{"id":"https://openalex.org/W3094044656","doi":"https://doi.org/10.29412/res.wp.2020.09","title":"Consumer Payment Choice for Bill Payments","display_name":"Consumer Payment Choice for Bill Payments","publication_year":2020,"publication_date":"2020-10-14","ids":{"openalex":"https://openalex.org/W3094044656","doi":"https://doi.org/10.29412/res.wp.2020.09","mag":"3094044656"},"language":"en","primary_location":{"id":"doi:10.29412/res.wp.2020.09","doi":"https://doi.org/10.29412/res.wp.2020.09","is_oa":true,"landing_page_url":"https://doi.org/10.29412/res.wp.2020.09","pdf_url":"https://www.bostonfed.org/-/media/Documents/Workingpapers/PDF/2020/wp2009.pdf","source":{"id":"https://openalex.org/S4210192657","display_name":"Working paper series","issn_l":"2381-6287","issn":["2381-6287"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Federal Reserve Bank of Boston Research Department Working Papers","raw_type":"report"},"volume":null,"type":"report","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://www.bostonfed.org/-/media/Documents/Workingpapers/PDF/2020/wp2009.pdf","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5089546455","display_name":"Claire Greene","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Claire Greene","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5047115660","display_name":"Joanna Stavins","orcid":"https://orcid.org/0000-0003-0691-712X","observed_orcids":["https://orcid.org/0000-0003-0691-712X"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Joanna Stavins","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":18,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.6693999767303467,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.6693999767303467,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.07400000095367432,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.05689999833703041,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/consumer-payment-choice","display_name":"consumer payment choice","score":0.7820000052452087},{"id":"https://openalex.org/keywords/bill-payment","display_name":"bill payment","score":0.8870000243186951},{"id":"https://openalex.org/keywords/automatic-payment","display_name":"automatic payment","score":0.7200000286102295},{"id":"https://openalex.org/keywords/online-payment","display_name":"online payment","score":0.9819999933242798},{"id":"https://openalex.org/keywords/payment-choice","display_name":"payment method choice","score":0.5339999794960022},{"id":"https://openalex.org/keywords/cash-payments","display_name":"cash payments","score":0.4699999988079071},{"id":"https://openalex.org/keywords/prepaid-cards","display_name":"prepaid cards","score":0.8700000047683716},{"id":"https://openalex.org/keywords/low-income-consumers","display_name":"low-income consumers","score":0.9940000176429749},{"id":"https://openalex.org/keywords/salience-effects","display_name":"salience effects","score":0.7570000290870667}],"concepts":[{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.8270885944366455},{"id":"https://openalex.org/C109168655","wikidata":"https://www.wikidata.org/wiki/Q242988","display_name":"Liberian dollar","level":2,"score":0.7766215801239014},{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.7418384552001953},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6587479114532471},{"id":"https://openalex.org/C2778083465","wikidata":"https://www.wikidata.org/wiki/Q693464","display_name":"Cash","level":2,"score":0.6308914422988892},{"id":"https://openalex.org/C2776291640","wikidata":"https://www.wikidata.org/wiki/Q2912517","display_name":"Value (mathematics)","level":2,"score":0.5013306140899658},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.4530550539493561},{"id":"https://openalex.org/C2776314989","wikidata":"https://www.wikidata.org/wiki/Q833495","display_name":"Consumer choice","level":2,"score":0.43459275364875793},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.36847206950187683},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.32440823316574097},{"id":"https://openalex.org/C54750564","wikidata":"https://www.wikidata.org/wiki/Q26643","display_name":"Commerce","level":1,"score":0.320659875869751},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.25494998693466187},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.14887884259223938},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.14124995470046997},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0}],"mesh":[],"locations_count":5,"locations":[{"id":"doi:10.29412/res.wp.2020.09","doi":"https://doi.org/10.29412/res.wp.2020.09","is_oa":true,"landing_page_url":"https://doi.org/10.29412/res.wp.2020.09","pdf_url":"https://www.bostonfed.org/-/media/Documents/Workingpapers/PDF/2020/wp2009.pdf","source":{"id":"https://openalex.org/S4210192657","display_name":"Working paper series","issn_l":"2381-6287","issn":["2381-6287"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Federal Reserve Bank of Boston Research Department Working Papers","raw_type":"report"},{"id":"pmh:oai:RePEc:fip:fedadr:99819","doi":null,"is_oa":false,"landing_page_url":"https://www.atlantafed.org/-/media/documents/banking/consumer-payments/research-data-reports/2020/10/19/consumer-payment-choice-for-bill-payments.pdf","pdf_url":"https://www.atlantafed.org/-/media/documents/banking/consumer-payments/research-data-reports/2020/10/19/consumer-payment-choice-for-bill-payments.pdf","source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},{"id":"mag:3094044656","doi":null,"is_oa":false,"landing_page_url":"https://ideas.repec.org/p/fip/fedbwp/88884.html","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"RePEc: