Banking and Payments Research
Research staff analyze domestic and international payments systems as well as the banking industry.
Recent Articles
Cash Bill Pay Services and Payment Inclusion in the United States
Cash bill pay may help further payment inclusion among consumers who prefer to use cash.
Defining Households That Are Underserved in Digital Payment Services
We consider four elements—access, use, safety, and affordability—in our definition of households underserved in digital payments.
Why Are Multifamily Property Prices Falling?
Price declines for multifamily properties may reflect investor pessimism, not just changes in housing market fundamentals.
The Role of Nonbanks and Fintechs in Boosting India’s UPI Person-to-Merchant Transactions
Nonbank and fintech services have helped expand the use of India’s instant payment system for person-to-merchant payments.
Considerations for the Longer-Run Maturity Composition of the Federal Reserve’s Treasury Portfolio
In the long run, policymakers may prefer to return to a shorter-duration Treasury portfolio like the Fed maintained before 2008.
Why Haven’t Recent Rate Increases Slowed the Economy More?
Low private-lending spreads may explain why borrowers haven’t been deterred by rate hikes.
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.