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The 2008 Survey of Consumer Payment Choice
Data User Manual
Federal Reserve Bank of Boston
©2008–2010 Federal Reserve Bank of Boston.
Introduction
This data file contains 1010 observations and 1171 variables. There are two broad categories of
variables: “derived” and “raw” variables.
The “derived” variables were created by the staff of the Consumer Payments Research Center (CPRC) to
aid in data analysis. Most of these variables have names that intuitively describe them using a
combination of mnemonics. The first section of this document, titled “Mnemonic-based Variables”
explains the most frequently used mnemonics and the structure of the variable names that use them. In
addition, this section describes flags, which have names that are based both on mnemonic and “raw”
variables. A brief explanation of these variables and their purpose is provided Flags subsection, at the end
of the first section.
The second section of this document, “Non-Mnemonic variables,” describes “derived” variables that do
not follow the mnemonic-based naming conventions. These variables include identifiers, weights, and
certain demographic categories, which are described in some detail in this section. The “Non-Mnemonic
variables” section also includes “intermediate” derived variables that were created as part of the
frequency conversion of some responses, or in unwinding the random answer-category responses.
The “raw” variables are based directly on survey responses. Prior to answering the questions in the
Survey of Consumer Payment Choice (SCPC), the respondent is asked to complete the RAND
Corporation’s Household Information module. The Household module is used to gather demographic
data about each respondent. The names and definitions of raw variables are embedded in the
questionnaires, so the two questionnaires, the RAND Household Information questionnaire and the 2008
SCPC Questionnaire, are appended to this document, in that order. Some additional notes pertaining to
variables in the RAND Household Information questionnaire follow in this section.
Conversions of raw variables
Two processes have been applied to variables in the dataset to make them useful for researchers:
Questions that were presented to respondents in a randomized order have been processed to properly log
responses, and variables giving respondents multiple frequencies to report in have been converted to one
frequency for analysis. More detail on each process follows.
Unwinding randomization: To avoid potential biases arising from the order of answer categories
presented to respondents, the survey instrument presented answer categories in a randomized order
wherever it was appropriate. The questionnaire clearly indicates if responses were randomized. Results
from this process will have variable names that differ slightly from the questionnaire. This discrepancy in
naming between the survey instrument and the dataset is based upon the internal coding processes of
American Life Panel surveys; however, the variables names in the dataset are very similar to the names
given in the question text. These variable names are documented in the “Unwound variables” subsection.
The raw data from the survey instrument as well as the SAS macros that unwind these variables can be
made available upon request.
Frequency conversion: Respondents are given the option of enumerating their payment use in terms of a
typical week, month, or year. This dataset includes variables where responses have been standardized to a
1
monthly frequency. The difference between the “intermediate” and the “mnemonic-based” is that the
latter accounts for payment instrument adoption.
A similar frequency conversion applies to questions regarding when the respondent adopted a particular
payment instrument or payment technology. Respondents are given the option of providing the year of
first adoption, or their age at first adoption, or how many years ago they adopted that instrument. These
variables have been standardized to the last option. The SAS macros for these frequency conversions can
be made available upon request.
Notes on the RAND Household Information questionnaire:
The variables contained in the 2008 SCPC dataset differ slightly from the variables contained in the
RAND Household Information questionnaire and 2008 SCPC Questionnaire. They differ primarily in
terms of naming. The following inconsistencies should be noted:
The family income variables that were used in the official 2008 SCPC tables publication (PPDP
09-10, described below) were based on the information in the initial familyincome variable
(contained in the RAND Household Information questionnaire) along with the variable DE010,
which was asked in the 2008 SCPC Questionnaire. An additional variable from the RAND
Household Information questionnaire, familyincome_part2, was used in cases where DE010 was
missing. DE010 and familyincome were used because they are the most up to date variables at
the time of the survey.
The variable named “white” in the RAND Household Information questionnaire has been
renamed race in this dataset as it is a description of the respondent’s ethnicity or race. White is
now an indicator (dummy) variable indicating if the respondent answered the white category or
not, which is consistent with other indicator variables for ethnic classifications.
In general, only one version of each variable from the RAND Household Information
questionnaire was included in this dataset. This was done to avoid confusion about duplicated
variables (the variables for household income are exceptions, since two variables were actually
used to compute the variables used in the 2008 SCPC tables release). Additional versions of
these variables may be available from the RAND Corporation in their version of the dataset. The
variables in this release were selected for use in the 2008 SCPC tables after consultation with the
RAND Corporation and hence we would recommend that researchers use our versions of the
RAND Household Information variables.
Further information:
Please see Federal Reserve Bank of Boston Public Policy Discussion Paper No. 09-10, The 2008 Survey
of Consumer Payment Choice, by Foster, Meijer, Schuh, and Zabek (PPDP 09-10), for further
information, including:
An overview of the survey
Selected results
Definitions of the terminology used
A more detailed discussion of data cleaning and sampling weights
2
Additional contact information.
Stable URL: http://www.bos.frb.org/economic/ppdp/2009/ppdp0910.pdf
Stable URL for the data: http://www.bos.frb.org/economic/cprc/scpc/index.htm
Questions regarding the data can be directed to:
Kevin Foster
Survey Methodologist
Consumer Payment Research Center
Federal Reserve Bank of Boston
(617) 973-3955
Kevin.Foster@bos.frb.org
3
Mnemonic-based Variables
Most variable names are a combination of 2-3 mnemonics, combined using underscores (_).
Typically, the first mnemonic refers to the payment instrument and the second or last mnemonic indicates
the concept being communicated, such as its characteristic, adoption, or typical use. This is not always the
case; a number of variables describe concepts that are independent of any payment instrument.
This section covers mnemonics in roughly the order their corresponding questions appear in the SCPC
questionnaire. The major subsections describe mnemonics for payment instruments, the assessment of
payment characteristics, payment adoption, and payment use. The last subsection, Flags, includes a brief
explanation of the data cleaning and imputations.
Payment Instruments:
csh Cash
chk Check
dc Debit
cc Credit
svc
ebad
obbp
mon Mone
tc Traveler’
ach*
card
card
Stored-value card/Prepaid card
Electronic bank account deduction
Online banking bill payment
y order
s check
Electronic deduction
* The mnemonic “ach,” indicates a transaction processed through the Automated Clearing House system
and is only used with the mnemonics for payment characteristics (below) – this is because respondents are
asked to rate each characteristic for “Electronic deductions”, which combines “ebad” and “obbp” above.
ACH is not considered a payment instrument in PPDP 09-10.
Note: For definitions of payment instruments please see Appendix A in PPDP 09-10.
Payment Instruments are grouped as follows:
paper
card
elect
Cash, Check, Money order, Traveler’s checks
Credit cards, Debit cards, Prepaid cards
Electronic bank account deductions and
Online banking bill payments
4
Assessment of Payment Characteristics:
security Security
setup
acceptance
cost Cost
control
records Pay
speed Pay
ease
Acquisition and set up
Acceptance for payment
Control over payment timing
ment records
ment speed
Ease of use
Note: For definitions of the above characteristics, please see Appendix A in PPDP 09-10.
For example: The variable ach_security contains respondents’ rankings (1 to 5) of the security of
electronic deductions.
Other ‘Assessment of Characteristics’ mnemonics: Questions AS011a and AS011b presented
respondents with a randomized list of payment characteristics and asked them to pick the most and least
important ones. Variables with prefixes “most_” and “least_” combined with each of the payment
characteristics above are dummy variables that contain the unwound responses to these questions. The
values are 1 if the respondent reports that characteristic as most (least) important and 0 otherwise.
Payment Adoption:
adopt
ever
discard
num
adopt_ago
Respondent is currently an adopter (Y/N)
Respondent was an adopter (Y/N)
Respondent was an adopter, not anymore
(Y/N)
Number of payment instruments
(=0 for non-adopters)
Number of years since first adopting a
payment instrument, up to 2008. (see PA028)
Please note that _adopt variables are only created where adoption is a separate concept that differs from
all other concepts in the survey.
For example, in the 2008 SCPC adopting checks was the same as adopting a checking account, so
chk_adopt does not exist in this data, but chk_acnt_adopt is used instead. Similarly adopting money
orders is defined as having a positive incidence of use of money orders in a typical year, so mon_t_y
(where “_t_y” is defined below) is used in lieu of mon_adopt.
In addition to the payment instruments above, respondents are also asked about their bank account
adoption, and adoption of other payment technologies. The corresponding mnemonics are:
chk_acnt Checking
sav_acnt Savings
atm
account
account
ATM cards only
5
tb Telephone
ob
banking
Online banking (need not include bill
pay)
mb Mobile
banking
contactless
Contactless payment technology
(used with cc, dc, svc, other)
etb
Electronic toll payment
keyfob Key
fob
overdraftprotection Overdraft protection
cc_rewards
Rewards (see PA019)
cc_norewards
No rewards (see PA019)
svc_bought
Bought (see PA021)
svc_received
Received (see PA021)
Payment Use:
Respondents are asked to enumerate their payment use in various transaction types:
abp
obp
ipbp
bp
op
erp
nerp
rp
onrp
pos
Automatic bill payment
Online bill payment
In-person bill payment (or via mail)
bill payment (sums over all bill payments)
Online (non-bill) payments
Essential retail payments (in-person)
Non-essential retail payments (in-person)
Retail payments (sums over erp and nerp)
Other non-retail payments (in-person)
Point-of-sale (sums over in-person nonbill payments: erp, nerp, and onrp)
Note: For definitions of these transaction types, please see Appendix A in PPDP 09-10.
Frequency-related mnemonics are as follows:
typ
t_m
t_y
sh
Number of transactions in a typical month
Respondent makes the corresponding type
of payment at least once in a typical
month (Y/N)
Respondent makes the corresponding type
of payment at least once in a typical year
(Y/N)
Number of transactions in a typical
month, as proportion of all payments
(please see below)
6
Because payment use variables are specific to payment instrument and/or transaction type, variable
names can include both mnemonics (with the payment instrument first) and end with the appropriate
frequency suffix. Some examples:
csh_erp_typ: number of essential retail payments made using cash in a typical month
obbp_obp_typ: number of online bill payments made using online banking bill payment in a
typical month
dc_op_t_y: dummy variable indicating whether respondent uses a debit card to make an
online (non-bill) payment in a typical year
Not all payment use variables are specific to a combination of payment instrument and transaction type.
