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Keywords:Consumer surveys 

Merchant steering of consumer payment choice: lessons learned from consumer surveys

Recent policy changes allow merchants to influence consumers? choice of payment instruments by offering price discounts and other incentives. This report describes lessons learned from using consumer survey responses to assess whether merchants tried to influence buyers? choice of payment method. To measure the effects of these recent policy changes, we included questions about merchant steering in pilot versions of a new diary survey of U.S. consumers. Our findings are inconclusive because some respondents interpreted the questions differently from the way we intended. This report aims to ...
Research Data Report , Paper 13-1

Discussion Paper
Adopting, using, and discarding paper and electronic payment instruments: variation by age and race

This paper uses data from the 2008 Survey of Consumer Payment Choice to discuss the adoption, use, and discarding of various common payment instruments. Using a nationally representative sample of individual-level data, it presents evidence in unparalleled detail about how consumers use different payment instruments. Most interestingly, it displays robust evidence of significant age- and race-related differences in payments choices. Among other things, it suggests that the range of payment instruments adopted and regularly used by blacks is narrower than that chosen by whites, presumably ...
Public Policy Discussion Paper , Paper 11-2

Discussion Paper
The 2009 survey of consumer payment choice

This paper presents results of the 2009 Survey of Consumer Payment Choice (SCPC), along with revised 2008 SCPC data. In 2009, the average U.S. consumer held 5.0 of the nine payment instruments available, including cash, and used 3.8 of them during a typical month. Between the 2008 and 2009 surveys, a period that includes the trough of the latest recession, consumers significantly increased their use of cash and close substitutes for cash, such as money orders and prepaid cards. At the same time, consumers reduced their use of credit cards and (to a lesser extent) debit cards, as well as ...
Public Policy Discussion Paper , Paper 11-1

Journal Article
Evidence on entrepreneurs in the United States: data from the 1989–2004 survey of consumer finances

Using data from the Federal Reserve Board?s Survey of Consumer Finances, the authors examine characteristics of entrepreneurs and the businesses they run. Their analysis confirms that business owners are important sources of saving and wealth creation in the U.S. and that they are less risk averse than other wealthy households. This discounts the notion that the wealth of entrepreneurs disproportionately reflects a buildup of precautionary balances to guard against financial risk.
Economic Perspectives , Volume 31 , Issue Q IV , Pages 18-36

Journal Article
Preliminary findings of the 1954 survey of consumer finances

Federal Reserve Bulletin , Issue Mar , Pages 246-249

Journal Article
1948 survey of consumer finances: part IV consumer saving and the allocation of disposable income

Federal Reserve Bulletin , Issue Aug , Pages 914-932

Journal Article
1949 survey of consumer finances: part III distribution of consumer income in 1948

Federal Reserve Bulletin , Issue Jul , Pages 778-792

Journal Article
Methods of the survey of consumer finances

Federal Reserve Bulletin , Issue Jul , Pages 795-809

Journal Article
1949 survey of consumer finances: part VIII. distribution of consumer saving in 1948

Federal Reserve Bulletin , Issue Jan , Pages 14-34

Journal Article
Survey of consumer finances: part I. expenditures for durable goods and investments

Federal Reserve Bulletin , Issue Jun , Pages 647-663


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