Banking and Payments Research
Research staff analyze domestic and international payments systems as well as the banking industry.
Recent Articles
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...
Contact and Payment Methods Used for the Top Five Categories of Scams
Scammers are increasingly using social media to contact consumers and directing them to pay with cryptocurrency and payment apps.
“Future of Banking: Navigating Change” Conference Highlights Opportunities and Challenges
Panelists discussed community banks’ funding and staffing challenges and as well as their advantage in relationship banking.
Stablecoins Could Increase Treasury Demand, but Only by Reducing Demand for Other Assets
Funds flowing into stablecoins must flow out of another source.
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.