For example:
abp_typ: number of automatic bill payments in a typical month
chk_typ: number of payments made using checks in a typical month
elect_typ: number of payments made using any of the electronic payment instruments in a
typical month
Although these examples all use _typ, corresponding dummy variables exist with t_m or t_y suffixes.
Please note that not all combinations of payment instruments and transaction types exist. This is because
they were assumed not to be possible at the time of the survey. The following table illustrates
combinations that do exist in the data and the corresponding combinations of mnemonic prefixes:
bp
abp
op
obp
ipbp
pos
op
erp
nerp
onrp
csh_erp_
csh_nerp_
csh_onrp_
csh
csh_ipbp_
chk
chk_ipbp_
chk_op_
chk_erp_
chk_nerp_
chk_onrp_
dc
dc_abp_
dc_obp_
dc_ipbp_
dc_op_
dc_erp_
dc_nerp_
dc_onrp_
cc
cc_abp_
cc_obp_
cc_ipbp_
cc_op_
cc_erp_
cc_nerp_
cc_onrp_
svc_ipbp_
svc_op_
svc_erp_
svc_nerp_
svc_onrp_
ebad_ipbp_
ebad_op_
svc
ebad
ebad_abp_
obbp_obp_
obbp
income*
mon
ebad_obp_
income_
mon_bp_
mon_pos_
tc_
tc
*Although respondents may have automatic bill payments directly deducted from their paycheck,
“income” is not treated as a payment instrument and is excluded from any assessment of payment
characteristics.
The variable tot_pay_typ is defined for each respondent as the sum of all payments made in a typical
month. The “_sh” variables express the original “typ” variable as a proportion of tot_pay_typ for that
respondent. The tables in Foster et al. (2009) describing payment shares are not computed using these
7
individually defined variables. Instead, each share denotes the total number of transactions falling under
that category as a proportion of all reported transactions, aggregated over all respondents. This differs
slightly from taking means of the _sh variables defined in this document because it weights respondents
who have a large number of transactions more heavily than respondents who have a smaller number of
transactions.
Flags:
The data contained in certain variables in this dataset are different than those in the raw dataset made
available through the RAND Corporation. These variables were cleaned based on outlier analysis done by
the staff of the CPRC at the Boston Fed. Further details of this analysis are contained in PPDP 09-10 (ref.
p. 59).
All variables of the form “f_” followed by a variable name are flags for the corresponding variables, with
a value of 1 indicating that the particular observation was identified as an outlier and cleaned by the
CPRC.
8
Non-mnemonic variables
Identifiers:
prim_key*
complete
tsstart
tsend
Unique respondent identifier
Respondent completed the survey (Y/N)
Timestamp start: date and time in string format
Timestamp end: date and time in string format
* prim_key is of the form xyyzzzz:n or xxyyzzzz:n (for 2010 onward), where x or xx is year (9 for 2009,
10 for 2010, e.g.), yy is month (08 for august, e.g.), and zzzz is just a household identifier within that
year/month. xyyzzzz and xxyyzzzz are called hhid. The number to the right of the colon is the memberid
(1, 2, ..., n) for that household. It is assigned in the order that the respondent entered the survey; only
respondents with memberid equal to 1 were originally recruited from the University of Michigan’s Survey
of Consumers or the Face to Face Internet Survey Platform. The rest are household members of the
original recruits.
Weights:
gend_age
gend_race
gend_income
gend_educ
r_weight
Interacted categories: gender and age
Interacted categories: gender and race
Interacted categories: gender and income
Interacted categories: gender and education
Post-stratification weights - from a raking procedure
These interacted category variables are used to match distributions and generate weights. The variable
r_weight is the actual weight, to be used for data analysis. For more information see the section on
Sampling Weights in Appendix B of PPDP 09-10.
Demographic variables:
age Age
edu_lhs
Education: less than high school (Y/N)
edu_hs
Education: high school (Y/N)
edu_sc
Education: some college (Y/N)
edu_c
Education: college (Y/N)
edu_pgs Education:
post-graduate studies (Y/N)
edu_mom_lhs
Mother’s education: less than high school (Y/N)
edu_mom_hs
Mother’s education: high school (Y/N)
edu_mom_sc Mother’s
education: some college (Y/N)
edu_mom_c
Mother’s education: college (Y/N)
edu_mom_pgs Mother’s
education: post-graduate studies (Y/N)
white Race:
white (Y/N)
black
Race: black/African American (Y/N)
9
asian Race:
other Race:
latino
male Male
inc_u25
inc_2549
inc_5074
inc_7599
inc_100124
inc_o125
inc_o75_nocat
married
separated
widowed
single
lf_emp
lf_retired
lf_homemaker
lf_unemp
lf_other
Asian (Y/N)
Other (Y/N)
Ethnicity: Latino or Hispanic (Y/N)
(Y/N)
Household income: under $25,000 per year (Y/N)
Household income: $25,000–49,999 per year (Y/N)
Household income: $50,000–74,999 per year (Y/N)
Household income: $75,000–99,999 per year (Y/N)
Household income: $100,000–124,000 per year
(Y/N)
Household income: over 125,000 per year (Y/N)
Household income: over 75,000 per year, but with
no information regarding how much more (Y/N)
Marital status: married (Y/N)
Marital status: separated (Y/N)
Marital status: widowed (Y/N)
Marital status: single (Y/N)
Labor force status: employed (Y/N)
Labor force status: retired (Y/N)
Labor force status: homemaker (Y/N)
Labor force status: unemployed (Y/N)
Labor force status: other (Y/N)
Other variables:
csh_wallet
csh_house
csh_person
csh_amnt
csh_month
cc_debt_revolver
cc_debt_amnt
svc_reload
as012_a
as012_b
as012_c
as012_d
as012_e
as012_f
as012_g
Amount of cash in wallet/purse (see pa015_a)
Amount of cash in house (see pa015_b)
Sum of cash in wallet/purse and cash in house
Amount of cash respondent gets most often (see
pa017)
An approximation of the amount of cash a
respondent gets in a typical month
(csh_amt times csh_freq)
Respondent revolves cc debt (Y/N)
Amount of revolving cc debt
Respondent reloaded svc in last 12 months (Y/N)
Rating on: acceptance for payment
Rating on: acquisition and setup
Rating on: control over payment timing
Rating on: cost
Rating on: ease of use
Rating on: security
Rating on: payment speed
10
as012_h
fl_pu012
fl_pu013
fl1_pu017
Rating on: payment records
Survey fill for how payment methods have changed
over the past 1 or 3 years
Survey fill for how respondent expects payment
methods to change over the next 1 or 3 years
Survey fill for check charge, either 5, 10, 25, or 50
cents
Unwound variables:
as003a1
as003a2
as003a3
Rating for cost of cash, equivalent to csh_cost
Rating for speed of cash, equivalent to csh_speed
Rating for acquisition and set up of cash,
equivalent to csh_setup
as003a4
Rating for security of cash, equivalent to
csh_security
as003a5
Rating for control over payment timing of cash,
equivalent to csh_control
as003a6
Rating for payment records of cash, equivalent to
csh_records
as003a7
Rating for acceptance of cash, equivalent to
csh_acceptance
as003a8
Rating for ease of use of cash, equivalent to
csh_ease
as003b1–as003b8 Sam
e characteristics as above, except for check
as003c1–as003c8 Sam
e characteristics as above, except for debit card
as003d1–as003d8
Same characteristics as above, except for credit
card
as003e1–as003e8
Same characteristics as above, except for prepaid
card
as003f1–as003f8 Sam
e characteristics as above, except for electronic
deduction
as011a_new
Most important payment instrument characteristic
1 = Acceptance
2 = Acquisition and set up
3 = Control over payment timing
4 = Cost
5 = Ease of use
6 = Security
7 = Speed
8 = Records
as011b_new
Least important payment instrument characteristic
(same response categories as as011a_new)
ph005n1
Ever entered online: Account number (Y/N)
ph005n2
Ever entered online: Address (Y/N)
ph005n3
Ever entered online: Credit card number (Y/N)
ph005n4
Ever entered online: Debit card number (Y/N)
11
ph005n5
ph005n6
ph005n7
ph014_new
Ever entered online: Mother’s maiden name (Y/N)
Ever entered online: Phone number (Y/N)
Ever entered online: Social Security Number (Y/N)
Unwound response to ph014
Frequency converted payment use variables:
pa018
csh_freq
pa023
svc_reload_freq
pu002_a
pu002_b
pu002_c
pu002_d
pu003_a
pu003_b
pu003_c
pu003_d
pu004_a
pu004_b
pu004_c
pu004_d
pu004_e
pu005_a
pu005_b
pu005_c
pu005_d
How often respondent gets cash, aggregated to
monthly frequency
How often respondent gets cash, aggregated to
monthly frequency (pa018, with cleaned outliers)
How often respondent reloads svc, aggregated to
monthly frequency
How often respondent reloads svc, aggregated to
monthly frequency (see pa023, cleaned outliers)
Total number of abp made using dc, aggregated to
monthly frequency
Total number of abp made using cc, aggregated to
monthly frequency
Total number of abp made using ebad, aggregated
to monthly frequency
Total number of abp made using income,
aggregated to monthly frequency
Total number of obp made using dc, aggregated to
monthly frequency
Total number of obp made using cc, aggregated to
monthly frequency
Total number of obp made using ebad, aggregated
to monthly frequency
Total number of obp made using obbp, aggregated
to monthly frequency
Total number of ipbp made using cash, aggregated
to monthly frequency
Total number of ipbp made using chk, aggregated
to monthly frequency
Total number of ipbp made using dc, aggregated to
monthly frequency
Total number of ipbp made using cc, aggregated to
monthly frequency
Total number of ipbp made using svc, aggregated
to monthly frequency
Total number of op made using chk, aggregated to
monthly frequency
Total number of op made using dc, aggregated to
monthly frequency
Total number of op made using ebad, aggregated to
monthly frequency
Total number of op made using cc, aggregated to
monthly frequency
12
pu005_e
pu006a_a
pu006a_b
pu006a_c
pu006a_d
pu006a_e
pu006b_a
pu006b_b
pu006b_c
pu006b_d
pu006b_e
pu006c_a
pu006c_b
pu006c_c
pu006c_d
pu006c_e
pu008_a
pu008_b
pu008_c
pu003
pu004
pu005
pu006a
pu006b
pu006c
Total number of op made using svc, aggregated to
monthly frequency
Total number of erp made using cash, aggregated
to monthly frequency
Total number of erp made using chk, aggregated to
monthly frequency
Total number of erp made using dc, aggregated to
monthly frequency
Total number of erp made using cc, aggregated to
monthly frequency
Total number of erp made using svc, aggregated to
monthly frequency
Total number of nerp made using cash, aggregated
to monthly frequency
Total number of nerp made using chk, aggregated
to monthly frequency
Total number of nerp made using dc, aggregated to
monthly frequency
Total number of nerp made using cc, aggregated to
monthly frequency
Total number of nerp made using svc, aggregated
to monthly frequency
Total number of onrp made using cash, aggregated
to monthly frequency
Total number of onrp made using chk, aggregated
to monthly frequency
Total number of onrp made using dc, aggregated to
monthly frequency
Total number of onrp made using cc, aggregated to
monthly frequency
Total number of onrp made using svc, aggregated
to monthly frequency
Total number of bp made using mon, aggregated to
monthly frequency
Total number of pos made using mon, aggregated
to monthly frequency
Total number of payments made using tc,
aggregated to monthly frequency
Total number of obp, aggregated to monthly
frequency
Total number of ipbp, aggregated to monthly
frequency
Total number of op, aggregated to monthly
frequency
Total number of erp, aggregated to monthly
frequency
Total number of nerp, aggregated to monthly
frequency
Total number of onrp, aggregated to monthly
frequency
13
Frequency converted payment adoption variables:
pa028_a
pa028_b
pa028_c
pa028_d
pa028_e
pa028_f
pa028_g
pa028_h
pa028_i
pa028_j
How long ago respondent first adopted chk_acnt
How long ago respondent first adopted dc
How long ago respondent first adopted atm
How long ago respondent first adopted cc
How long ago respondent first adopted svc
How long ago respondent first adopted abp
How long ago respondent first adopted ob
How long ago respondent first adopted obbp
How long ago respondent first adopted mb
How long ago respondent first adopted tb
Recall that the difference between these “intermediate” frequency converted variables and the
corresponding “mnemonic-based” variables is that the latter accounts for payment instrument adoption in
the way missing values are coded. Payment use variables for non-adopters are adjusted to 0 instead of
missing.
