| Publications
Refereed journal articles
“Network Externalities and Technology Adoption:
Lessons from Electronic Payments,” with Gautam
Gowrisankaran. RAND Journal of Economics.
vol. 35, no. 2 (Summer 2004): 260-276.
“Price Discrimination in the Airline Market:
The Effect of Market Concentration.” Review
of Economics and Statistics. vol. 83, no. 1 (February
2001).
“The Effect of Pricing on Demand and Revenue
in Federal Reserve ACH Payment Processing,” with
Paul Bauer. Journal of Financial Services Research.
vol. 16, no. 1 (1999).
“Estimating Demand Elasticities in a Differentiated
Product Industry: The Personal Computer Market.” Journal of Economics and Business. vol. 49,
(July/August 1997): 347-67.
“Model Entry and Exit in a Differentiated Product
Industry: The Personal Computer Market.” The
Review of Economics and Statistics. vol. 77, no.
4 (November 1995): 571-84.
Other journal articles
“Network
Externalities in the Market for Electronic Check Payments.”
New England Economic Review (2003).
“Perspective:
Electronic Payments Networks Benefit Banks, Businesses,
and Consumers. Why Do So Few Use Them?” Regional Review vol.
13, no. 1 (Quarter 1, 2003).
“Who
Uses Electronic Check Products: A Look at Depository
Institutions.” New England Economic Review (Third Quarter 2002).
“Perspective:
While More People Are Paying Electronically, Many
of Us Still Cling to Checks” Regional Review vol. 11, no.
4 (Quarter 4, 2001).
“Effect
of Consumer Characteristics on the Use of Payment
Instruments.” New England Economic Review (Issue Number 3, 2001).
“Issues
in Economics: Has Widespread Use of Credit Cards Contributed
to the Increase in Personal Bankruptcy?” Regional Review vol. 10, no. 4 (Quarter 4, 2000).
“Credit
Card Borrowing, Deliquency, and Personal Bankruptcy.”
New England Economic Review (July/August 2000).
“ATM
Fees: Does Bank Size Matter?” New England Economic Review (January/February
2000).
“Checking
Accounts: Fees and Features, Consumer Preferences,
Impact on Bank Revenues.” New England Banking Trends (Fall 1999).
“Checking
Accounts: What Do Banks Offer and What Do Consumers
Value?” New England Economic Review (March/April 1999).
“Has
Antitrust Policy in Banking Become Obsolete?”
with Katerina V. Simons. New England Economic Review (March/April 1998).
“A Comparison
of Social Costs and Benefits of Paper Check Presentment
and ECP with Truncation.” New England Economic Review (July/August 1997).
“Can
Demand Elasticities Explain Sticky Credit Card Rates?”
New England Economic Review (July/August 1996).
“Firm
Strategies in the Personal Computer Market: Are Established
Brands Better Off?” New England Economic Review (November/December 1995).
Working papers and other unpublished papers
"Why are (Some) Consumers (Finally) Writing Fewer Checks? The Role of Payment Characteristics" with Scott Schuh. FRB Boston Working Papers Series, paper no. 09-1
"Summary of the Workshop on Consumer Behavior and Payment Choice" with Scott Schuh. FRB Boston Public Policy Discussion Papers Series, paper no. 08-5.
"Credit Card Debt and Payment Use". with Charles Sprenger. FRB Boston Working Papers Series, paper no. 08-2 (2008).
“Consumer Behavior and Payment Choice: 2006 Conference Summary,” with
Margaret Carten, Dan Littman, and Scott Schuh. FRB Boston Public Policy Discussion Papers Series,
paper no. 07-4 (2007).
“Consumer
Behavior and Payment Choice: A Conference Summary,” with
Marianne Crowe and Scott Schuh. FRB Boston Public Policy Discussion Papers Series,
paper no. 06-1 (2006).
“Do Bank
Mergers Affect Federal Reserve Check Volume?” FRB
Boston Public Policy Discussion Papers Series, paper no. 04-7
(2004).
“Network Externalities
and Technology Adoption: Lessons from Electronic Payments,”
with Gautam Gowrisankaran. FRB Boston Series, paper
no. 99-5 (1999).
“The Effect
of Pricing on Demand and Revenue in Federal Reserve
ACH Payment Processing,” with Paul Bauer.
FRB Boston Series, paper no. 97-6 (1997).
“Price Discrimination
in the Airline Industry: The Effect of Market Concentration.”
FRB Boston Series, paper no. 96-7 (1996).
“Estimating
Demand Elasticities in a Differentiated Product Industry:
The Personal Computer Market.” FRB Boston
Series, paper no. 95-9 (1995).
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