Banking and Payments Research
Research staff analyze domestic and international payments systems as well as the banking industry.
Recent Articles
Since the 1990s, banks’ fixed costs have increased substantially while marginal and average costs have declined.
Capital affects banks’ funding preferences, as banks with more capital monitor more intensely under uninsured financing.
Open banking may enable innovative services that could benefit consumers, but it faces challenges to implementation in the U.S.
New research shows how operationally similar central bank asset purchases can have markedly different effects.
Data suggest that consumers have the technology and know-how to use Pay-by-Bank at physical points of sale.
Including rent payments in credit scoring could affect the credit scores of a sizeable share of U.S. renters.
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.