This document officially concludes with a brief “quiz” on the following page. The quiz is followed by
RAND Household Information (10 pages) and the 2008 SCPC Questionnaire, in that order.
Enjoy!
14
Using this dataset
A data user should be able to re-create the results from PPDP 09-10 with the data set in this release. To
confirm that you treat this data the same way as in PPDP 09-10, we suggest that you attempt to re-create
the tables in the release. Table 14 from PPDP 09-10, reproduced below, is a particularly straightforward
table with which to begin (and possibly end) this exercise. The table is composed of incidences of use for
various payment instruments and categories. The reloading of prepaid cards, however, follows a slightly
different convention and is described under the heading of “other variables” in this document.
Table 14
Incidence of Use of Payment Instruments
Percentage of consumers
Monthly
Annual
95.1 96.3
Paper instruments
Cash
Check or money order
Travelers check
86.5
83.0
0.5
88.9
87.5
4.7
89.2 90.2
Payment cards
Debit
Credit
Prepaid
Prepaid card reloading
All consumers
Prepaid card adopters only
67.0
68.9
5.9
69.0
72.8
8.7
na
na
5.3
31.0
73.9 76.3
Other payment instruments
Online banking bill payment
Electronic bank account deduction
Direct deduction from income
15
33.7
70.6
35.5
73.4
18.6
19.4
Household information (MS 90001)
IN001 INTRODUCTION
Our goal is to improve policymaking by informing decision makers about how the public is responding to
policy changes and life changes. You are part of a randomly selected sample, especially chosen to represent
the U.S. both geographically and demographically. To make sure that this selection process is working
properly, we would like you to complete this short questionnaire about your household, your background,
and your work. By keeping this information current, we will be able to compare our panel to U.S. Census
data. This will ensure that our results accurately reflect what is happening across the nation. We will also be
able to assess how different types of households are affected by policy changes and life changes. In the
future when you login, we will ask you to update us about any important changes to your household or your
work as described in this questionnaire.
gender GENDER
What is your gender?
1 Male
2 Female
[Questions IN002 to birthyear are displayed as a table]
IN002 BIRTH DATE HEADER
What is your birth date?
birthmonth BIRTH MONTH
Month
1 January - 12 December
birthday BIRTH DAY
Day
1 01 - 31 31
birthyear BIRTH YEAR
Year
11 1911 - 99 1999
statereside STATE RESIDE
Now we would like to know about where you live. In which state do you reside?
1 ALASKA (AK) - 52 PUERTO RICO
borninus BORN IN US
Were you born in the United States?
1 Yes
2 No
IF BORN IN US = Yes THEN
|
| stateborn STATE BORN
| In what state were you born?
| 1 ALASKA (AK) - 52 PUERTO RICO
|
ENDIF
citizenus CITIZEN US
Are you a citizen of the United States?
1 Yes
2 No
currentlivingsituation CURRENT LIVING SITUATION
Could you tell us what your current living situation is?
1 Married or living with a partner
2 Separated
3 Divorced
4 Widowed
5 Never married
highesteducation HIGHEST EDUCATION
What is the highest level of school you have completed or the highest degree you have received?
1 Less than 1st grade
2 1st,2nd,3rd,or 4th grade
3 5th or 6th grade
4 7th or 8th grade
5 9th grade
6 10th grade
7 11th grade
8 12th grade NO DIPLOMA
9 HIGH SCHOOL GRADUATE high school DIPLOMA or the equivalent (For example: GED)
10 Some college but no degree
11 Associate degree in college Occupational/vocational program
12 Associate degree in college Academic program
13 Bachelor's degree (For example: BA,AB,BS)
14 Master's degree (For example: MA,MS,MEng,MEd,MSW,MBA)
15 Professional School Degree (For example: MD,DDS,DVM,LLB,JD)
16 Doctorate degree (For example: PhD,EdD)
hispaniclatino HISPANIC LATINO
Do you consider yourself Hispanic or Latino?
1 Yes
2 No
IF HISPANIC LATINO = Yes THEN
|
| mexican MEXICAN
| Would you say that you are Mexican American, Puerto Rican, Cuban, or something else? [Check all that
| apply]
| 1 Mexican American
| 2 Puerto Rican
| 3 Cuban
| 4 Something else
|
ENDIF
white WHITE
Do you consider yourself primarily white or Caucasian, Black or African American, American Indian, or
Asian?
1 White/Caucasian
2 Black/African American
3 American Indian or Alaskan Native
4 Asian or Pacific Islander
5 Other
IF WHITE = Other THEN
|
| whiteother WHITE OTHER
| Please specify.
| String
|
ENDIF
currentjobstatus CURRENT JOB STATUS
What is your current employment situation?
1 Working Now
2 Unemployed and looking for work
3 Temporarily laid off, on sick or other leave
4 Disabled
5 Retired
6 Homemaker
7 Other
IF Other IN CURRENT JOB STATUS THEN
|
| currentjobstatusother CURRENT JOB STATUS OTHER
| Please specify.
| String
|
ENDIF
IF Working Now IN CURRENT JOB STATUS THEN
|
| doyouwork DO YOU WORK
| Next are some questions about your current, main job. Do you work for someone else, are
| you self-employed, or what?
| 1 Work for someone else
| 2 Self-employed
| 3 Other
|
| typework TYPE WORK
| Which of the following categories best describes the type of work you [DO/DID]?
| 1 Management Occupations
| 2 Business and Financial Operations Occupations
| 3 Computer and Mathematical Occupations
| 4 Architecture and Engineering Occupations
| 5 Life, Physical, and Social Science Occupations
| 6 Community and Social Services Occupations
| 7 Legal Occupations
| 8 Education, Training, and Library Occupations
| 9 Arts, Design, Entertainment, Sports, and Media Occupations
| 10 Healthcare Practitioner and Technical Occupations
| 11 Healthcare Support Occupations
| 12 Protective Service Occupations
| 13 Food Preparation and Serving Related Occupations
| 14 Building and Grounds Cleaning and Maintenance Occupations
| 15 Personal Care and Service Occupations
| 16 Sales and Related Occupations
| 17 Office and Administrative Support Occupations
| 18 Farming, Fishing, and Forestry Occupations
| 19 Construction and Extraction Occupations
| 20 Installation, Maintenance, and Repair Occupations
| 21 Production Occupations
| 22 Transportation and Material Moving Occupations
|
ELSE
|
| IF Unemployed and looking for work IN CURRENT JOB STATUS OR Temporarily laid off, on sick or
| other leave IN CURRENT JOB STATUS OR Disabled IN CURRENT JOB STATUS OR Retired IN
| CURRENT JOB STATUS THEN
||
| | typework TYPE WORK
| | Which of the following categories best describes the type of work you [DO/DID]?
| | 1 Management Occupations
| | 2 Business and Financial Operations Occupations
| | 3 Computer and Mathematical Occupations
| | 4 Architecture and Engineering Occupations
| | 5 Life, Physical, and Social Science Occupations
| | 6 Community and Social Services Occupations
| | 7 Legal Occupations
| | 8 Education, Training, and Library Occupations
| | 9 Arts, Design, Entertainment, Sports, and Media Occupations
| | 10 Healthcare Practitioner and Technical Occupations
| | 11 Healthcare Support Occupations
| | 12 Protective Service Occupations
| | 13 Food Preparation and Serving Related Occupations
| | 14 Building and Grounds Cleaning and Maintenance Occupations
| | 15 Personal Care and Service Occupations
| | 16 Sales and Related Occupations
| | 17 Office and Administrative Support Occupations
| | 18 Farming, Fishing, and Forestry Occupations
| | 19 Construction and Extraction Occupations
| | 20 Installation, Maintenance, and Repair Occupations
| | 21 Production Occupations
| | 22 Transportation and Material Moving Occupations
||
| ENDIF
|
ENDIF
householdmembers HOUSEHOLD MEMBERS
Now we would like to know about other members of your household, if there are any. [/PREVIOUSLY YOU
INDICATED THAT YOU LIVE WITH YOUR] How many other people live with you [/OTHER THAN
YOUR SPOUSE OR PARTNER]? (enter 0 for no one else).
