Joanna Stavins

Names

Identifer

Contact

Affiliations

• Federal Reserve Bank of Boston / Economic Research (weight: 50%)
  • EDIRC entry
  • location:
• Federal Reserve Bank of Boston (weight: 50%)
  • EDIRC entry
  • location:

Research profile

author of:

• Frontier policy issues in consumer payment behaviour
  Journal of Payments Strategy & Systems, Henry Stewart Publications (2009)
  by Schuh, Scott & Stavins, Joanna
  (ReDIF-article, aza:jpss00:y:2009:v:3:i:4:p:333-348)
• Did the Target data breach change consumer assessments of payment card security?
  Journal of Payments Strategy & Systems, Henry Stewart Publications (2017)
  by Greene, Claire & Stavins, Joanna
  (ReDIF-article, aza:jpss00:y:2017:v:11:i:2:p:121-133)
• Income and banking access in the USA: The effect on bill payment choice
  Journal of Payments Strategy & Systems, Henry Stewart Publications (2021)
  by Greene, Claire & Stavins, Joanna
  (ReDIF-article, aza:jpss00:y:2021:v:15:i:3:p:244-249)
• Changes in US payment behaviour during COVID-19: Differences by income and demographics
  Journal of Payments Strategy & Systems, Henry Stewart Publications (2023)
  by Greene, Claire & Merry, Ellen A. & Stavins, Joanna
  (ReDIF-article, aza:jpss00:y:2023:v:17:i:3:p:230-237)
• Can cash and mobile pay co-exist? What the data tell us
  Journal of Payments Strategy & Systems, Henry Stewart Publications (2024)
  by Foster, Kevin & Greene, Claire & Stavins, Joanna
  (ReDIF-article, aza:jpss00:y:2024:v:18:i:3:p:309-318)
• Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in Canada and the United States
  Staff Working Papers, Bank of Canada (2021)
  by Marie-Hélène Felt & Fumiko Hayashi & Joanna Stavins & Angelika Welte
  (ReDIF-paper, bca:bocawp:21-8)
• How Do Speed And Security Influence Consumers' Payment Behavior?
  Contemporary Economic Policy, Western Economic Association International (2016)
  by Scott Schuh & Joanna Stavins
  (ReDIF-article, bla:coecpo:v:34:y:2016:i:4:p:595-613)
• Unprepared For Financial Shocks: Emergency Savings And Credit Card Debt
  Contemporary Economic Policy, Western Economic Association International (2021)
  by Joanna Stavins
  (ReDIF-article, bla:coecpo:v:39:y:2021:i:1:p:59-82)
• Explaining adoption and use of payment instruments by US consumers
  RAND Journal of Economics, RAND Corporation (2016)
  by Sergei Koulayev & Marc Rysman & Scott Schuh & Joanna Stavins
  (ReDIF-article, bla:randje:v:47:y:2016:i:2:p:293-325)
• Mobile Payments in the United States at Retail Point of Sale: Current Market and Future Prospects
  Boston University - Department of Economics - Working Papers Series, Boston University - Department of Economics (2010)
  by Marc Rysman & Marianne Crowe & Joanna Stavins
  (ReDIF-paper, bos:wpaper:wp2010-055)
• Explaining adoption and use of payment instruments by U.S. consumers
  Boston University - Department of Economics - Working Papers Series, Boston University - Department of Economics (2015)
  by Sergei Koulayev & Marc Rysman & Scott Schuh & Joanna Stavins
  (ReDIF-paper, bos:wpaper:wp2015-004)
• Mobile Payments at the Retail Point of Sale in the United States: Prospects for Adoption
  Review of Network Economics, De Gruyter (2010)
  by Crowe Marianne & Rysman Marc & Stavins Joanna
  (ReDIF-article, bpj:rneart:v:9:y:2010:i:4:n:2)
• How do speed and security influence consumers' payment behavior?
  Working Paper Series, European Central Bank (2015)
  by Schuh, Scott & Stavins, Joanna
  (ReDIF-paper, ecb:ecbwps:20151871)
• Regressive effects of payment card pricing and merchant cost pass-through in the United States and Canada
  Journal of Banking & Finance, Elsevier (2023)
  by Felt, Marie-Hélène & Hayashi, Fumiko & Stavins, Joanna & Welte, Angelika
  (ReDIF-article, eee:jbfina:v:154:y:2023:i:c:s0378426623001668)
• Why are (some) consumers (finally) writing fewer checks? The role of payment characteristics
  Journal of Banking & Finance, Elsevier (2010)
  by Schuh, Scott & Stavins, Joanna
  (ReDIF-article, eee:jbfina:v:34:y:2010:i:8:p:1745-1758)
• Credit CARD Act of 2009: What did banks do?
