Research

Working Papers:

The Impact of the Paycheck Protection Program on (Really) Small Businesses . June 2022.

Household Portfolios and Retirement Saving over the Life Cycle. With J. Parker, A. Schoar, and D. Simester. June 2022. Revise and Resubmit Journal of Finance

Cyclical Dynamics in Idiosyncratic Consumption Risk: Evidence From The Nielsen Consumer Panel, 2004-2016.

Matching Consumer Survey Data with Credit Bureau Data. With Scott Schuh and Joanna Stavins.

Publications:

Financial Inclusion and Consumer Payment Choice. (2017). With Claire Greene. Journal of Financial Transformation46, issue , p. 219-235

“Do consumers rely more heavily on credit cards while unemployed?” 2016. Research Data Report No. 16-06. Federal Reserve Bank of Boston.

Research assistance:

Linares-Zegarra, Jose M., Kahn, Charles M., Stavins, Joanna. “Are there social spillovers? Security Assessments of Payment Instruments” 2016. DeNederlandsche Bank Payments Conference

Greene, Claire, Schuh, Scott and Stavins, Joanna. “The 2014 Survey of Consumer Payment Choice: Summary Results.” 2016. Federal Reserve Bank of Boston. Research Data Report Series No. 16-3.

Stavins, Joanna. “The Effect of Demographics on Payment Behavior: Panel Data with Sample Selection.” 2016. Federal Reserve Bank of Boston. Working Paper Series No 16-5. 

Greene, Claire and Stavins, Joanna. “Did the Target Data Breach Change Consumer Assessments of Payment Card Security?” 2016. Federal Reserve Bank of Boston. Research Data Report Series No. 16-1.

Connolly, Sean and Stavins, Joanna. “Payment Instrument Adoption and Use in the United States, 2009–2013, by Consumers’ Demographic Characteristics .” 2015. Federal Reserve Bank of Boston. Research Data Report Series No. 15-6. 

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