Range: 0..10
IF HOUSEHOLD MEMBERS > 0 or (HOUSEHOLD MEMBERS = 0 and CURRENT LIVING
SITUATION = Married or living with a partner) THEN
|
| [Questions IN005 to dummytableend are displayed as a table]
|
| IN005 RELATED HEADER
| Now, please tell us how each person is related to you, as well as indicating the age and gender. [/PLEASE
| USE THE FIRST LINE FOR YOUR SPOUSE OR PART]
|
| relatedrelation RELATION
| Relation
| String
|
| relatedage RELATION AGE
| Age
| Range: 0..120
|
| relatedgender RELATION GENDER
| Gender
| 1 Male
| 2 Female
|
| IF HOUSEHOLD MEMBERS > Married or living with a partner or (HOUSEHOLD MEMBERS = Married
| or living with a partner and CURRENT LIVING SITUATION = Married or living with a partner) THEN
||
| | relatedrelation RELATION
| | Relation
| | String
||
| | relatedage RELATION AGE
| | Age
| | Range: 0..120
||
| | relatedgender RELATION GENDER
| | Gender
| | 1 Male
| | 2 Female
||
| ENDIF
|
| IF HOUSEHOLD MEMBERS > 2 or (HOUSEHOLD MEMBERS = 2 and CURRENT LIVING
| SITUATION = Married or living with a partner) THEN
||
| | relatedrelation RELATION
| | Relation
| | String
||
| | relatedage RELATION AGE
| | Age
| | Range: 0..120
||
| | relatedgender RELATION GENDER
| | Gender
| | 1 Male
| | 2 Female
||
| ENDIF
|
| IF HOUSEHOLD MEMBERS > 3 or (HOUSEHOLD MEMBERS = 3 and CURRENT LIVING
| SITUATION = Married or living with a partner) THEN
||
| | relatedrelation RELATION
| | Relation
| | String
||
| | relatedage RELATION AGE
| | Age
| | Range: 0..120
||
| | relatedgender RELATION GENDER
| | Gender
| | 1 Male
| | 2 Female
||
| ENDIF
|
| IF HOUSEHOLD MEMBERS > 4 or (HOUSEHOLD MEMBERS = 4 and CURRENT LIVING
| SITUATION = Married or living with a partner) THEN
||
| | relatedrelation RELATION
| | Relation
| | String
||
| | relatedage RELATION AGE
| | Age
| | Range: 0..120
||
| | relatedgender RELATION GENDER
| | Gender
| | 1 Male
| | 2 Female
||
| ENDIF
|
| IF HOUSEHOLD MEMBERS > 5 or (HOUSEHOLD MEMBERS = 5 and CURRENT LIVING
| SITUATION = Married or living with a partner) THEN
||
| | relatedrelation RELATION
| | Relation
| | String
||
| | relatedage RELATION AGE
| | Age
| | Range: 0..120
||
| | relatedgender RELATION GENDER
| | Gender
| | 1 Male
| | 2 Female
||
| ENDIF
|
| IF HOUSEHOLD MEMBERS > 6 or (HOUSEHOLD MEMBERS = 6 and CURRENT LIVING
| SITUATION = Married or living with a partner) THEN
||
| | relatedrelation RELATION
| | Relation
| | String
||
| | relatedage RELATION AGE
| | Age
| | Range: 0..120
||
| | relatedgender RELATION GENDER
| | Gender
| | 1 Male
| | 2 Female
||
| ENDIF
|
| IF HOUSEHOLD MEMBERS > 7 or (HOUSEHOLD MEMBERS = 7 and CURRENT LIVING
| SITUATION = Married or living with a partner) THEN
||
| | relatedrelation RELATION
| | Relation
| | String
||
| | relatedage RELATION AGE
| | Age
| | Range: 0..120
||
| | relatedgender RELATION GENDER
| | Gender
| | 1 Male
| | 2 Female
||
| ENDIF
|
| IF HOUSEHOLD MEMBERS > 8 or (HOUSEHOLD MEMBERS = 8 and CURRENT LIVING
| SITUATION = Married or living with a partner) THEN
||
| | relatedrelation RELATION
| | Relation
| | String
||
| | relatedage RELATION AGE
| | Age
| | Range: 0..120
||
| | relatedgender RELATION GENDER
| | Gender
| | 1 Male
| | 2 Female
||
| ENDIF
|
| IF HOUSEHOLD MEMBERS > 9 or (HOUSEHOLD MEMBERS = 9 and CURRENT LIVING
| SITUATION = Married or living with a partner) THEN
||
| | relatedrelation RELATION
| | Relation
| | String
||
| | relatedage RELATION AGE
| | Age
| | Range: 0..120
||
| | relatedgender RELATION GENDER
| | Gender
| | 1 Male
| | 2 Female
||
| ENDIF
|
| dummytableend DUMMY
| End of householdmember table
|
ENDIF
familyincome FAMILY INCOME
Which category represents the total combined income of all members of your family (living here) during the
past 12 months? This includes money from jobs, net income from business, farm or rent, pensions, dividends,
interest, social security payments and any other money income received by members of your family who are
15 years of age or older.
1 Less than $5,000
2 $5,000 to $7,499
3 $7,500 to $9,999
4 $10,000 to $12,499
5 $12,500 to $14,999
6 $15,000 to $19,999
7 $20,000 to $24,999
8 $25,000 to $29,999
9 $30,000 to $34,999
10 $35,000 to $39,999
11 $40,000 to $49,999
12 $50,000 to $59,999
13 $60,000 to $74,999
14 $75,000 or more
IF FAMILY INCOME = $75,000 or more THEN
|
| familyincome_part2 FAMILY INCOME PART 2
| You told us that the total combined income of all members of your family (living here) during the preceding
| 12 months was more than $75,000. Thinking about the total combined income of your family from all
| sources, approximately how much did members of your family receive during the previous 12 months?
| 1 $75,000-$99,999
| 2 $100,000-$124,999
| 3 $125,000-$199,999
| 4 $200,000 or more
|
ENDIF
internetlocation INTERNET LOCATION
Finally, we would like to know how you are communicating with us. From what location are you currently
connected to the Internet?
1 Home
2 Work
3 Internet cafe, library, etc.
4 Elsewhere
IF INTERNET LOCATION = Elsewhere THEN
|
| internetlocationother INTERNET LOCATION OTHER
| Please specify.
| String
|
ENDIF
internettypeconnection INTERNET TYPE CONNECTION
What type of internet connection do you have at that location?
1 Dial-up modem (via personal computer or internet player)
2 Cable modem
3 DSL
4 Satellite dish
5 Local network
6 Other connection
7 Don't know
IF INTERNET TYPE CONNECTION = Dial-up modem (via personal computer or internet player) THEN
|
| typemodem TYPE MODEM
| What type of modem do you use to connect to the internet?
| 1 14.4k modem
| 2 28.8k modem
| 3 33.6k modem
| 4 56k mmodem
| 5 Don't know
|
ENDIF
email EMAIL
If you have a new email address, please enter it here. Otherwise, leave this box blank.
String
comments COMMENTS
Thank you very much for telling us about your household. If you have any comments, you can
type them in the box below.
Memo
2008 Survey of Consumer Payment Choice (9/16/2008)
2008 SCPC Questions
RAND American Life Panel MS15 and “My Household Questionnaire”
September 16, 2008
Preliminaries (related to MHQ)
If calcage = empty then
(IN002) What is your birth date?
o (birthmonth) Range of Months: January‐December
o (birthday) Range of Days: 1‐31
o (birthyear) Range of years: 1911‐1999
end if
If internetlocation = empty then
(internetlocation) We would like to know how you are communicating with us. From what
location are you currently connected to the internet?
o 1 Home
o 2 Work
o 3 Internet café, library, etc.
o 4 Elsewhere
end if
If familyincome = empty then
(familyincome) Which Category represents the total combined income of all members of your family
(living here) during the past 12 months? This includes money from jobs, net income from business, farm
or rent, pensions, dividends, interest, social security payments and any other money income received by
members of your family who are 15 years of age or older.
o 1 Less than $5,000
o 2 $5,000‐$7,499
o 3 $7,500‐$9,999
o 4 $10,000‐$12,499
o 5 $12,500‐$14,999
o 6 $15,000‐$19,999
o 7 $20,000‐$24,999
o 8 $25,000‐$29,999
o 9 $30,000‐$34,999
o 10 $35,000‐$39,999
o 11 $40,000‐$49,999
o 12 $50,000‐$59,999
o 13 $60,000‐$74,999
o 14 $75,000 or more
end if
(surveyintro) Thank you for taking this survey. We are studying consumer preferences. This survey asks
questions about payment choices you make for purchases and bill paying. As always, your answers are collected
anonymously and will never be linked to your name. Please keep the following in mind: Answer for yourself
unless instructed to answer for your entire household. Do not include any business‐related payments in your
answers. CLICK on any underlined word to see its definition. Try to answer all questions the best you can, even if:
*You are unsure of your answer.* You do not have or use the payment method.
I.
Financial Responsibility (FR)
(FR001_intro) First, help us to understand your role in the financial activity of your household.
©2008‐2009 Federal Reserve Bank of Boston.
1
2008 Survey of Consumer Payment Choice (9/16/2008)
In your household, how much responsibility do you have for these tasks? Check one per row only.
1 None or
almost none
2 Some
3 Shared
equally with
other
household
members
4 Most
5 All or almost
all
(FR001_a)
Budgeting &
managing
income
(FR001_b)
Paying bills
(FR001_c)
Shopping
(FR001_d)
Investing &
managing
assets
Now we will ask your opinions about the main payment methods in use today:
Cash
Check
Debit Card
Prepaid card
Electronic bank account deduction
You may not have or use all of these payment methods. That’s okay, but it is very
important to know the opinions of both users and non‐users.