  Journal of Banking & Finance, Elsevier (2014)
  by Jambulapati, Vikram & Stavins, Joanna
  (ReDIF-article, eee:jbfina:v:46:y:2014:i:c:p:21-30)
• Consumer preferences for payment methods: Role of discounts and surcharges
  Journal of Banking & Finance, Elsevier (2018)
  by Stavins, Joanna
  (ReDIF-article, eee:jbfina:v:94:y:2018:i:c:p:35-53)
• Who is paying all these fees? An empirical analysis of bank account and credit card fees
  Journal of Economics and Business, Elsevier (2024)
  by Shy, Oz & Stavins, Joanna
  (ReDIF-article, eee:jebusi:v:129:y:2024:i:c:s0148619523000504)
• Estimating demand elasticities in a differentiated product industry: The personal computer market
  Journal of Economics and Business, Elsevier (1997)
  by Stavins, Joanna
  (ReDIF-article, eee:jebusi:v:49:y:1997:i:4:p:347-367)
• Merchant steering of consumer payment choice: Evidence from a 2012 diary survey
  Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier (2015)
  by Stavins, Joanna & Shy, Oz
  (ReDIF-article, eee:soceco:v:55:y:2015:i:c:p:1-9)
• The 2017 Diary of Consumer Payment Choice
  Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta (2020)
  by Claire Greene & Joanna Stavins
  (ReDIF-paper, fip:fedadr:87817)
• 2018 Survey of Consumer Payment Choice
  Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta (2020)
  by Kevin Foster & Claire Greene & Joanna Stavins
  (ReDIF-paper, fip:fedadr:87820)
• 2018 Diary of Consumer Payment Choice
  Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta (2020)
  by Claire Greene & Joanna Stavins
  (ReDIF-paper, fip:fedadr:87821)
• Merchant Steering of Consumer Payment Choice: Lessons Learned From Consumer Surveys
  Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta (2013)
  by Oz Shy & Joanna Stavins
  (ReDIF-paper, fip:fedadr:99444)
• The 2011 and 2012 Surveys of Consumer Payment Choice: Summary Results
  Consumer Payments Research Data Reports, Federal Reserve Bank of Atlanta (2014)
  by Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedadr:99469)
• Credit Card Debt Puzzle: Liquid Assets to Pay Bills
  FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta (2022)
  by Claire Greene & Joanna Stavins
  (ReDIF-paper, fip:fedawp:94790)
• Checking accounts: ; fees and features, consumer preferences, impact on bank revenues
  New England Banking Trends, Federal Reserve Bank of Boston (1999)
  by Joanna Stavins
  (ReDIF-article, fip:fedbbt:y:1999:i:fall:p:1-8:n:22)
• How do speed and security influence consumers' payment behavior?
  Current Policy Perspectives, Federal Reserve Bank of Boston (2015)
  by Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbcq:2015_001)
• Faster payments: market structure and policy considerations
  Current Policy Perspectives, Federal Reserve Bank of Boston (2017)
  by Garth Baughman & Fumiko Hayashi & Mark D. Manuszak & Aaron Rosenbaum & Joanna Stavins & Kylie Stewart
  (ReDIF-paper, fip:fedbcq:2017_004)
• Credit Card Spending and Borrowing since the Start of the COVID-19 Pandemic
  Current Policy Perspectives, Federal Reserve Bank of Boston (2023)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbcq:97187)
• Buy Now, Pay Later: Who Uses It and Why
  Current Policy Perspectives, Federal Reserve Bank of Boston (2024)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbcq:98288)
• Merchant steering of consumer payment choice: lessons learned from consumer surveys
  Research Data Report, Federal Reserve Bank of Boston (2013)
  by Oz Shy & Joanna Stavins
  (ReDIF-paper, fip:fedbdr:13-1)
• The 2011 and 2012 Surveys of Consumer Payment Choice
  Research Data Report, Federal Reserve Bank of Boston (2014)
  by Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbdr:14-1)
• The 2013 Survey of Consumer Payment Choice: summary results
  Research Data Report, Federal Reserve Bank of Boston (2015)
  by Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbdr:15-4)
• Payment instrument adoption and use in the United States, 2009–2013, by consumers' demographic characteristics
  Research Data Report, Federal Reserve Bank of Boston (2015)
  by Sean Connolly & Joanna Stavins
  (ReDIF-paper, fip:fedbdr:15-6)
• Did the Target data breach change consumer assessments of payment card security?
