Skip to main content

The Online Platform Economy

What is it measuring?

Participation and income streams from 128 distinct online platforms, extracted from JPMorgan Chase bank accounts. The most recent report designates between four sectors: transportation work, which includes ridesharing and delivery, non-transportation work, selling goods, and leasing assets.

What does it tell us?

As of the first quarter of 2018, 1.6 percent of adults had participated in online platforms in the past month, up from 0.3 percent in 2013.

Almost all of the growth has been in the transportation sector, which includes ridesharing and delivery. The majority of participants are sporadic, engaging in platform work three or fewer months per year. During months of participation, platform earnings average 54 percent of total income.

How is it collected?

Bank account records were completely anonymized prior to being released to JPMorgan Chase Institute researchers. Transaction histories from October 2012 to March 2018 were analyzed in order to track participation in platform work, as well as earnings and the relation of earnings to other income streams.

Who collects it?

JPMorgan Chase Institute, a think tank affiliated with JPMorgan Chase aimed at increasing understanding of the global economic system.


The data are limited to JPMorgan Chase account holders, who are not fully representative of US workers; they are more likely to be men, to be between 25 and 54, live in the West, and have higher incomes than the average American. In addition, the reliance on account transactions means that hours worked and expenses are unknowns, so information on earnings is limited.

How to access this data?

Privately held by JPMorgan Chase Institute


The Online Platform Economy in 2018; 2018; Diana Farrell, Fiona Greig, Amar Hamoudi; JPMorgan Chase Institute;

Paychecks, Paydays, and the Online Platform Economy; 2016; Diana Farrell, Fiona Greig; JPMorgan Chase Institute;

The Online Platform Economy: Has Growth Peaked?; 2016; Diana Farrell, Fiona Greig; JPMorgan Chase Institute;