Research Papers in Economics","raw_type":null},{"id":"pmh:oai:RePEc:fip:fedbwp:88884","doi":null,"is_oa":false,"landing_page_url":"https://www.bostonfed.org/publications/research-department-working-paper/2020/consumer-payment-choice-for-bill-payments.aspx","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"preprint"},{"id":"pmh:oai:econstor.eu:10419/238071","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/10419/238071","pdf_url":null,"source":{"id":"https://openalex.org/S4306401696","display_name":"Econstor (Econstor)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"doc-type:workingPaper"}],"best_oa_location":{"id":"doi:10.29412/res.wp.2020.09","doi":"https://doi.org/10.29412/res.wp.2020.09","is_oa":true,"landing_page_url":"https://doi.org/10.29412/res.wp.2020.09","pdf_url":"https://www.bostonfed.org/-/media/Documents/Workingpapers/PDF/2020/wp2009.pdf","source":{"id":"https://openalex.org/S4210192657","display_name":"Working paper series","issn_l":"2381-6287","issn":["2381-6287"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Federal Reserve Bank of Boston Research Department Working Papers","raw_type":"report"},"sustainable_development_goals":[],"sustainable_development_goals_aurora":[],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3094044656.pdf","grobid_xml":"https://content.openalex.org/works/W3094044656.grobid-xml"},"referenced_works_count":10,"referenced_works":["https://openalex.org/W1559867258","https://openalex.org/W1893046654","https://openalex.org/W2011160609","https://openalex.org/W2067789361","https://openalex.org/W2093401601","https://openalex.org/W2098118559","https://openalex.org/W2158362892","https://openalex.org/W2519806762","https://openalex.org/W2810572300","https://openalex.org/W6749281867"],"related_works":["https://openalex.org/W3205222897","https://openalex.org/W1515431241","https://openalex.org/W2523694020","https://openalex.org/W3150537593","https://openalex.org/W7097121439","https://openalex.org/W2903819103","https://openalex.org/W4315631703","https://openalex.org/W7112141941","https://openalex.org/W7096002142","https://openalex.org/W4387972093"],"abstract_inverted_index":{"Why":[0],"do":[1],"US":[2,127],"consumers":[3,27,128,130,148,191,221,287,303],"pay":[4,145,149,164,203,223,240,289],"their":[5,146,150,204,216,224,233,241,290],"bills":[6,151,225,242,291,300],"the":[7,23,43,49,53,56,62,77,82,101,154,157,194,256,260,263,270,318,321],"way":[8],"they":[9,32,186,198,208],"do?Using":[10],"data":[11],"from":[12,153,232],"a":[13,188],"recent":[14],"diary":[15,195],"of":[16,25,52,61,103,156,184,259,269,273,320],"consumer":[17],"payment":[18,44,83,104,135,235],"behavior,":[19],"we":[20,250,284],"find":[21,219,266,285],"that":[22,220,277,286,306],"type":[24],"bill":[26,54,90,181,275,308],"are":[28,33,38,73,92,123,160,172,209,227,244,310],"paying":[29,34],"and":[30,55,58,70,115,120,171,262,296],"how":[31],"(online":[35],"or":[36,141,179],"automatically)":[37],"important":[39,79],"factors":[40,80],"in":[41,46,165,193,206,312],"determining":[42,81],"method,":[45,236],"addition":[47],"to":[48,75,133,144,163,175,200,202,212,230,247],"dollar":[50,68,257],"value":[51,69,313],"demographic":[57,71,254],"income":[59],"profile":[60],"individual":[63],"who":[64,222,239,288],"is":[65,108,317],"paying.In":[66],"contrast,":[67],"attributes":[72],"found":[74],"be":[76],"most":[78,134],"instrument":[84,105],"chosen":[85],"for":[86,89,106,252,281],"purchases.Consumer":[87],"choices":[88],"payments":[91,122,276,309],"somewhat":[93],"constrained":[94,110],"by":[95,98,111,118,323],"requirements":[96],"imposed":[97],"merchants,":[99],"while":[100,237],"choice":[102],"purchases":[107],"not":[109,124,210],"such":[112],"requirements.The":[113],"convenience":[114],"speed":[116],"provided":[117],"automatic":[119,274,307],"online":[121,180,226],"benefitting":[125],"all":[126],"equally.Unbanked":[129],"lack":[131],"access":[132],"methods":[136,197],"and,":[137],"hence,":[138],"use":[139,167,201],"cash":[140],"prepaid":[142],"cards":[143],"bills.Low-income":[147],"differently":[152],"rest":[155],"sample:":[158],"They":[159],"more":[161,169,245,298],"likely":[162,174,211,229,246],"person,":[166],"significantly":[168],"cash,":[170],"less":[173,228],"set":[176],"up":[177],"automated":[178],"payments,":[182],"regardless":[183],"whether":[185],"have":[187,293],"bank":[189],"account.Although":[190],"specify":[192],"which":[196,316],"prefer":[199],"bills,":[205],"practice":[207],"act":[213],"consistently":[214],"with":[215],"stated":[217],"preferences.We":[218],"deviate":[231],"preferred":[234],"those":[238],"automatically":[243,292],"deviate,":[248],"after":[249],"control":[251],"income,":[253],"attributes,":[255],"amount":[258],"bill,":[261],"merchant":[264],"type.We":[265],"no":[267],"evidence":[268],"salience":[271],"effect":[272],"Sexton":[278,324],"(2015)":[279],"finds":[280],"energy":[282],"consumption.Rather,":[283],"higher":[294],"incomes":[295],"spend":[297],"on":[299,314],"than":[301],"lower-income":[302],"do,":[304],"but":[305],"lower":[311],"average,":[315],"opposite":[319],"finding":[322],"(2015).":[325]},"counts_by_year":[{"year":2025,"cited_by_count":4},{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":5},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":5},{"year":2020,"cited_by_count":1}],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2020-10-29T00:00:00"}