For each question, please rate the characteristics of all payment methods on a scale from 1 to 5 where 1 is the
least desirable and 5 is the most desirable. Each characteristic has its own written description of the rating scale.
II.
Assessment of Characteristics (AS)
This section has 8 randomized payment characteristics. Each of the 6 payment instruments appears in each
payment instrument as AS003_a{n} to AS003_f{n} where 1 <= n <= 8 and n is the ID number for a certain payment
characteristic.
SECURITY
Suppose a payment method has been stolen, misused, or accessed without the owner’s permission. Rate the
security of each method against permanent financial loss or unwanted disclosure of personal information.
Please choose one answer in each row for all payment methods.
1
2
3
Very Risky
Risky
Neither risky nor
secure
AS003_a{.}
Cash
©2008‐2009 Federal Reserve Bank of Boston.
2
4
Secure
5
Very Secure
2008 Survey of Consumer Payment Choice (9/16/2008)
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Electronic
Deduction
ACQUISITION & SET UP
Rate the task of getting or setting up each payment method before you can use it.
Examples: length of time, paperwork, learning to use or install it, or travel.
Please choose one answer in each row for all payment methods.
1
Very hard to get
or set up
2
Hard to get or
set up
3
Neither hard nor
easy
4
Easy to get or
set up
5
Very easy to get
or set up
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Electronic
Deduction
ACCEPTANCE FOR PAYMENT
Rate how likely each payment method is to be accepted for payment by stores, companies, online merchants, and
other people or organizations.
Please choose one answer in each row for all payment methods.
1
Rarely accepted
2
Occasionally
accepted
3
Often accepted
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
©2008‐2009 Federal Reserve Bank of Boston.
3
4
Usually accepted
5
Almost always
accepted
2008 Survey of Consumer Payment Choice (9/16/2008)
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Electronic
Deduction
COST
Rate the cost of using each payment method.
Examples: fees, penalties, postage, interest paid or lost, subscriptions, or materials raise the cost; cash discounts
and rewards (like frequent flyer miles) reduce the cost.
Please choose one answer in each row for all payment methods.
1
2
3
Very high cost
High cost
Neither high nor
low cost
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Electronic
Deduction
4
Low cost
5
Very low cost
CONTROL OVER PAYMENT TIMING
Rate the control each payment method offers over the timing of the actual payment and the deduction of funds
from a bank account.
Examples: date of payment, time of payment, flexibility to change the date or timing of payment, grace periods,
float.
Please choose one answer in each row for all payment methods.
1
Very low control
2
Low control
3
Neither low nor
high control
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
©2008‐2009 Federal Reserve Bank of Boston.
4
4
High control
5
Very high
control
2008 Survey of Consumer Payment Choice (9/16/2008)
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Electronic
Deduction
PAYMENT RECORDS
Rate the quality of records (paper or electronic) offered by each payment method.
Examples: proof of purchase, account balances, spending history, usefulness in error or dispute resolution, or ease
of storage.
Please choose one answer in each row for all payment methods.
1
Very poor
records
2
Poor records
3
Neither good
nor poor
4
Good records
5
Very good
records
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Electronic
Deduction
PAYMENT SPEED
Rate the speed of each payment method during a payment transaction. Do not include delays unrelated to the
actual use of the payment, such as waiting in line.
Please choose one answer in each row for all payment methods.
1
Very slow
2
Slow
3
Neither slow nor
fast
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
©2008‐2009 Federal Reserve Bank of Boston.
5
4
Fast
5
Very Fast
2008 Survey of Consumer Payment Choice (9/16/2008)
AS003_f{.}
Electronic
Deduction
EASE OF USE
Rate the ease of use of each payment method.
Examples: effort to carry, physical requirements at time of payment, or ability to keep or store.
Please choose one answer in each row for all payment methods.
1
Very hard to use
2
Hard to use
3
Neither hard nor
easy to use
4
Easy to use
5
Very easy to use
AS003_a{.}
Cash
AS003_b{.}
Check
AS003_c{.}
Debit card
AS003_d{.}
Credit card
AS003_e{.}
Prepaid card
AS003_f{.}
Electronic
Deduction
We have just asked you to rate different payment methods according to 8 different characteristics. Now, we would
like you to think about how important these characteristics are to you when you decide which payment methods
to use.
The payment characteristics for the following questions are randomized
(AS011a) If you have to choose just one, which of the following characteristics is the MOST important to
you:
o Security
o Control over Payment Timing
o Acquisition & Set up
o Cost
o Records
o Acceptance for Payment
o Ease of Use
o Speed
(AS011b) If you have to choose just one, which of the following characteristics is the LEAST important to
you:
o Security
o Control over Payment Timing
o Acquisition & Set up
o Cost
o Records
o Acceptance for Payment
©2008‐2009 Federal Reserve Bank of Boston.
6
2008 Survey of Consumer Payment Choice (9/16/2008)
o
o
Ease of Use
Speed
(AS012_Intro) Now please rate each of the remaining payment characteristics on a scale of 1 to 10 in
order to describe how important each characteristic is relative to the others. In doing so, keep in mind
that your most important characteristic— (what was chosen 2 questions prior) is a 10 and your least
important characteristic(what was chosen in the last question)—is a 1, so your answers should lie in
between (but ties are okay).
*A table is created with the remaining 6 variables for respondent to rate from 1 to 10*AS012_a,
AS012_b, AS012_c, AS012_d, AS012_e, AS012_f, AS012_g, AS012_h, subtract out
the two variables chosen in AS011a and AS011b
III.
Payment Adoption (PA)
Now we will ask questions about which payments methods you have.
How many of these bank accounts do you have?
If none, please enter 0.
o (PA001_a) Number of checking accounts
o (PA001_b) Number of savings accounts
IF PA001_a > 0 THEN
CHKADOPTER := 1
else
CHKADOPTER := 0
ENDIF
IF PA001_b > 0 THEN
SAVADOPTER := 1
else
SAVADOPTER := 0
ENDIF
IF PA001_a > 0 OR PA001_b > 0 THEN
BAADOPTER := 1
else
BAADOPTER := 0
ENDIF
If chkadopter = 0 then
(PA002_intro)Why don’t you have a checking account? Please choose up to 3 reasons, Rank 1 for
the most important, 2 for the second most important, and 3 for the third most important.
o (PA002_a) I don’t write enough checks to make it worthwhile
o (PA002_b) The minimum balance is too high
o (PA002_c) I don’t like dealing with banks
o (PA002_d) The fees and service charges are too high
o (PA002_e) I cannot manage or balance a checking account
o (PA002_f) No bank has convenient hours or location
©2008‐2009 Federal Reserve Bank of Boston.
7
2008 Survey of Consumer Payment Choice (9/16/2008)
o
o
o
o
o
o
o
o
(PA002_g) I do not have enough money
(PA002_h) I have or (had) credit problems
(PA002_i) I have privacy concerns
(PA002_j) I have security concerns
(PA002_k) I do not need/want an account
(PA002_l) I cannot get an account from any bank
(PA002_m) I have a savings account that meets all of my banking needs
(PA002_n) Other (explain)
(PA002_other)
(PA003) Have you ever had a checking account in the past?
o 1 Yes
o 2 No
IF PA003 = 1 THEN
CHKEVER := 1
else
CHKEVER := 0
ENDIF
ENDIF
SAVEVER := 0
if SAVADOPTER = 0 then
(NEWSAV) Have you ever had a savings account in the past?
o 1 Yes
o 2 No
if NEWSAV = 1 then
SAVEVER := 1
else
SAVEVER := 0
endif
endif
if (CHKEVER = 1 or SAVEVER = 1) then
BAEVER := 1
else
BAEVER := 0
endif
DCADOPTER := 0
ATMADOPTER := 0
ATMONLYADOPTER := 0
TBADOPTER := 0
OBADOPTER := 0
OBBPADOPTER := 0
DCEVER := 0
ATMEVER := 0
ATMONLYEVER := 0
TBEVER := 0
OBEVER := 0
OBBPEVER := 0
©2008‐2009 Federal Reserve Bank of Boston.
8
2008 Survey of Consumer Payment Choice (9/16/2008)
if BA_Adopter = 0 then
if (chkever = 1 or savever = 1) then
(PA010) Have you ever had a debit card in the past?
o 1 Yes
o 2 No
if PA010 = 1 then
DCEVER := 1
ATMEVER := 1
else
DCEVER := 0
ATMEVER := 0
endif
(PA009) Have you ever had an ATM card only (these are not debit cards) in the past?
o 1 Yes
o 2 No
if PA009 = 1 then
ATMEVER := 1
if PA010 = 2 then
ATMONLYEVER := 1
else
ATMONLYEVER := 0
endif
else
ATMEVER := 0
endif
(NEWTB) Have you ever had telephone banking in the past?
o 1 Yes
o 2 No
if NEWTB = 1 then
TBEVER := 1
else
TBEVER := 0
endif
(NEWOB) Have you ever had online banking in the past?
o 1 Yes
o 2 No
if NEWOB = 1 then
OBEVER := 1
else
OBEVER := 0
endif
(NEWOBBP) Have you ever had online banking bill payment in the past?
o 1 Yes
o 2 No
©2008‐2009 Federal Reserve Bank of Boston.
9
2008 Survey of Consumer Payment Choice (9/16/2008)
if NEWOBBP = 1 then
OBBPEVER := 1
else
OBBPEVER := 0
endif
ENDIF
ENDIF *ending if (chkever = 1 or savever = 1);
*ending if BA_Adopter = 0;
if BA_Adopter != 0 then
(PA008_Intro) How many debit cards and/or ATM cards do you have?
