Banking and Payments Research
Research staff analyze domestic and international payments systems as well as the banking industry.
Recent Articles
An Analytical Price of Stablecoin “Deposit” Insurance
This paper provides the first analytical estimates of the price of guaranteeing stablecoins against loss.
Complementary Effects of Financial Education and Payday Lending Regulations on Financial Inclusion
Financial education reduces adults’ likelihood of being unbanked, particularly in states where payday lending is also restricted.
Bank Funding and FHLB Advances
Bank funding has evolved substantially since the onset of the pandemic, renewing attention on banks’ use of FHLB advances.
How Do Consumers’ Fraud Experiences Vary with Their Financial Vulnerability?
Data show financially vulnerable consumers are more likely to experience fraud and ultimately incur fraud losses.
U.S. Consumers’ Use of Cryptocurrency for Payments
The share of U.S. consumers who use cryptocurrency for payments has been very small and recently declined.
Unconventional Monetary Policy Spillovers and the (In)convenience of Treasuries
When the convenience of U.S. Treasuries wanes, yields are more exposed to large-scale asset purchases by the European Central...
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.