Search Results
Briefing
The Appeal and Proliferation of Buy Now, Pay Later: Consumer and Merchant Perspectives
Use of buy now, pay later (BNPL) payment products has been growing in the United States. We explore the benefits and risks of BNPL products for consumers and merchants.
Briefing
As Earned Wage Access Grows, Oversight Tries to Catch Up
Earned wage access (EWA) services have grown in popularity as more providers offer them and more businesses and consumers use them. However, the complex fee structures and high costs of EWA, as well as some users’ heavy reliance on these services, have raised concerns. Regulatory and legislative bodies have begun to respond to these concerns, with states taking the lead in proposing or passing EWA legislation.
Briefing
Payments fraud : consumer considerations
This article examines the potential for fraud associated with various "traditional" payment methods and the protective measures that consumers should take when using them.
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Developments in merchant acquiring
This article discusses the origin and roles of merchant acquiring; the models for acquiring; and relevant developments in legislation, PCI compliance, and the Single Euro Payments Area.
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Backward Glance While Looking Forward
This article takes a backward glance at some of the early emerging payments nearly a decade after their introduction and examines their status today and where they may be heading.
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Payment types at the point of sale : merchant considerations
There are various costs associated with accepting alternative payment types. These costs are a serious merchant consideration.
Journal Article
Mobile payments : merchants’ perspectives
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Developments of QR Code-Based Mobile Payments in East Asia
Initiatives facilitating QR code-based mobile payments in Japan, Singapore, and Hong Kong may address some pain points of banks, nonbanks, and merchants, but whether they address consumers’ depends on factors such as fragmentation and overall digital commerce experience
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Who's processing your payments?
This article looks at the many roles nonbanks play in payments activities and the oversight questions that arise as a result.
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Paper, plastic... or phone?
This article examines mobile-phone payment and banking alternatives in the United States. It explores prospects for growth, available technologies, and the outlook for one or more technologies coming to dominate the market.