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
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.
Digital, Financial, and Health Insurance Exclusion Experienced by Low-Income Households
Low-income households are more likely to lack home internet access, bank accounts, and health insurance.
Déjà Vu All Over Again: What the Return of Private Currencies Could Mean for Central Banks
Private digital currencies, or “crypto-assets,” present familiar challenges for central banks.
Are Contactless Payments Finally Poised for Adoption?
Demand for contactless payments increased during the COVID-19 pandemic.
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