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Author:Bradford, Terri 

Walmart Checking and Apple Savings: Different Motivations, Similar Outcomes?

Walmart and Apple have announced plans to offer traditional financial accounts. Walmart’s consumer checking account may advance financial inclusion by increasing account access to unbanked and underbanked consumers. Apple’s consumer savings account may change how credit card issuers offer rewards to their customers. Both offerings are likely to increase competition in the financial services industry, though whether they ultimately benefit consumers remains to be seen.
Payments System Research Briefing , Issue November 30, 2022 , Pages 5

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.
Payments System Research Briefing , Issue May

The Rise of Buy Now, Pay Later: Bank and Payment Network Perspectives and Regulatory Considerations

Buy now, pay later (BNPL) products offered by fintechs have gained traction among consumers andmerchants in recent years and could compete with credit cards as a payment option. We explore thereactions of banks and payment networks to BNPL products as well as the current regulatory environment.
Payments System Research Briefing , Issue December 1, 2021 , Pages 6

Are Contactless Payments Finally Poised for Adoption?

Two types of contactless payments, near-field communication (NFC) and quick response (QR) code, have seen a boost from the COVID-19 pandemic.
Payments System Research Briefing

International remittances

This article describes some of the means by which individuals remit funds internationally -- informal networks, money transfer operators, financial institutions and other options -- and discusses some of the factors that may influence the choice of provider.
Payments System Research Briefing , Issue Dec

Contactless: the next payment wave?

This article explores the evolution of contactless payments, whose use will likely increase and could have an important impact on the payments landscape.
Payments System Research Briefing , Issue Dec

In the Nick of Time: The Rise of Earned Wage Access

Fintech programs that provide employees access to earned wages ahead of payday have gained popularity during the COVID-19 pandemic. Although consumers benefit from greater financial flexibility, such programs may involve risks.
Payments System Research 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.
Payments System Research Briefing , Issue April

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 ...
Economic Review , Volume 97 , Issue Q III

Stored-value cards: a card for every reason

This article discusses the various uses of stored-value cards and the different degrees of their use and acceptance four years after their introduction.
Payments System Research Briefing , Issue Jun



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