  Research Data Report, Federal Reserve Bank of Boston (2016)
  by Claire Greene & Joanna Stavins
  (ReDIF-paper, fip:fedbdr:16-1)
• The 2014 survey of consumer payment choice: summary results
  Research Data Report, Federal Reserve Bank of Boston (2016)
  by Claire Greene & Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbdr:16-3)
• How do consumers make their payment choices?
  Research Data Report, Federal Reserve Bank of Boston (2017)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbdr:17-1)
• The 2015 Survey of Consumer Payment Choice: summary results
  Research Data Report, Federal Reserve Bank of Boston (2017)
  by Claire Greene & Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbdr:17-3)
• The 2012 diary of consumer payment choice
  Research Data Report, Federal Reserve Bank of Boston (2018)
  by Claire Greene & Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbdr:18-1)
• The 2016 and 2017 surveys of consumer payment choice: summary results
  Research Data Report, Federal Reserve Bank of Boston (2018)
  by Claire Greene & Joanna Stavins
  (ReDIF-paper, fip:fedbdr:18-3)
• Firm strategies in the personal computer market: are established brands better off?
  New England Economic Review, Federal Reserve Bank of Boston (1995)
  by Joanna Stavins
  (ReDIF-article, fip:fedbne:y:1995:i:nov:p:13-24)
• Can demand elasticities explain sticky credit card rates?
  New England Economic Review, Federal Reserve Bank of Boston (1996)
  by Joanna Stavins
  (ReDIF-article, fip:fedbne:y:1996:i:jul:p:43-54)
• A comparison of social costs and benefits of paper check presentment and ECP with truncation
  New England Economic Review, Federal Reserve Bank of Boston (1997)
  by Joanna Stavins
  (ReDIF-article, fip:fedbne:y:1997:i:jul:p:27-44)
• Has antitrust policy in banking become obsolete?
  New England Economic Review, Federal Reserve Bank of Boston (1998)
  by Katerina Simons & Joanna Stavins
  (ReDIF-article, fip:fedbne:y:1998:i:mar:p:13-26)
• Checking accounts: what do banks offer and what do consumers value?
  New England Economic Review, Federal Reserve Bank of Boston (1999)
  by Joanna Stavins
  (ReDIF-article, fip:fedbne:y:1999:i:mar:p:3-14)
• ATM fees: does bank size matter?
  New England Economic Review, Federal Reserve Bank of Boston (2000)
  by Joanna Stavins
  (ReDIF-article, fip:fedbne:y:2000:i:jan:p:13-24)
• Credit card borrowing, delinquency, and personal bankruptcy
  New England Economic Review, Federal Reserve Bank of Boston (2000)
  by Joanna Stavins
  (ReDIF-article, fip:fedbne:y:2000:i:jul:p:15-30)
• Effect of consumer characteristics on the use of payment instruments
  New England Economic Review, Federal Reserve Bank of Boston (2002)
  by Joanna Stavins
  (ReDIF-article, fip:fedbne:y:2002:i:q3:p:19-31)
• Who uses electronic check products: a look at depository institutions
  New England Economic Review, Federal Reserve Bank of Boston (2002)
  by Joanna Stavins
  (ReDIF-article, fip:fedbne:y:2002:i:q3:p:3-16)
• Network externalities in the market for electronic check payments
  New England Economic Review, Federal Reserve Bank of Boston (2003)
  by Joanna Stavins
  (ReDIF-article, fip:fedbne:y:2003:p:19-30)
• Potential effects of an increase in debit card fees
  Public Policy Brief, Federal Reserve Bank of Boston (2011)
  by Joanna Stavins
  (ReDIF-article, fip:fedbpb:y:2011:n:11-3)
• Do bank mergers affect Federal Reserve check volume?