If none, please enter 0.
o (PA008_a) Number of debit cards (these are also ATM cards):
o (PA008_b) Number of ATM cards only (these are not debit cards):
if PA008_a > 0 then
DCADOPTER := 1
ATMADOPTER := 1
else
DCADOPTER := 0
ATMADOPTER := 0
(PA010) Have you ever had a debit card in the past?
o 1 Yes
o 2 No
if PA010 = 1 then
DCEVER := 1
ATMEVER := 1
else
DCEVER := 0
ATMEVER := 0
endif
endif
if PA008_b > 0 then
ATMADOPTER := 1
if PA008_a = 0 then
ATMONLYADOPTER := 1
else
ATMONLYADOPTER := 0
endif
else
ATMADOPTER := 0
(PA009) Have you ever had an ATM card only (these are not debit cards) in the past?
o 1 Yes
o 2 No
if PA009 = 1 then
ATMEVER := 1
else
ATMEVER := 0
©2008‐2009 Federal Reserve Bank of Boston.
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endif
endif
if (PA008_a > 0 or PA008_b > 0) then
(PA011) Do any of your debit cards or ATM cards give rewards?
o 1 Yes
o 2 No
Endif
(PA012)Have you set up access to telephone banking with any of your bank account(s)?
NOTE: This is not mobile banking
o 1 Yes
o 2 No
if PA012 = 1 then
TBADOPTER := 1
else
TBADOPTER := 0
(NEWTB) Have you ever had telephone banking in the past?
o 1 Yes
o 2 No
if NEWTB = 1 then
TBEVER := 1
else
TBEVER := 0
endif
endif
(PA013) Have you set up access to online banking with any of your bank account(s)?
o 1 Yes
o 2 No
if PA013 = 1 then
OBADOPTER := 1
(PA014) Have you set up access to the online bill payment function of your bank’s online
banking?
o 1 Yes
o 2 No
if PA014 = 1 then
OBBPADOPTER := 1
else
OBBPADOPTER := 0
(NEWOBBP) Have you ever had online banking bill payment in the past?
o 1 Yes
o 2 No
if NEWOBBP = 1 then
OBBPEVER := 1
else
OBBPEVER := 0
endif
endif
else
OBADOPTER := 0
(NEWOB) Have you ever had online banking in the past?
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
o 1 Yes
o 2 No
if NEWOB = 1 then
OBEVER := 1
else
OBEVER := 0
endif
endif
if CHKADOPTER = 1 then
(PA004) Does your primary checking account earn interest?
o 1 Yes
o 2 No
o 3 I don’t know
(PA006) At what type of bank is your primary checking account?
o 1 Large national or international commercial bank
o 2 Small local or regional commercial bank
o 3 Savings and loan
o 4 Credit union
o 5 Internet bank
o 6 Other:
(PA006_other) (please specify)_______
Endif
If SAVADOPTER = 1 then
(PA007) At what type of bank is your primary savings account?
o 1 Large national or international commercial bank
o 2 Small local or regional commercial bank
o 3 Savings and loan
o 4 Credit union
o 5 Internet bank
o 6 Other:
(PA007_other) (please specify)_______
Endif
If (CHKADOPTER = 1 and SAVADOPTER = 1) then
(PA005) Is your primary checking account (the one you use most often) linked to one of your
savings accounts at the same bank to allow your bank to transfer money between accounts
when you overdraw your account? (This feature is called overdraft protection)
o 1 Yes
o 2 No
o 3 I don’t know
Endif
Endif
*if BA_Adopter != 0;
(PA015_Intro) About how much cash do you have (do not include cash that other members of your
household might have)…
o (PA015_a) …in your wallet, purse, and/or pocket? About $____.00
o (PA015_b)…elsewhere in your home, car, office, etc? About $____.00
(PA016_intro)When you get cash, where do you most often get it? Please rank up to three sources. Rank
1 for the most common, 2 for the second most, and 3 for the third most.
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
Location
Automated Teller Machine (ATM)
Bank Teller
Check cashing store
Retail or Grocery store
Employer
Family, friend, or other household
member
Other:
Specify_(PA016_other)_______
Method
(PA016_a)ATM/Debit card
(PA016_b)Making an account withdrawal
(PA016_c)Cashing a personal check
(PA016_d)Cashing a paycheck
(PA016_e)Cashing a personal check
(PA016_f)Cashing a paycheck
(PA016_g)Cash back from an ATM/debit card
(PA016_h)Cashing a personal check
(PA016_i)Cashing a paycheck
(PA016_j)Cashing all or part of a paycheck
(PA016_k)Receive pay in cash
(PA016_l)Cashing a personal check
(PA016_m)
Ranking (1,2,3)
(PA016_n)
(PA017) When you get cash, what amount do you get most often? If you never get cash, please enter 0.
o $______.00
(PA018_intro)In a typical period (week, month, or year), how often do you get cash? If never, please
enter 0 in any box.
(PA018_a)______time(s) per
(PA018_b)_____time(s) per
(PA018_c)______time(s) per
week
month
year*
(PA018_asterisk)*Use this frequency if you typically get cash fewer than once a month
CCADOPTER := 0
(PA019_intro)How many credit cards do you have?
If none, please enter 0.
o (PA019_a)Number of credit cards that give rewards
o (PA019_b)Number of credit cards that do not give rewards
IF PA019_a > 0 OR PA019_b > 0 THEN
CCADOPTER := 1
ENDIF
IF PA019_a = 0 AND PA019_b = 0 THEN
(PA020) Have you ever had a credit card in the past?
o 1 Yes
o 2 No
CCEVER := 0
IF PA020 = 1 THEN
CCEVER := 1
ENDIF
ENDIF
PCADOPTER := 0
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
PCEVER := 0
(PA021_intro) How many prepaid cards do you currently have?
If none, please enter 0.
o (PA021_a)Number of prepaid cards I bought for my own use
o (PA021_b)Number of prepaid cards I received for my own use
IF PA021_a = 0 AND PA021_b = 0 THEN
(PA022) Have you ever had a prepaid card in the past?
o 1 Yes
o 2 No
IF PA022 = 1 THEN
PCEVER := 1
ENDIF
ENDIF
IF PA021_a > 0 OR PA021_b > 0 THEN
PCADOPTER := 1
(PA022_extra) In the past 12 months did you add money to any of your prepaid cards?
o 1 Yes
o 2 No
if PA022_extra = 1 then
(PA023_intro) In a typical period (week, month, or year), how often do you add
money to your prepaid cards? If never, please enter 0 in any box.
Please use the time(s) per year frequency only if you typically add money to a prepaid
card fewer than once per month.
(PA023_a)_____time(s) per week
(PA023_b)
(PA023_c) OR_______time(s) per
OR______ time(s) per month
year*
(PA023_asterisk)*Use this frequency if you typically make fewer than one payment per month.
ENDIF
ENDIF
(PA024) Do you have any automatic bill payments set up to occur this month?
o 1 Yes
o 2 No
ABPADOPTER := 0
IF PA024 = 1 THEN
ABPADOPTER := 1
ELSE
(PA025) Have you ever had automatic bill payment in the past?
o 1 Yes
o 2 No
ABPEVER := 0
IF PA025 = 1 THEN
ABPEVER := 1
ENDIF
ENDIF
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
(PA026) Have you set up access to mobile banking for your cell phone? NOTE: This is not telephone banking
o 1 Yes
o 2 No
MBADOPTER := 0
IF PA026 = 1 THEN
MBADOPTER := 1
ENDIF
(PA027) Do you have any payment methods with contactless payment technology? Check all that apply:
o 1 Credit card
o 2 Debit card
o 3 Prepaid card
o 4 Electronic toll payment
o 5 Key fob
IF CHKEVER=1 OR CHKADOPTER=1 OR DCEVER=1 or DCADOPTER=1 OR ATMEVER=1 OR
ATMADOPTER=1 OR CCEVER=1 OR CCADOPTER=1 OR PCEVER=1 OR PCADOPTER=1 OR
ABPEVER=1 OR ABPADOPTER=1 OR OBBPADOPTER=1 OR OBADOPTER=1 OR MBADOPTER=1 OR
TBADOPTER=1 THEN
(PA028_intro)When did you first get or set up each of these payment methods? Please give one
answer per row
OR How many years ago?____
OR How old were you?___
What year was it?________
IF CHKEVER=1 OR CHKADOPTER=1 THEN
1. Checking account (PA028_a[1], PA028_a[2], PA028_a[3])
ENDIF
IF DCEVER=1 OR DCADOPTER=1 THEN
2. Debit card (PA028_b[1], PA028_b[2], PA028_b[3])
ENDIF
IF ATMEVER=1 OR ATMADOPTER=1 THEN
3. ATM card (PA028_c[1], PA028_c[2], PA028_c[3])
ENDIF
IF CCEVER=1 OR CCADOPTER=1 THEN
4. Credit card (PA028_d[1], PA028_d[2], PA028_d[3])
ENDIF
IF PCEVER=1 OR PCADOPTER=1 THEN
5. Prepaid card (PA028_e[1], PA028_e[2], PA028_e[3])
ENDIF
IF ABPEVER=1 OR ABPADOPTER=1 THEN
6. Automatic bill payments (PA028_f[1], PA028_f[2], PA028_f[3])
ENDIF
IF OBADOPTER=1 THEN
7. Online banking (any) (PA028_g[1], PA028_g[2], PA028_g[3])
ENDIF
IF OBBPADOPTER=1 THEN
8. Bill payment function of online banking (PA028_h[1], PA028_h[2], PA028_h[3])
ENDIF
IF MBADOPTER=1 THEN
9. Mobile banking (PA028_i[1], PA028_i[2], PA028_i[3])
ENDIF
IF TBADOPTER=1 THEN
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
10. Telephone banking (PA028_j[1], PA028_j[2], PA028_j[3])
ENDIF
(error checking code goes here)
ENDIF
IV.
Payment Use (PU)
(PU001_Intro)Now we will ask questions about how often you use the payment methods you have.
(PU002_Intro)The next set of questions will be divided into two types of payments:
*Bill payments
*Payments made for all other purchases
if ABPADOPTER = 1 then
(PU002_intro2)In a typical period (week, month, or year), about how many automatic bill payments
do you make?
If you do not use the payment method to pay bills, please enter a 0 in the appropriate row.
