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Working Paper
Will electronic money be adopted in the United States?
Although the cashless society that has been predicted for at least 20 years has not yet materialized, the new forms of card- and software-based electronic money may be a partial alternative to current forms of payments. This paper examines some of the factors that will influence the adoption of electronic money, primarily in the United States.
Journal Article
Private money: everything old is new again
For more than 200 years, private money systems have operated in the United States, solving problems similar to those confronting innovative electronic money systems. The high-tech newcomers may be able to benefit from the experience of the low-tech veterans.
Working Paper
Electronic money
An exploration of the issues that must be addressed if stored-value cards and other electronic money systems are to be major payment mechanisms in the global financial market.
Journal Article
Bringing the unbanked onboard
Millions of Americans have no traditional banking relationship. Recent changes in government policy have required a new look at how financial institutions can serve the nation's unbanked population. To win these potential customers over, banks must continue to tailor products and services to their needs and concerns.
Journal Article
The credit union industry--an overview
An introduction to the credit union industry's structure and regulatory environment, offering a brief look at some safety and soundness issues.