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Author:Wenninger, John 

Report
The relationship between the federal funds rate and economic activity

Research Paper , Paper 9406

Report
Consumer payments over open computer networks

The increasing prospects for large volumes of commerce taking place over open computer networks has created considerable interest in the security and technology of open computer network commerce. In this paper, we explain how the basic encryption technology for sending secure messages works, and how this technology can be used to create electronic payment instruments, including cash, credit card, and check payments. We also review briefly the necessary elements required to support encryption technology: (1) a certification authority, (2) mathematical complexity of the encryption formulas, (3) ...
Research Paper , Paper 9603

Report
Federal Reserve operating procedures and institutional change

Research Paper , Paper 9223

Journal Article
Technology: driving specialization or enabling diversification (or both)?

Economic Policy Review , Issue Oct , Pages 67-72

Journal Article
Financial transactions and the demand for M1

Quarterly Review , Volume 11 , Issue Sum

Journal Article
Current labor market trends and inflation

Quarterly Review , Volume 12 , Issue Aut

Report
Ongoing restructuring of retail banking

The largest U.S. commercial banks are currently in the process of restructuring their retail operations. This paper describes the innovations that are being adopted, explains the integrated strategies for restructuring, and reviews the policy issues that emerge. We find that banks are restructuring by developing complete customer-relationship profiles, switching over to remote electronic delivery channels (phone centers, home banking, and next-generation ATMs), relocating branches to large retail outlets, and redesigning selected branches as investment centers. The immediate goal of ...
Research Paper , Paper 9634

Journal Article
The emerging role of banks in e-commerce

How is the banking industry responding to the rapid development of on-line commerce? Evidence suggests that many banks are beginning to deliver credit and deposit products electronically. In addition, some large banks are developing products designed exclusively for e-commerce. As banks venture into the electronic arena, however, they are finding that new opportunities bring new operational and strategic risks.
Current Issues in Economics and Finance , Volume 6 , Issue Mar

Journal Article
Exploring the effects of capital movements on M1 and the economy

Quarterly Review , Volume 12 , Issue Sum

Journal Article
Bank branches in supermarkets

The largest U.S. commercial banks are restructuring their retail operations to reduce the cost disadvantage resulting from a stagnant deposit base and stiffer competition. As part of this effort, some banks are opening "supermarket," or "in-store," branches: a new type of banking office within a large retail outlet. An alternative to the traditional bank office, the supermarket branch enables banks to improve the efficiency of the branch network and offer greater convenience to customers.
Current Issues in Economics and Finance , Volume 2 , Issue Dec

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