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

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.

Payments System Research Briefing

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.

Payments System Research Briefing

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.

Payments System Research Briefing

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.

Payments System Research Briefing

Are Contactless Payments Finally Poised for Adoption?

Demand for contactless payments increased during the COVID-19 pandemic.

Payments System Research Briefing

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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