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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

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.

Payments System Research Briefing

“Give Me Some Credit!”: Using Alternative Data to Expand Credit Access

Supplementing traditional credit reports with alternative data may help more consumers gain access to credit.

Payments System Research Briefing

What Consumer Surveys Say about the Design of a U.S. CBDC for Retail Payments

In the United States, potential retail CBDC users seek dependability, convenience, and security.

Payments System Research Briefing

Walmart Checking and Apple Savings: Different Motivations, Similar Outcomes?

With plans to offer traditional financial accounts, Walmart and Apple may drive competition in the financial services industry.