Terri R. Bradford is a Specialist in the Payments System function of the Economic Research Department at the Federal Reserve Bank of Kansas City. Among her responsibilities are monitoring and analyzing global payments system developments, authoring articles for the Payments System Research Briefing, a Tenth District publication, and making presentations to internal and external audiences, especially related to emerging payments instruments.

Ms. Bradford joined the Federal Reserve Bank of Kansas City in 1989. Prior to joining the Payments System Research Department in 2000, she held various positions in the Retail Payments, Payments System Support, Saving Bonds, and Automation Departments of the Bank. Ms. Bradford received her B.S. degree in business from Kansas State University.

Federal Reserve Bank of Kansas City publications

"The Evolution of the ACH," PSR Briefing, December 2007, (PDF 782K)

"Complex Landscapes: Mobile Payments in Japan, South Korea, and the United States," with Fumiko Hayashi, PSR Briefing September 2007, (PDF 740K)

"Stored-Value Cards: A Card for Every Reason," PSR Briefing, June 2007, (PDF 740K)

"Paper, Plastic.....or Phone," PSR Briefing, December 2006, (PDF 214K)

"Payments Fraud: Consumer Considerations," PSR Briefing, May 2006 (PDF 207K)

"Contactless: The Next Payment Wave?" PSR Briefing, December 2005 (PDF 161K)

"Who's Processing Your Payments?" with Stuart Weiner, PSR Briefing, August 2005 (PDF 261K)

"Payment Types at the Point of Sale: Merchant Considerations," PSR Briefing, December 2004 (PDF 339K)

"The Many Uses of Stored-Value Cards," Newsletter article, November 2003 (PDF 2,365K)

"Nonbanks More of a Market Force," Newsletter article, May 2003 (PDF 73K)

"EBPP: How Sharply Will It Grow?" Newsletter article, May 2002 (PDF 202K)

"Banking on the Internet," Newsletter article, February 2002 (PDF 182K)

"Growing Acceptance of Account Aggregation," Newsletter article, September 2001 (PDF 103K)

"The P-2-P Payments Proposition," Newsletter article, March 2001 (PDF 303K)

"Electronic Checks on the Upswing," Newsletter article, January 2001 (PDF 137K)

Speeches

The Importance of Nonbanks in the Payments System
NACHA - The Electronic Payments Association 2005 Conference, San Antonio, Texas
with Stuart E. Weiner, April 11, 2005 (PDF, 298K)

Biography	Work in progress
Other publications / related work	Speeches
Research Working Papers	Economic Review articles