Automatic Bill Payments
*(PU002_asterisk)Please use the Per year frequency if you typically make fewer than one payment per month
Per week
(pu002_a1)
If dcadopter
= 1 then Paid
with your debit
card(s)
(pu002_b1)
If ccadopter
= 1 then
Charged to your
credit card(s)
If baadopter
(pu002_c1)
= 1 then
Deducted from
your bank
account(s)
(pu002_d1)
Paid directly from
your income
(error catching code goes here)
Per month
(pu002_a2)
Per year*
(pu002_a3)
(pu002_b2)
(pu002_b3)
(pu002_c2)
(pu002_c3)
(pu002_d2)
(pu002_d3)
End if
IF BAADOPTER = 1 or CCADOPTER = 1 THEN
(pu003_intro) In a typical period (week, month, or year), about how many online bill payments do
you make?
If you do not use the payment method to pay bills, please enter a 0 in the appropriate row.
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
Online Bill Payments
*(pu003_asterisk)Please use the Per year frequency if you typically make fewer than one payment per
month.
Per week
Per month
Per year*
If dcadopter =1
(pu003_a1)
(pu003_a2)
(pu003_a3)
thenPaid with your
debit card(s)
If ccadopter = 1
(pu003_b1)
(pu003_b2)
(pu003_b3)
then Charged to your
credit card(s)
If baadopter = 1
(pu003_c1)
(pu003_c2)
(pu003_c3)
then Deducted from your
bank account(s) on the
billing company’s web site
If obbpadopter = 1 (pu003_d1)
(pu003_d2)
(pu003_d3)
then Paid with the online
banking bill payment
function on your bank’s
web site
(error catching code here)
END IF
(pu004_intro)In a typical period (week, month, or year) about how many bill payments by mail or in‐
person do you make?
If you do not use the payment method to pay bills, please enter a 0 in the appropriate row.
Bill Payments by Mail or In‐person
*(pu004_asterisk)Please us the Per year frequency if you typically make fewer than one payment per month
Paid in cash
Paid by check (paper) or
money order
If dcadopter = 1
then Paid with your debit
card(s)
If ccadopter = 1
then Charged to your
credit card(s)
If pcadopter = 1
then Paid with your
prepaid card(s)
(error catching code here)
Per week
Pa004_a1
Pa004_b1
Per month
Pa004_a2
Pa004_b2
Per year*
Pa004_a3
Pa004_b3
Pa004_c1
Pa004_c2
Pa004_c3
Pa004_d1
Pa004_d2
Pa004_d3
Pa004_e1
Pa004_e2
Pa004_e3
(pu005_intro)Now we will ask about all other payments and purchases besides bills.
(pu005_intro2) In a typical period (week, month, or year), how many of the following payments do you
make?
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
If you do not use the payment method, please enter a 0 in the appropriate row.
Online Payments
‐All purchases made on the Internet (except bill payments)
*(pu005_asterisk)Please use the Per year frequency if you typically make fewer than one payment per
month.
Check (paper) or money
order
If dcadopter = 1
then Debit card
If baadopter = 1
then Deducted from your
bank account(s)
If ccadopter = 1
then Credit Card
If pcadopter = 1
then Prepaid card
(error catching code here)
Per week
Pu005_a1
Per month
Pu005_a2
Per year*
Pu005_a3
Pu005_b1
Pu005_b2
Pu005_b3
Pu005_c1
Pu005_c2
Pu005_c3
Pu005_d1
Pu005_d2
Pu005_d3
Pu005_e1
Pu005_e2
Pu005_e3
(pu006a_intro)In a typical period (week, month, or year), how many of the following payments do
you make?
If you do not use the payment method, please enter a 0 in the appropriate row.
Retail basic goods (shopping in person) including:
‐Grocery stores, supermarkets, and food stores
‐Restaurants, bars, and coffee shops
‐Superstores, warehouses, club stores
‐Drug or convenience stores
‐Gas stations
Note: Please answer only for goods purchased in person at these (and similar) types of stores. The next two
questions ask about other goods sold at other stores and in‐person purchases of services.
*(pu006a_asterisk)Please use the Per year frequency if you typically make fewer than one payment per
month.
Cash
Check (paper) or money
order
If dcadopter = 1
then Debit card
If ccadopter = 1
then Credit card
If pcadopter = 1
then Prepaid card
(error catching code here)
Per week
Pu006a_a1
Pu006a_b1
Per month
Pu006a_a2
Pu006a_b2
Per year*
Pu006a_a3
Pu006a_b3
Pu006a_c1
Pu006a_c2
Pu006a_c3
Pu006a_d1
Pu006a_d2
Pu006a_d3
Pu006a_e1
Pu006a_e2
Pu006a_e3
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
(pu006b_intro)In a typical period (week, month, or year), how many of the following payments do
you make?
If you do not use the payment method, please enter 0 in the appropriate row.
Retail other goods (shopping in person) including:
‐General merchandise and department stores
‐Electronics and appliances stores
‐Home goods, hardware stores, and furniture stores
‐Office supply stores
‐Other miscellaneous and specialty stores
Note: Please answer only for goods purchases in person at these (and similar) types of stores. The nest question
asks about in‐person purchases of services.
*(pu006b_asterisk)Please use the Per year frequency if you typically make fewer than one payment per
month.
Cash
Check (paper) or money
order
If dcadopter = 1
then Debit card
If ccadopter = 1
then Credit card
If pcadopter = 1
then Prepaid card
(error catching code here)
Per week
Pu006b_a1
Pu006b_b1
Per month
Pu006b_a2
Pu006b_b2
Per year*
Pu006b_a3
Pu006b_b3
Pu006b_c1
Pu006b_c2
Pu006b_c3
Pu006b_d1
Pu006b_d2
Pu006b_d3
Pu006b_e1
Pu006b_e2
Pu006b_e3
(pu006c_intro)In a typical period (week, month, or year), how many of the following payments do
you make?
If you do not use the payment method, please enter a 0 in the appropriate now.
Retail services and other (shopping/paying in person) including:
‐Transportation and tolls
‐Medical, dental, and fitness
‐Education and child care
‐Personal care (e.g. hair)
‐Recreation, entertainment, and travel
‐Maintenance and repairs
‐Other professional services (business, legal, etc.)
‐Charitable donations
‐Person‐to‐person payments
*(pu006c_asterisk)Please use the Per year frequency if you typically make fewer than on payment per
month.
Per week
Per month
Per year*
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
Cash
Check (paper) or money
order
If dcadopter = 1
then Debit card
If ccadopter = 1
then Credit card
If pcadopter = 1
then Prepaid card
(error catching code here)
Pu006c_a1
Pu006c_b1
Pu006c_a2
Pu006c_b2
Pu006c_a3
Pu006c_b3
Pu006c_c1
Pu006c_c2
Pu006c_c3
Pu006c_d1
Pu006c_d2
Pu006c_d3
Pu006c_e1
Pu006c_e2
Pu006c_e3
(pu007) During the past 12 months what portion of retail purchases did you make online?
o 1 None or almost none
o 2 Less than half online
o 3 About half
o 4 More than half online
o 5 All or almost all online
(pu008_intro)In a typical period (week, month, or year), how often do you use the following payment
methods?
If never, please enter 0.
*Please use the Per year frequency if you typically make fewer than one payment per month.
Money orders for bill
payments
Money orders for all
other payments
Travelers checks
(error catching code here)
Per week
Pu008_a1
Per month
Pu008_a2
Per year*
Pu008_a3
Pu008_b1
Pu008_b2
Pu008_b3
Pu008_c1
Pu008_c2
Pu008_c3
IF CCADOPTER = 1 THEN
(PU009) During the past 12 months, did you carry and unpaid balance on any credit card from one
month to the next (that is, you did not pay the balance in full at the end of the month)?
o 1 Yes
o 2 No
IF PU009 = 1 THEN
(pu010) Last month, about how much was the unpaid balance on all your credit cards that you
carried over from the previous month?
o $________.00
(pu011) Compared to 12 months ago, what is the unpaid balance on all your credit cards?
o 1 Much lower
o 2 Lower
o 3 About the Same
o 4 Higher
o 5 Much Higher
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
ENDIF
ENDIF
(pu012_intro) Looking BACK to about ___*____ ago, how has your use of each payment method
changed? *Randomized: 1 or 3 years
Please check one per row.
1 Decreased a
lot
2 Decreased
somewhat
3 About the
same
4 Increased
Somewhat
5 Increased a
lot
(pu012_a) Cash
IF CHKEVER = 1 or
CHKADOPTER = 1 THEN
(pu012_b) Check (paper)
or money order
IF DCEVER = 1 or
DCADOPTER = 1 THEN
(PU012_c) Debit
card
IF CCEVER = 1 or
CCADOPTER = 1 THEN
(PU012_d)
Credit card
IF PCEVER = 1 or
PCADOPTER = 1 THEN
(PU012_e)Prepaid
card
IF ABPEVER = 1 or
ABPADOPTER = 1 THEN
(PU012_f)Electronic
Deduction
IF OBBPADOPTER = 1
THEN
(PU012_g)
Online Bill Payment
(pu013_a)Looking AHEAD to about ____*____ from now, how do you expect your use of each payment
method to change? *Randomized: 1 or 3 years
1 Will decrease
a lot
2 Will decrease
somewhat
3 Will stay
about the same
(pu013_a)Cash
IF CHKEVER =
1 or
CHKADOPTER =
1 THEN
(PU013_b)
Check (paper) or
©2008‐2009 Federal Reserve Bank of Boston.
21
4 Will increase
somewhat
5 Will increase a
lot
2008 Survey of Consumer Payment Choice (9/16/2008)
money order
IF DCEVER =
1 or
DCADOPTER =
1 THEN
(PU013_c)
Debit card
IF CCEVER =
1 or
CCADOPTER =
1 THEN
(PU013_d)
Credit card
IF PCEVER =
1 or
PCADOPTER =
1 THEN
(PU013_e)
Prepaid card
IF ABPEVER =
1 or
ABPADOPTER =
1 THEN
(PU013_f)
Electronic
Deduction
IF
OBBPADOPTER
= 1 THEN
(PU013_g)
Online Bill
Payment
if CHKADOPTER = 1 THEN
(PU014) Have you ever experienced the following types of conversion of a paper check to an electronic
payment?
