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
Core Banking Systems and Options for Modernization
Many depository institutions need to update their back-end IT “core systems” to offer modern banking services.
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.
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.
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.
“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.
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.
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