Journal Article
Mobile payments : merchants’ perspectives
AUTHORS: Hayashi, Fumiko; Bradford, Terri
DATE: 2014

Journal Article
New person-to-person payment methods: have checks met their match?
The last decade has seen a surge in new methods for making person-to-person (P2P) payments. Despite the surge, studies show that U.S. consumers still prefer to make P2P payments with checks and cash. In fact, P2P payments by check are the only method of payment that is still increasing. ; Bradford and Keeton provide a detailed analysis of how each of the new P2P payment methods works and evaluate the extent to which they meet consumers? needs in terms of speed, payer control, security and universality. The authors then provide a summary of the gaps that remain in P2P payments services and discuss the role the Federal Reserve could play in facilitating innovation in this area.
AUTHORS: Bradford, Terri; Keeton, William R.
DATE: 2012

Briefing
The evolution of the ACH
AUTHORS: Bradford, Terri
DATE: 2007

Briefing
The Puzzle of Payments Security: Fitting the Pieces Together to Protect the Retail Payments System
This article offers highlights from the Federal Reserve Bank of Kansas City's fifth international payments conference, "The Puzzle of Retail Payments Security: Fitting the Pieces Together to Protect the Retail Payments System," hosted June 25-26, 2015.
AUTHORS: Bradford, Terri
DATE: 2015

Briefing
Change is Coming: What the EMV Migration May Mean for Payments Innovation
This article considers how the upcoming shift from magnetic stripe to chip technology may affect the survival of card-based payment innovations.
AUTHORS: Bradford, Terri; Maniff, Jesse Leigh
DATE: 2015

Briefing
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.
AUTHORS: Bradford, Terri; Weiner, Stuart E.
DATE: 2005

Briefing
Where social networks, payments and banking intersect
This article explores opportunities and risks emerging from a relatively new phenomenon: The rise of commerce, banking and payments services marketed and offered through social media.
AUTHORS: Bradford, Terri
DATE: 2012

Briefing
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.
AUTHORS: Bradford, Terri; Hung, Christian
DATE: 2008

Briefing
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.
AUTHORS: Bradford, Terri
DATE: 2006

Briefing
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.
AUTHORS: Bradford, Terri
DATE: 2009