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2004)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbpp:04-7)
• Consumer behavior and payment choice: a conference summary
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2006)
  by Marianne Crowe & Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbpp:06-1)
• Consumer behavior and payment choice : 2006 conference summary
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2007)
  by Margaret Carten & Daniel A. Littman & Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbpp:07-4)
• Summary of the workshop on Consumer Behavior and Payment Choice
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2008)
  by Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbpp:08-5)
• Mobile payments in the United States at retail point of sale: current market and future prospects
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2010)
  by Marianne Crowe & Marc Rysman & Joanna Stavins
  (ReDIF-paper, fip:fedbpp:10-2)
• Who gains and who loses from credit card payments?: theory and calibrations
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2010)
  by Scott Schuh & Oz Shy & Joanna Stavins
  (ReDIF-paper, fip:fedbpp:10-3)
• An economic analysis of the 2010 proposed settlement between the Department of Justice and credit card networks
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2011)
  by Scott Schuh & Oz Shy & Joanna Stavins & Robert K. Triest
  (ReDIF-paper, fip:fedbpp:11-4)
• Effects of credit scores on consumer payment choice
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2012)
  by Fumiko Hayashi & Joanna Stavins
  (ReDIF-paper, fip:fedbpp:12-1)
• The Credit CARD Act of 2009: what did banks do?
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2013)
  by Vikram Jambulapati & Joanna Stavins
  (ReDIF-paper, fip:fedbpp:13-7)
• Security of retail payments: the new strategic objective
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2013)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbpp:13-9)
• Credit Card Delinquencies: Are New England Consumers Better Off?
  New England Public Policy Center Regional Brief, Federal Reserve Bank of Boston (2025)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbrb:99396)
• Perspective: While more people are paying electronically, many of us still cling to checks
  Regional Review, Federal Reserve Bank of Boston (2001)
  by Joanna Stavins
  (ReDIF-article, fip:fedbrr:y:2001:i:q4:p:2-4:n:v.11no.4)
• Has widespread use of credit cards contributed to the increase in personal bankruptcy?
  Regional Review, Federal Reserve Bank of Boston (2001)
  by Joanna Stavins
  (ReDIF-article, fip:fedbrr:y:2001:i:q42000/q12001:p:4-7)
• Perspective on payments
  Regional Review, Federal Reserve Bank of Boston (2003)
  by Joanna Stavins
  (ReDIF-article, fip:fedbrr:y:2003:i:q1:p:6-9)
• Credit card debt and payment use
  Working Papers, Federal Reserve Bank of Boston (2008)
  by Charles Sprenger & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:08-2)
• Why are (some) consumers (finally) writing fewer checks?: the role of payment characteristics
  Working Papers, Federal Reserve Bank of Boston (2009)
  by Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:09-1)
• Explaining adoption and use of payment instruments by U. S. consumers
  Working Papers, Federal Reserve Bank of Boston (2012)
  by Sergei Koulayev & Marc Rysman & Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:12-14)
• How consumers pay: adoption and use of payments
  Working Papers, Federal Reserve Bank of Boston (2012)
  by Scott Schuh & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:12-2)
• Merchant steering of consumer payment choice: evidence from a 2012 Diary survey
  Working Papers, Federal Reserve Bank of Boston (2014)
  by Oz Shy & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:14-1)
• Are there social spillovers in consumers’ security assessments of payment instruments?
  Working Papers, Federal Reserve Bank of Boston (2016)
  by Charles M. Kahn & José Manuel Liñares-Zegarra & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:16-19)
• The effect of demographics on payment behavior: panel data with sample selection
  Working Papers, Federal Reserve Bank of Boston (2016)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbwp:16-5)
• Payment discounts and surcharges: the role of consumer preferences
  Working Papers, Federal Reserve Bank of Boston (2017)
  by Joanna Stavins & Huijia Wu
  (ReDIF-paper, fip:fedbwp:17-4)
• Credit card debt and consumer payment choice: what can we learn from credit bureau data?
  Working Papers, Federal Reserve Bank of Boston (2018)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbwp:18-7)
• How does liquidity affect consumer payment choice?
  Working Papers, Federal Reserve Bank of Boston (2019)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbwp:19-7)
• Does getting a mortgage affect credit card use?
  Working Papers, Federal Reserve Bank of Boston (2019)
  by Scott L. Fulford & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:19-8)
• Consumer Payment Choice for Bill Payments
  Working Papers, Federal Reserve Bank of Boston (2020)
  by Claire Greene & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:88884)
• Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in the United States and Canada
  Working Papers, Federal Reserve Bank of Boston (2020)
  by Marie-Hélène Felt & Fumiko Hayashi & Joanna Stavins & Angelika Welte
  (ReDIF-paper, fip:fedbwp:89226)
• Payments Evolution from Paper to Electronic: Bill Payments and Purchases
  Working Papers, Federal Reserve Bank of Boston (2021)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbwp:91781)
• Has COVID Changed Consumer Payment Behavior?