Check one only.
o 1 Check converted at a retail store (check returned immediately)
o 2 Check converted at a Post Office box by a billing company (check not returned)
o 3 Both types of conversion
o 4 Neither type of conversion
o 5 I don’t know
if PU014 = 1 or PU014 = 2 or PU014 = 3 then
(PU015) What did you do in response to the paper check conversion?
Check one only.
o 1 Change to another payment method
o 2 Change to a different store or company
o 3 Both changes
o 4 Nothing
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
else
(PU016) What would you do if your paper check were converted?
Check one only.
o 1 Change to another payment method
o 2 Change to a different store or company
o 3 Both changes
o 4 Nothing
o 5 I don’t know
endif
(PU017) If your bank charged you __*___ cents ($0) per check, how would your use of checks change?
*Randomized: 5,10,25, or 50 cents
o 1 Would stop using
o 2 Would decrease a lot
o 3 Would decrease somewhat
o 4 Would stay about the same
o 5 Would increase somewhat
o 6 Would increase a lot
o 7 Would start using
(PU018) Float is the time between the moment you write a check and the moment money is deducted from your
checking account.
If float were eliminated, so money was deducted from your account immediately, how would your use of
checks change?
o 1 Would stop using
o 2 Would decrease a lot
o 3 Would decrease somewhat
o 4 Would stay about the same
o 5 Would increase somewhat
o 6 Would increase a lot
o 7 Would start using
(PU020) If your bank no longer returned your original (paper) checks under any circumstances, how
would your use of checks change?
o 1Would stop using
o 2 Would decrease a lot
o 3 Would decrease somewhat
o 4 Would stay about the same
o 5 Would increase somewhat
o 6 Would increase a lot
o 7 Would start using
ENDIF *(if chkadopter = 1);
V.
Payment History (PH)
Now we will ask questions that will help us understand your payment decisions better.
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
(Ph001)During the past 12 months, did you use a self‐service checkout line at a retail store?
o 1 Yes
o 2 No
(PH003) During the past 12 months, which of the following situations were true for you?
Please check all that apply.
o 1 One of your telephone numbers was unlisted
o 2 Your identity was blocked from outgoing calls made by one of your telephone numbers
o 3 You were registered for a ‘Do not call’ list to prevent phone solicitations
(PH004) Have you, or anyone you know well (family, friends, neighbors, coworkers, etc), ever been a
victim of what you consider to be identity theft?
o 1 Yes, myself and someone I know well
o 2 Yes, someone I know well only
o 3 Yes, myself only
o 4 No
(PH005) Have you ever entered any of the following information on an Internet web site or sent the
information in an e‐mail message? Please check all that apply (Radomized)
1 – 7 is randomized among the following response categories
o Account number
o Address
o Credit card number
o Debit card number
o Mother’s maiden name
o Phone number
o Social security number
(PH006) What is your most recent credit rating, as measured by a FICO score?
o 1 Below 600
o 2 600‐649
o 3 650‐699
o 4 700‐749
o 5 750‐800
o 6 Above 800
o 7 I don’t know
(PH007) During the past 12 months, did you overdraw any of your bank accounts?
o 1 Yes and I paid a late fee
o 2 Yes but I did not pay a fee
o 3 No
(PH009) During the past 10 years, did you have any of these financial difficulties: bankruptcy, loan or
credit card default, tax lien, foreclosure, repossession, or account referred to a collection agency?
o 1 Yes
o 2 No
(PH010) During the past 12 months, when did you most often pay your monthly bills other than pre‐
scheduled automatic bill payments?
o 1 Right away (within 1 week of receiving the bill)
o 2 Last minute (within 1 week of the due date
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
o
o
o
o
3 Between right away and last minute
4 Late (after the bill is due)
5 I don’t pay any bills
6 I pay all of my bills using automatic bill payment
(PH011) During the past 12 months, did you forget to pay any monthly bill on time even though you had
enough money in your bank account?
o 1 Yes
o 2 No
(PH012) During the past 12 months, did you do any of the following? Please check all that apply.
o 1 Use coupons
o 2 Use mail‐in rebates
o 3 Shop at a wholesale club
o 4 Pay in cash to receive a discount
(PH013) During the past 12 months, did you pay a membership fee (such as a gym or exercise facility,
wholesale club, online grocery store, online video service, etc.) and then use the membership privileges
less than you expected?
o 1 Yes
o 2 No
(PH014) Who prepared (or will prepare) your most recent federal income tax return? (Randomized)
1 – 6 are randomized, 7 is always Other(specify)
o I did, using tax computer software
o I did, by hand (paper tax return
o A family member, household member, or friend
o A tax service company
o My accountant or financial planner
o I have never submitted a federal tax return
o 7 Other _______ (specify)
o (PH014_other) (specify)
(PH017) Have you ever decided to stop receiving paper copies of any financial record (such as bank
statements, monthly bills, investment account statements, canceled checks)?
o 1 Yes
o 2 No
VI.
Demographics (DE)
(de000) Now we will ask you some questions similar to those asked in the “My Household Questionnaire”
(de001) What is the highest level of school your mother completed or the highest degree she received?
o 1 Less than 1st grade
o 2 1st, 2nd, 3rd, or 4th grade
o 3 5th or 6th grade
o 4 7th or 8th grade
o 5 9th grade
o 6 10th grade
o 7 11th grade
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2008 Survey of Consumer Payment Choice (9/16/2008)
o
o
o
o
o
o
o
o
o
o
8 12th grade NO DIPLOMA
9 HIGH SCHOOL GRADUATE high school DIPLOMA or the equivalent (For example: GED)
10 Some college but no degree
11 Associate degree in college: Occupational/vocational program
12 Associate degree in college: Academic program
13 Bachelor’s degree (For example: BA, AB, BS)
14 Master’s degree (For example: MA, MS, MEng, MEd, MSW, MBA
15 Professional School Degree (For example: MD, DDS, DVM, LLB, JD)
16 Doctorate degree (For example, PhD, EdD)
17 I don’t know
IF internetlocation > 1 THEN
(DE005) Do you have regular access to the Internet at home?
o 1 Yes
o 2 No
IF DE005 = 1 THEN
(DE006) What type of internet connection do you have at home?
o 1 Dial‐up modem (via personal computer or internet player)
o 2 Cable modem
o 3 DSL
o 4 Satellite dish
o 5 Local network
o 6 Other connection
o 7 I don’t know
Endif
Endif
IF familyincome = 14 THEN
(DE010) In your “My Household” questionnaire, you told us that the total combined income of all
members of your family (living here) during the preceding 12 months was more than $75,000. Thinking
about the total combined income of your family from all sources, approximately how much did members
of your family receive during the previous 12 months?
o 1 $75,000‐$99,999
o 2 $100,000‐$124,000
o 3 $125,000‐$199,999
o 4 $200,000 or more
End if
(DE011) What does your own personal income rank within your household?
o 1 Highest in my household
o 2 About equal to the highest (roughly the same as another household member)
o 3 2nd highest
o 4 3rd highest or lower
(DE013) Do you and/or your spouse/partner own your primary home?
Note: Even if you have an unpaid mortgage, you are considered the owner of the home.
o 1 Yes
o 2 No
if DE013 = 1 then
(DE014) What is the approximate market value of your primary home?
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
Please enter your answer below in thousands of dollars.
o $______,000
(DE015) About how much do you owe on loans for your primary home, including mortgages, home
equity loans, and home equity lines of credit?
Please enter your answer below in thousands of dollars.
o $______,000
Endif
if DE013 = 1 then
(DE016) 'Excluding the net worth of your primary home, what is the approximate
net worth of your household's other assets? Include real estate other than your primary home. Please
enter your answer below in thousands of dollars.'
else
(DE016) What is the approximate net worth of your household's assets? Include real estate that you
own.
Please enter your answer below in thousands of dollars.'
endif
(DE017) Many religions and philosophies have important teachings about money, finances, and spending.
What is your primary religion or secular philosophy?
o 1 I prefer not to answer
o 2 None
o 3Undecided
o 4Agnosticism
o 5 Atheism
o 6 Babi & Baha’i
o 7 Buddhism
o 8 Chinese traditional (for example, Confucianism, Taoism, etc)
o 9 Christian Science
o 10 Christianity‐Roman Catholic
o 11 Christianity‐Eastern Orthodox (Greek, Russian, etc)
o 12 Christianity‐Anglican, Episcopalian, Lutheran, Methodist, or Presbyterian
o 13 Christianity‐Baptist, Congregational, Reformed, or United Churches of Christ
o 14 Christianity‐Assemblies of God, Charismatic, Churches of Christ, or Pentecostal
o 15 Christianity‐ Other Protestant denominations
o 16 Christianity‐Non‐denominational (See also Jehovah’s Witnesses, Mormonism, Seventh‐day
Adventism, and Unity)
o 17 Free thinkers
o 18 Hinduism
o 19 Humanism‐non‐religious
o 20 Humanism‐religious
o 21 Islam‐Shi’ite
o 22 Islam‐Sunni
o 23 Islam‐Other
o 24 Jehovah’s Witnesses
o 25 Judaism‐ Conservative
o 26 Judaism‐Orthodox
o 27 Judaism‐Reform
o 28 Mormonism (Church of Jesus Christ of Latter‐day Saints)
©2008‐2009 Federal Reserve Bank of Boston.
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2008 Survey of Consumer Payment Choice (9/16/2008)
o
o
o
o
o
o
o
29 New Age
30 Scientology
31Seventh‐day Adventism
32 Sikhism
33 Unitarian Universalism
34 Unity
35 Other (specify)____(DE017_other)
(DE018) While answering this survey, did you look at your financial statements, receipts, old checks,
websites, or other records at any time? (It is ok if you did).
o 1 Yes
o 2 No
(CS_001) Could you tell us how interesting or uninteresting you found the questions in this interview?
o 1 Very interesting
o 2 Interesting
o 3 Neither interesting or uninteresting
o 4 Uninteresting
o 5 Very uninteresting
(CS_002) Would you have completed this interview if it had been conducted on the phone?
o 1 Yes
o 2 No
(CS_003) Do you have any other comments on the interview? Please type these in the box below.
©2008‐2009 Federal Reserve Bank of Boston.
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