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Payments System Research Briefings

Briefings cover a range of topics, including payments methods, developments in payments networks, and various participants' roles in the payments system.

Recent Briefings

Payments System Research Briefing

Observations from the Retail CBDCs of the Caribbean

The retail CBDCs launched in the Caribbean are not yet widely used but may offer insight on rCBDC adoption.

Payments System Research Briefing

Market Structure of Core Banking Services Providers

Three core providers dominate the market for core banking systems, which may affect banks’ ability to offer new services.

Payments System Research Briefing

Core Banking Systems and Options for Modernization

Many depository institutions need to update their back-end IT “core systems” to offer modern banking services.

Payments System Research Briefing

How Much Do Nonbank Transaction Accounts Improve Access to Digital Payments for Unbanked Households?

About 40 percent of unbanked households had a nonbank transaction account in 2021, allowing them access to digital payments.

Payments System Research Briefing

Social Media for Personal Finances: A New Trend for Millennials and Gen Z

Social media platforms are increasingly where younger generations make payments, shop, raise money, and learn about finance.

Payments System Research Briefing

The Controversial Business of Cash-to-Crypto Bitcoin ATMs

The Bitcoin ATM industry continues to grow in the United States amid concerns about illegal or financially predatory behavior.