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
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.
Inclusion by Design: Crafting a Central Bank Digital Currency to Reach All Americans
To reach the unbanked population, a central bank digital currency should be designed with specific needs in mind.
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