Aditi Routh is an Economist in the Economic Research Department at the Federal Reserve Bank of Kansas City. Her research focuses on payment behavior of consumers, the financially underserved population in the payments market, and payment innovations. She is also studying payment system preferences of small businesses in the U.S.
Aditi joined the Bank in June 2022, after earning her Ph.D. in Consumer Economics at University of Georgia, Athens. She also holds a M.A. in Economics from University of California, Riverside, and a B.A. in Economics from Jadavpur University, India.
Professional Journals and Books
- “Financial literacy, risk tolerance, and cryptocurrency ownership in the United States” with Fumiko Hayashi, Journal of Behavioral and Experimental Finance, 2025, 46.
- "Heterogeneous unbanked households: Which types of households are more (or less) likely to open a bank account?” with Fumiko Hayashi and Ying Lei Toh, Journal of Economics and Business, 2024, 129.
Economic Review Articles
- Financial Constraints Among Buy Now, Pay Later Users
with Fumiko Hayashi, Vol. 110, no. 4
Other District Publications
- The Role of Nonbanks and Fintechs in Boosting India’s UPI Person-to-Merchant Transactions
PSR Briefing, August 2024
Research Working Papers
- Financial Literacy, Risk Tolerance, and Cryptocurrency Ownership in the United States
with Fumiko Hayashi, RWP 24-03 - Which Types of Unbanked Households Are More (or Less) Likely to Open a Bank Account?
with Fumiko Hayashi and Ying Lei Toh, RWP 23-08