  Working Papers, Federal Reserve Bank of Boston (2021)
  by Claire Greene & Ellen A. Merry & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:93548)
• Payments Evolution from Paper to Electronic Payments by Merchant Type
  Working Papers, Federal Reserve Bank of Boston (2022)
  by Ruth Cohen & Oz Shy & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:94224)
• Credit Card Debt Puzzle: Liquid Assets to Pay Bills
  Working Papers, Federal Reserve Bank of Boston (2022)
  by Claire Greene & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:94585)
• Estimating demand elasticities in a differentiated product industry: the personal computer market
  Working Papers, Federal Reserve Bank of Boston (1995)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbwp:95-9)
• Who Is Paying All These Fees? An Empirical Analysis of Bank Account and Credit Card Fees
  Working Papers, Federal Reserve Bank of Boston (2022)
  by Oz Shy & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:95299)
• Price discrimination in the airline market: the effect of market concentration
  Working Papers, Federal Reserve Bank of Boston (1996)
  by Joanna Stavins
  (ReDIF-paper, fip:fedbwp:96-7)
• Personality Traits and Financial Outcomes
  Working Papers, Federal Reserve Bank of Boston (2023)
  by Claire Greene & Oz Shy & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:96113)
• The effect of pricing on demand and revenue in Federal Reserve ACH payment processing
  Working Papers, Federal Reserve Bank of Boston (1997)
  by Paul W. Bauer & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:97-6)
• Income and the CARD Act’s Ability‐to‐Pay Rule in the US Credit Card Market
  Working Papers, Federal Reserve Bank of Boston (2024)
  by Scott L. Fulford & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:98175)
• Consumer Payment Behavior by Income and Demographics
  Working Papers, Federal Reserve Bank of Boston (2024)
  by Claire Greene & Julian Perry & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:98618)
• Defining Households That Are Underserved in Digital Payment Services
  Working Papers, Federal Reserve Bank of Boston (2024)
  by Claire Greene & Fumiko Hayashi & Alicia Lloro & Oz Shy & Joanna Stavins & Ying Lei Toh
  (ReDIF-paper, fip:fedbwp:98803)
• Network externalities and technology adoption: lessons from electronic payments
  Working Papers, Federal Reserve Bank of Boston (1999)
  by Gautam Gowrisankaran & Joanna Stavins
  (ReDIF-paper, fip:fedbwp:99-5)
• The effect of pricing on demand and revenue in Federal Reserve ACH payment processing
  Financial Services working paper, Federal Reserve Bank of Cleveland (1997)
  by Paul W. Bauer & Joanna Stavins
  (ReDIF-paper, fip:fedcfs:97-01)
• Network externalities and technology adoption: lessons from electronic payments
  Working Paper Series, Federal Reserve Bank of San Francisco (2002)
  by Gautam Gowrisankaran & Joanna Stavins
  (ReDIF-paper, fip:fedfwp:2002-16)
• Faster Payments : Market Structure and Policy Considerations
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2017)
  by Garth Baughman & Fumiko Hayashi & Mark D. Manuszak & Aaron Rosenbaum & Joanna Stavins & Kylie Stewart
  (ReDIF-paper, fip:fedgfe:2017-100)
• Are there network externalities in electronic payments?
