Banking and Payments Research
Research staff analyze domestic and international payments systems as well as the banking industry.
Recent Articles
New Data on Card-Present and Card-Not-Present Fraud Rates in the United States
Recently released data show that some trends in payment card fraud continue while others have reversed.
Does Experience Matter? Past Fraud Experiences, Data Compromises, and Credit Market Behavior
Past experiences with fraud affect whether individuals take precautionary measures under a new fraud threat.
Higher Treasury Supply Is Likely to Put Upward Pressure on Interest Rates
U.S. government debt has grown over time, expanding the supply of Treasuries and putting upward pressure on interest rates.
Financial Constraints and Employment Dynamics following Natural Disasters
Financial constraints can weigh on credit access and employment after a natural disaster—even outside the affected area.
How Should Bank Supervision and Regulation Be Tailored?
Banks can be classified based on simple asset thresholds or more complex criteria, but both approaches have drawbacks.
An Analytical Price of Stablecoin “Deposit” Insurance
This paper provides the first analytical estimates of the price of guaranteeing stablecoins against loss.
Banking and Payments Resources
Payments Resources
Payments System Research Briefings
Our briefings cover payments methods, developments in payments networks, and various participants' roles in the payments system.
Payments System Research Working Papers
Our paper topics include payments methods, developments in payments networks and various participants' roles in the payments system.
Interchange Fees
An annual update of credit and debit card interchange fees in various countries, regulatory developments in the payment card markets, and trends in interchange fees assessed to U.S. merchants.
Payment Conferences Proceedings
Our international payments policy conferences focus on timely and important topics.
Guide to ATM and Debit Card Industry - 2006 Update
This book is a 2006 update that documents industry trends and patterns and discusses their implications.
Guide to ATM and Debit Card Industry
This book provides an overview of the history and development of the ATM and debit card industry, details the mechanics of ATM and debit transactions, reviews trends in ATM and debit transaction volume and pricing, and discusses industry and public policy issues.
Nonbanks in the Payments System
This book examines nonbank participation of payments activities and the roles nonbanks play in specific transaction types.
Banking Resources
Small Business Lending Survey
Quarterly collection of quantitative and qualitative information that can be used to understand credit market conditions for bank lending to small businesses.
Bank Capital Analysis
The Bank Capital Analysis provides a horizontal comparison of capital adequacy among banking organizations with different risk profiles.