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Working Paper
Accounting for Growth in the Age of the Internet The Importance of Output-Saving Technical Change
Nakamura, Leonard I.; Hulten, Charles R. (2017-07-31)
We extend the conventional Solow growth accounting model to allow innovation to affect consumer welfare directly. Our model is based on Lancaster?s New Approach to Consumer Theory, in which there is a separate ?consumption technology? that transforms the produced goods, measured at production cost, into utility. This technology can shift over time, allowing consumers to make more efficient use of each dollar of income. This is ?output-saving? technical change, in contrast to the Solow TFP ?resource-saving? technical change. One implication of our model is that living standards can rise at a ...
Working Papers , Paper 17-24

Newsletter
Any bounce in the economy in 2003?
Strauss, William A.; Munley, Michael; Walster, Scott (2003-01)
Chicago Fed Letter , Issue Jan

Journal Article
Mobile Banking Use and Consumer Readiness to Benefit from Faster Payments
Toh, Ying Lei; Hayashi, Fumiko (2020-04-17)
The U.S. payments industry is currently implementing faster payments that will enable consumers and businesses to send and receive payments almost instantly at any time of day, any day of the year. Mobile banking in particular may allow consumers to realize the full benefits of faster payments. As a result, a consumer’s use of mobile banking is a good indicator of their readiness to benefit from faster payments.Fumiko Hayashi and Ying Lei Toh examine which consumer characteristics are associated with mobile banking use as well as what other factors may influence consumer readiness. They ...
Economic Review , Volume 105 , Issue no.1 , Pages 5

Briefing
Rationalizing financial literacy policy
Stilwell, Anne; Athreya, Kartik B. (2009-03)
It is hard to argue against the need for greater financial literacy. But how can households learn to make better decisions and to what extent can public policy help?
Richmond Fed Economic Brief , Issue Mar

Journal Article
Financial literacy education: a potential tool for reducing predatory lending?
Todd, Richard M. (2002-12)
A review of studies on the effectiveness of financial literacy training and whether such training results in responsible financial decision making by consumers.
The Region , Volume 16 , Issue Dec. , Pages 6-9, 34-36

Working Paper
How and why do consumers choose their payment methods?
Schreft, Stacey L. (2006)
This essay provides an overview of the literature on consumer payment behavior. It considers the state of our understanding of how and why consumers choose their payment methods and what is needed to make more headway in understanding consumer payment decisions. It closes by discussing the policy issues that require that we make progress with payments research.
Research Working Paper , Paper RWP 06-04

Speech
Economic outlook
Plosser, Charles I. (2011-09-29)
Presented by Charles I. Plosser, President and Chief Executive Officer, Federal Reserve Bank of Philadelphia, Business Leaders Forum, Villanova School of Business, September 29, 2011>
Speech , Paper 56

Journal Article
Opinion : When disclosure is not enough
Grochulski, Borys (2007-10)
Econ Focus , Volume 11 , Issue Fall , Pages 52

Journal Article
Survey shows increased income and net worth for U.S. families
anonymous (2003-04-02)
Financial Update , Volume 16 , Issue Q 2

Journal Article
Negative Sentiment toward Spending and Declining Real Incomes May Meaningfully Lower Consumption
Cakir Melek, Nida; Pollard, Emily (2022-11-04)
Despite a contraction in real GDP in the first half of 2022, consumer spending has remained resilient. We examine a set of factors that have historically affected consumption growth and find that excess savings have boosted consumer spending during the COVID-19 pandemic. However, as excess savings decline and economic relationships normalize, negative sentiment toward spending and declining real incomes may meaningfully lower consumption.
Economic Bulletin , Issue November 4, 2022 , Pages 4

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