Banking and Payments Research
Research staff analyze domestic and international payments systems as well as the banking industry.
Recent Articles
Card-Not-Present Fraud Rates in the United States After the Migration to Chip Cards
The U.S. card-not-present fraud rate has gradually increased for non-prepaid debit cards over the past decade.
A Comparison of Daily and Intradaily Monetary Policy Surprises
Daily data can be a reasonable substitute for intraday data in measuring the effects of monetary policy announcements, with...
Has Access to Bank On-Certified Accounts Helped Ease Financial Barriers to Bank Account Ownership?
Data suggest that Bank On-certified accounts have helped address a common barrier to bank account ownership.
Monetary Policy Transmission, Bank Market Power, and Income Source
Banks can maintain lower deposit rates due to market power in financial services.
Community Banks Have Maintained Profitability in a High-Interest Rate Environment
Banks that rebalanced their assets and retained stable deposit bases were more profitable during recent interest rate hikes.
Game Changer: The Evolution of Video Games’ Payments Infrastructure
Video games’ evolving revenue models and payments infrastructure have helped the industry boom.
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.