  Proceedings, Federal Reserve Bank of Chicago (1999)
  by Gautam Gowrisankaran & Joanna Stavins
  (ReDIF-paper, fip:fedhpr:652)
• Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in the United States and Canada
  Research Working Paper, Federal Reserve Bank of Kansas City (2020)
  by Marie-Hélène Felt & Fumiko Hayashi & Joanna Stavins & Angelika Welte
  (ReDIF-paper, fip:fedkrw:89530)
• Defining Households That Are Underserved in Digital Payment Services
  Research Working Paper, Federal Reserve Bank of Kansas City (2024)
  by Claire Greene & Fumiko Hayashi & Alicia Lloro & Oz Shy & Joanna Stavins & Ying Lei Toh
  (ReDIF-paper, fip:fedkrw:98816)
• Effects of credit scores on consumer payment choice
  Research Working Paper, Federal Reserve Bank of Kansas City (2012)
  by Fumiko Hayashi & Joanna Stavins
  (ReDIF-paper, fip:fedkrw:rwp12-03)
• Faster Payments: Market Structure and Policy Considerations
  Research Working Paper, Federal Reserve Bank of Kansas City (2017)
  by Garth Baughman & Fumiko Hayashi & Mark D. Manuszak & Aaron Rosenbaum & Joanna Stavins & Kylie Stewart
  (ReDIF-paper, fip:fedkrw:rwp17-14)
• Delivering Benefits of Faster Payments to the Underserved
  Consumer & Community Context, Board of Governors of the Federal Reserve System (U.S.) (2020)
  by Claire Greene & Fumiko Hayashi & Joanna Stavins
  (ReDIF-paper, fip:g00003:89155)
• How Consumers Pay: Adoption and Use of Payments
  Accounting and Finance Research, Sciedu Press (2013)
  by Scott Schuh & Joanna Stavins
  (ReDIF-article, jfr:afr111:v:2:y:2013:i:2:p:1)
• The Effect of Pricing on Demand and Revenue in Federal Reserve ACH Payment Processing
  Journal of Financial Services Research, Springer;Western Finance Association (1999)
  by Joanna Stavins & Paul Bauer
  (ReDIF-article, kap:jfsres:v:16:y:1999:i:1:p:27-45)
• Are there Social Spillovers in Consumers’ Security Assessments of Payment Instruments?
  Journal of Financial Services Research, Springer;Western Finance Association (2017)
  by Charles M. Kahn & José M. Liñares-Zegarra & Joanna Stavins
  (ReDIF-article, kap:jfsres:v:52:y:2017:i:1:d:10.1007_s10693-017-0270-9)
• Credit Card Debt and Consumer Payment Choice: What Can We Learn from Credit Bureau Data?
  Journal of Financial Services Research, Springer;Western Finance Association (2020)
  by Joanna Stavins
  (ReDIF-article, kap:jfsres:v:58:y:2020:i:1:d:10.1007_s10693-019-00330-8)
• Does getting a mortgage affect consumer credit use?
  Review of Economics of the Household, Springer (2022)
  by Scott Fulford & Joanna Stavins
  (ReDIF-article, kap:reveho:v:20:y:2022:i:3:d:10.1007_s11150-021-09550-1)
• Network Externalities and Technology Adoption: Lessons from Electronic Payments
  NBER Working Papers, National Bureau of Economic Research, Inc (2002)
  by Gautam Gowrisankaran & Joanna Stavins
  (ReDIF-paper, nbr:nberwo:8943)
• Credit Card Debt and Payment Use
  NFI Working Papers, Indiana State University, Scott College of Business, Networks Financial Institute (2012)
  by Charles Sprenger & Joanna Stavins
  (ReDIF-paper, nfi:nfiwps:2012-wp-06)
• An Economic Analysis Of The 2011 Settlement Between The Department Of Justice And Credit Card Networks
  Journal of Competition Law and Economics, Oxford University Press (2012)
  by Scott Schuh & Oz Shy & Joanna Stavins & Robert Triest
  (ReDIF-article, oup:jcomle:v:8:y:2012:i:1:p:107-144.)
• Network Externalities and Technology Adoption: Lessons from Electronic Payments
  RAND Journal of Economics, The RAND Corporation (2004)
  by Gautam Gowrisankaran & Joanna Stavins
  (ReDIF-article, rje:randje:v:35:y:2004:2:p:260-276)
• Credit card debt puzzle: liquid assets to pay household bills
  International Review of Economics, Springer;Happiness Economics and Interpersonal Relations (HEIRS) (2023)
  by Claire Greene & Joanna Stavins
  (ReDIF-article, spr:inrvec:v:70:y:2023:i:4:d:10.1007_s12232-023-00429-4)
• Model Entry and Exit in a Differentiated-Product Industry: The Personal Computer Market
  The Review of Economics and Statistics, MIT Press (1995)
  by Stavins, Joanna
  (ReDIF-article, tpr:restat:v:77:y:1995:i:4:p:571-84)
• Price Discrimination in the Airline Market: The Effect of Market Concentration
  The Review of Economics and Statistics, MIT Press (2001)
  by Joanna Stavins
  (ReDIF-article, tpr:restat:v:83:y:2001:i:1:p:200-202)