Payments System Research
Newsletter Articles
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The Federal Reserve Bank of Kansas City's Payments System Research Department's publications cover a range of topics, including types of payments methods, developments in payments networks, and various participants' roles in the payments system. This site provides links to those publications. |
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Online Banking
Comes of Age - 01/06 by Zhu Wang
The shakeout of Internet-only banks was not at all an isolated phenomenon, but part of a broader picture of the dot-com boom/bust cycle.
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The Many Uses of Stored-Value Cards - 11/03 by
Terri Bradford
Stored-value cards are not a new concept. For example, the prepaid phone card has been around for at least a decade.
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Nonbanks More of a Market Force - 5/03 by Terri
Bradford
Nonbanks have always been a key component in the nation's payment system, enhancing the efficiency, breadth and competitiveness of the industry. In recent years, they have become even more prominent, whether in back-office processing or front-end consumer interaction.
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EBPP: How Sharply Will It Grow? - 5/02 by Terri
Bradford
A close examination of Electronic Bill Presentment and Payment (EBPP) and the various roles financial institutions can play in offering it.
Banking on the Internet - 2/02 by Terri Bradford
Features three Tenth District financial institutions of varying deposit size and customer make-up that used technological advances to spur changes and offer Internet banking services.
Growing Acceptance of Account Aggregation - 9/01 by Terri Bradford
Offering account aggregation services presents financial institutions with cross-selling opportunities, a way to enhance existing customer relationships, and perhaps more important, a tool for retaining valuable customers.
The P-2-P Payments Proposition - 3/01 by Terri Bradford
Though P-2-P payment services were created to meet the needs of auction participants, they are also being used to facilitate "cybersettling" of accounts when no selling is involved.
Electronic Checks on the Upswing - 1/01 by Terri Bradford
With the growing trend of converting paper checks to electronic forms of payment, you've probably heard the term "electronic check."