differs from that of those who repay their entire credit card balance every month. Previous literature has focused on the adoption of...

Persistent link: https://www.econbiz.de/10005501377

Consumer behavior and payment choice : 2006 conference summary

Carten, Margaret; Littman, Dan; Schuh, Scott; Stavins, … - Federal Reserve Bank of Boston - 2007

This paper summarizes the proceedings of the second Consumer Behavior and Payment Choice conference, held at the Federal Reserve Bank of Boston on July 25–27, 2006. These conferences are unique in featuring the collaboration of two groups of payments experts — the private-sector payments...

Persistent link: https://www.econbiz.de/10005490733

Summary of the workshop on Consumer Behavior and Payment Choice

Schuh, Scott; Stavins, Joanna - Federal Reserve Bank of Boston - 2008

This paper summarizes and outlines some interesting issues that arose during a recent workshop on Consumer Behavior and Payment Choice, hosted by the Federal Reserve Bank of Boston’s Emerging Payments Research Group (EPRG) on July 25, 2008. Topics addressed are the consumer adoption of new...

Persistent link: https://www.econbiz.de/10005490737

Merchant steering of consumer payment choice: Evidence from a 2012 diary survey

Stavins, Joanna; Shy, Oz - In: Journal of Behavioral and Experimental Economics … 55 (2015) C, pp. 1-9

This paper seeks to discover whether U.S. merchants are using their recently granted freedom to offer price discounts and other incentives to steer customers to pay with methods that are less costly to merchants. Using evidence of merchant steering based on the 2012 Diary of Consumer Payment...

Persistent link: https://www.econbiz.de/10011264253

Effect of consumer characteristics on the use of payment instruments

Stavins, Joanna - In: New England Economic Review (2002) Q 3, pp. 19-31

Predictions about a cashless and checkless society have been made for many years, but retail payments transactions made with electronic payment instruments still constitute only a small fraction of all payments made in the United States. This is the case despite differences in cost and despite...

Persistent link: https://www.econbiz.de/10005729213

Effect of consumer characteristics on the use of payment instruments

Stavins, Joanna - In: New England economic review (2001) 3, pp. 19-31

Persistent link: https://www.econbiz.de/10001620890

Checking accounts : what do banks offer and what do consumers value?

Stavins, Joanna - In: New England economic review (1999), pp. 3-13

Persistent link: https://www.econbiz.de/10001412815

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