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Author:Jacob, Katy 

Journal Article
A focus group study of Latin American immigrants' financial behaviors

The subject of U.S. immigration ? particularly more recent immigration trends ? has generated many contentious debates around crime, impacts of worker skill levels on economic growth patterns, and on relative wage rates, among other areas. Further, analysis and focused studies of immigrant populations reveal varied and disjointed economic behaviors.
Profitwise , Issue Dec , Pages 1-7

Journal Article
The efficiency and integrity of payment card systems: industry views on the risks posed by data breaches

To examine the adequacy of existing efforts to prevent, manage, and mitigate data breaches and other fraud in card-based payment systems, the authors conducted 17 interviews of various payment industry participants in 2009. This article documents the insights gained from the interviews, which consider the need for greater cooperation, sharing of relevant information, and innovation to stay ahead of the criminals that perpetrate payment card fraud with increasingly sophisticated methods.
Economic Perspectives , Volume 36 , Issue Q IV , Pages 130-146

Journal Article
Payments fraud: perception versus reality - a conference summary

The authors highlight key issues from the presentations, keynote addresses, and open floor discussions at the Federal Reserve Bank of Chicago's eighth annual Payments Conference. The conference's agenda appears at the end of this article.
Economic Perspectives , Volume 33 , Issue Q I , Pages 7-13

Journal Article
Clarifying Liability for Twenty-First-Century Payment Fraud

This article examines the governance structure of retail payments in the United States, provides an overview of payment fraud, and discusses in depth the liability frameworks for fraud involving specific payment methods. It also presents a series of recommendations that describe how the public sector might work together with the private sector to reduce fraud risks by clarifying liability for fraud.
Economic Perspectives , Issue Q IV

Evaluating the potential of immediate funds transfer for general-purpose payments in the United States

Immediate funds transfer (IFT) is a convenient, certain, secure, and low-cost means of electronically transferring money between bank accounts with no or minimal delay in receivers? receipt and use of funds. Yet IFT is not widely available in the U.S. This article summarizes discussions on the potential for IFT in the U.S. held at the Symposium on Immediate Funds Transfer for General-Purpose Payments, sponsored by the Federal Reserve Bank of Chicago, on September 7, 2011.
Chicago Fed Letter , Issue Nov

After the financial crisis: the future of payment innovations

The Federal Reserve Bank of Chicago hosted its tenth annual Payments Conference, Payment Innovations in the Wake of the Financial Crisis, on May 20?21, 2010, to discuss emerging trends within the payments industry and new regulation following the financial crisis.research on health and health care policy.
Chicago Fed Letter , Issue Sep

Developing a roadmap to improve the U.S. payment system

On October 22?23, 2012, the Chicago Fed hosted its 12th annual Payments Symposium, where industry leaders convened to evaluate the implications of recent technological changes for the payments industry, including the attendant rise in customer demand for faster, more convenient payment options that are safe and interoperable. Participants proposed a number of ideas that, taken together, could help foster the creation of a roadmap to unify the fragmented payments industry and ultimately improve the payment system.
Chicago Fed Letter , Issue Feb

Exploring the new face of retail payments (special issue)

At the Chicago Fed?s 2011 Payments Conference, held on May 19?20, participants discussed how changes in consumers? behavior in the wake of the financial crisis and recession can translate into opportunities and challenges for both traditional and nascent payment providers. They also focused on the impact of payment innovations and new consumer protection regulations.
Chicago Fed Letter , Issue Sep

Payments pricing: who bears the cost? - a conference summary

As consumers and merchants increasingly adopt electronic payments, the pricing of these services has generated substantial scrutiny by public authorities around the world. To discuss these developments and related issues, the Federal Reserve Bank of Chicago hosted its ninth annual Payments Conference on May 14?15, 2009.
Chicago Fed Letter , Issue Sep

Assessing the landscape of payments fraud

The Federal Reserve Bank of Chicago will host its eighth payments conference on June 5?6, 2008. The conference will highlight threats to the security of the payments system and explore solutions to those challenges. This article previews issues that will be covered at the conference.
Chicago Fed Letter , Issue Jul