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Author:Maniff, Jesse Leigh 

Working Paper
Driver of choice? the cost of financial products for unbanked consumers

This paper examines whether some of the unbanked consumers' choice of general purpose reloadable (GPR) prepaid cards over checking accounts and alternative financial service (AFS) products can be explained by the cost incurred by those consumers. We compare the three types of products by constructing consumer models based on the actual behavior of GPR prepaid cardholders and applying those models to the fee schedules of actual products offered in the market. Overdrafts are a major factor affecting the cost rankings. For consumers who regularly or occasionally overdraw their accounts, checking ...
Research Working Paper , Paper RWP 15-15

Journal Article
Data Breach Notification Laws

Richard J. Sullivan and Jesse Leigh Maniff study individual provisions within states' data breach notification laws to evaluate their effects on identity theft.
Economic Review , Issue Q I , Pages 65-85

Briefing
Competition and Coordination: The Card Network Balancing Act

Payments System Research Briefing

Journal Article
Banking on Distributed Ledger Technology: Can It Help Banks Address Financial Inclusion?

Despite its promise, distributed ledger technology is unlikely to draw unbanked consumers into the financial mainstream
Economic Review , Issue Q III , Pages 53-77

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

Briefing
Still on Trial? The Court’s Use of Economic Analysis in the American Express Case

In a 2018 antitrust case, the Supreme Court ruled that American Express did not break federal laws in prohibiting merchants from steering consumers to alternative payment methods. However, some antitrust scholars disagree with how the court defined the relevant market and determined anticompetitive effects, and are concerned that the decision will make it more difficult to bring antitrust cases against payment platforms in the future.
Payments System Research Briefing

Briefing
Interchange fees and network rules: a shift from antitrust litigation to regulatory measures in various countries

This article summarizes the global trends in public authority involvement in payment card pricing and rules, examines reasons for the shift to regulatory measures, and considers potential implications for the United States.
Payments System Research Briefing , Issue Oct , Pages 1-5

Briefing
Motives Matter: Examining Potential Tension in Central Bank Digital Currency Designs

As a new central bank liability, central bank digital currency (CBDC) has the potential to address various issues within current payments and financial systems. The motivation behind a CBDC will determine how it is designed; a CBDC designed to achieve one goal, such as broader financial inclusion, may have difficulty achieving other objectives.
Payments System Research Briefing

Briefing
How Did We Get Here? From Observing Private Currencies to Exploring Central Bank Digital Currency

The emergence of private digital currencies has inspired discussion over the possibility of central bank-issued digital currencies. While privately issued currencies are not new, the rise of digital currencies has highlighted both concerns and opportunities for central banks.
Payments System Research Briefing

Journal Article
Safe-Haven Performance in the Age of Bitcoin

In past periods of financial stress, investors seeking “safe havens” have shifted toward government bonds and gold. In recent years, some have questioned whether Bitcoin could also serve as a safe haven. We compare the behavior of government bonds, gold, and Bitcoin from January 1995 through February 2020 and find that the 10-year Treasury note behaved like a safe haven consistently, gold occasionally, and Bitcoin never. During March 2020, however, none of the assets can be classified with confidence as a safe haven.
Economic Bulletin , Issue April 15, 2020 , Pages 4

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