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
Data Aggregators: The Connective Tissue for Open Banking
Data aggregators play a critical role in financial service apps, generating benefits as well as risks.
The Cryptic Nature of Black Consumer Cryptocurrency Ownership
Black consumers increasingly own cryptocurrency due to historical reasons and the forward-looking views of young consumers.
Assessing the Case for Retail CBDCs: Central Banks’ Considerations
Emerging economies have found more compelling reasons to implement a central bank digital currency than advanced economies.
The Rise of Buy Now, Pay Later: Bank and Payment Network Perspectives and Regulatory Considerations
Incumbent players in the payments industry have started to respond to the rise of “buy now, pay later” payment options.
When Paying Bills, Low-Income Consumers Incur Higher Costs
Low-income consumers rely on costlier methods to pay bills, even if they have bank accounts.
The Appeal and Proliferation of Buy Now, Pay Later: Consumer and Merchant Perspectives
“Buy now, pay later” products offer benefits to consumers and merchants, but not without risk.
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