Payment services and the evolution of Internet banking
A review of bank web sites conducted by Payments System Research staff shows how essential online banking has become to the payments system.
The evolution of the ACH
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.
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.
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.
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.
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.
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.
An Update on Interchange Legislation in the United States
This article provides a summary of recent developments in interchange legislation in the United States as well as the recently released Government Accountability Office report detailing its findings on interchange fees.
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.