Payments System Research Briefing
2004 - 2025
From Federal Reserve Bank of Kansas City
Contact information at EDIRC.
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2025
- Did Card-Present Fraud Rates Decline in the United States After the Migration to Chip Cards? pp. 8
- Fumiko Hayashi
2024
- As Earned Wage Access Grows, Oversight Tries to Catch Up pp. 6
- Terri Bradford
- The Role of Nonbanks and Fintechs in Boosting India’s UPI Person-to-Merchant Transactions pp. 6
- Aditi Routh
- Cash Bill Pay Services and Payment Inclusion in the United States pp. 6
- Franklin Noll
- Could Municipal IDs Facilitate Access to Financial Services? pp. 6
- Terri Bradford
- Market Structure of Core Banking Services Providers pp. 7
- Julian Alcazar, Samuel Baird, Emma Cronenweth, Fumiko Hayashi and Ken Isaacson
- Observations from the Retail CBDCs of the Caribbean pp. 7
- Franklin Noll
- The Role of Core Banking Services Providers in Facilitating Instant Payments pp. 7
- Julian Alcazar, Samuel Baird, Emma Cronenweth, Fumiko Hayashi and Ken Isaacson
- Core Banking Systems and Options for Modernization pp. 8
- Julian Alcazar, Samuel Baird, Emma Cronenweth, Fumiko Hayashi and Ken Isaacson
- Combating Authorized Push Payment Scams in Fast Payment Systems pp. 8
- Ying Lei Toh
2023
- What Consumer Surveys Say about the Design of a U.S. CBDC for Retail Payments pp. 5
- Franklin Noll
- “Give Me Some Credit!”: Using Alternative Data to Expand Credit Access pp. 6
- Terri Bradford
- Social Media for Personal Finances: A New Trend for Millennials and Gen Z pp. 6
- Samuel Baird
- How Much Do Nonbank Transaction Accounts Improve Access to Digital Payments for Unbanked Households? pp. 9
- Ying Lei Toh
2022, articles November 30, 2022
- Walmart Checking and Apple Savings: Different Motivations, Similar Outcomes? pp. 5
- Terri Bradford
2022, articles October 7, 2022
- Promoting Payment Inclusion in the United States pp. 10
- Ying Lei Toh
2022, articles August 24, 2022
- Data Aggregators: The Connective Tissue for Open Banking pp. 6
- Julian Alcazar and Fumiko Hayashi
2022, articles June 1, 2022
- The Cryptic Nature of Black Consumer Cryptocurrency Ownership pp. 6
- Terri Bradford
2022, articles May 26, 2022
- Assessing the Case for Retail CBDCs: Central Banks’ Considerations pp. 7
- Fumiko Hayashi and Ying Lei Toh
2021, articles December 1, 2021
- The Rise of Buy Now, Pay Later: Bank and Payment Network Perspectives and Regulatory Considerations pp. 6
- Julian Alcazar and Terri Bradford
2021, articles November 23, 2021
- When Paying Bills, Low-Income Consumers Incur Higher Costs pp. 7
- Ying Lei Toh
2021, articles November 10, 2021
- The Appeal and Proliferation of Buy Now, Pay Later: Consumer and Merchant Perspectives pp. 7
- Julian Alcazar and Terri Bradford
2021, articles July 7, 2021
- Digital, Financial, and Health Insurance Exclusion Experienced by Low-Income Households pp. 9
- Fumiko Hayashi and Rebecca Ruiz
2021
- Déjà Vu All Over Again: What the Return of Private Currencies Could Mean for Central Banks pp. 4
- Jesse Maniff and Susan Zubradt
- Are Contactless Payments Finally Poised for Adoption? pp. 6
- Terri Bradford
2020
- Payments System Research: Our 2020 Vision pp. 4
- Susan Zubradt
- Motives Matter: Examining Potential Tension in Central Bank Digital Currency Designs pp. 4
- Jesse Maniff
- In the Nick of Time: The Rise of Earned Wage Access pp. 5
- Julian Alcazar and Terri Bradford
- Inclusion by Design: Crafting a Central Bank Digital Currency to Reach All Americans pp. 5
- Jesse Maniff
- Neobanks: Banks by Any Other Name? pp. 6
- Terri Bradford
- Remote Card Payment Fraud: Trends and Measures Taken in Australia, France, and the United Kingdom pp. 6
- Fumiko Hayashi
- Still on Trial? The Court’s Use of Economic Analysis in the American Express Case pp. 7
- Jesse Maniff and Ying Lei Toh
- How Did We Get Here? From Observing Private Currencies to Exploring Central Bank Digital Currency pp. 7
- Jesse Maniff
- How the COVID-19 Pandemic May Reshape the Digital Payments Landscape pp. 10
- Ying Lei Toh and Thao Tran
2019
- Developments of QR Code-Based Mobile Payments in East Asia pp. 14
- Terri Bradford, Fumiko Hayashi and Ying Lei Toh
2017
- Competition and Coordination: The Card Network Balancing Act pp. 5
- Jesse Maniff
- Banks Re-enter the P2P Payments Fray: With Mobile, Will this Time Be Different? pp. 6
- Terri Bradford
- Managing Fraud in Remote Payments pp. 6
- Zach Markiewicz and Richard J. Sullivan
2015, articles Oct.
- The Puzzle of Payments Security: Fitting the Pieces Together to Protect the Retail Payments System pp. 1-5
- Terri Bradford
2015, articles April
- Change is Coming: What the EMV Migration May Mean for Payments Innovation
- Terri Bradford and Jesse Maniff
2014, articles Oct
- Interchange fees and network rules: a shift from antitrust litigation to regulatory measures in various countries pp. 1-5
- Fumiko Hayashi and Jesse Maniff
2013, articles Apr
- Fees, fraud and regulation: force of change in the payment card industry
- Fumiko Hayashi and Richard J. Sullivan
2012, articles Dec
- Where social networks, payments and banking intersect
- Terri Bradford
2012, articles Jun
- Discounts and surcharges: implications for consumer payment choice
- Fumiko Hayashi
2009, articles December
- An Update on Interchange Legislation in the United States pp. 1-5
- Christian Hung
2009, articles October
- The Benefits of Collecting and Reporting Payment Fraud Statistics for the United States pp. 1-5
- Richard J. Sullivan
2009, articles April
- Backward Glance While Looking Forward pp. 1-5
- Terri Bradford
2008, articles Dec
- International remittances
- Terri Bradford
2008, articles Sept
- Developments in merchant acquiring
- Terri Bradford and Christian Hung
2008, articles Apr
- Developments in interchange fees in the United States and abroad
- Terri Bradford
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