Central Banking

Boston Fed investigates effects of credit scores on payment choice


The Federal Reserve Bank of Boston has published a discussion paper that looks into the effects of credit scores on consumer payment behaviour, especially on debit and credit card use.

Fumiko Hayashi and Joanna Stavins used a new consumer survey dataset to examine whether an anecdotally reported negative relationship between debit card use and credit score holds after controlling for various consumer characteristics, including demographic and financial characteristics, consumers' perceptions

Only users who have a paid subscription or are part of a corporate subscription are able to print or copy content.

To access these options, along with all other subscription benefits, please contact [email protected] or view our subscription options here: http://subscriptions.centralbanking.com/subscribe

You are currently unable to copy this content. Please contact [email protected] to find out more.

To continue reading...

You need to sign in to use this feature. If you don’t have a Central Banking account, please register for a trial.

Sign in
You are currently on corporate access.

To use this feature you will need an individual account. If you have one already please sign in.

Sign in.

Alternatively you can request an individual account here: