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Journal Article
Checks enter the electronic age
Walter, John R. (2004-01)
Econ Focus , Volume 8 , Issue Win , Pages 4

Working Paper
Families' use of payment instruments during a decade of change in the U.S. payment system
Klee, Elizabeth C. (2006)
In the U.S., the share of payments made "electronically"--with credit cards, debit cards, and direct payments--grew from 25 percent in 1995 to over 50 percent in 2002 (BIS, 2004). This paper frames this aggregate change in the context of individual behavior. Family level data indicate that the share of families using or holding these instruments also increased over the same period. The personal characteristics that predict use and holdings are relatively constant over time. Furthermore, the results indicate that the aggregate change may be correlated with a greater incidence in ...
Finance and Economics Discussion Series , Paper 2006-01

Working Paper
Why are (some) consumers (finally) writing fewer checks?: the role of payment characteristics
Stavins, Joanna; Schuh, Scott (2009)
Since the mid-1990s, the U.S. payment system has been undergoing a transformation featuring a significant decline in the use of paper checks that has been quite uneven across consumers and not well understood. This paper estimates econometric models of consumers? adoption (extensive margin) and use (intensive margin) of checks plus six other common U.S. payment instruments, using a comprehensive new data source on consumer payment choice. We find that payment characteristics are the most important determinants of payment instrument use. Plausible changes in the relative convenience and cost ...
Working Papers , Paper 09-1

Journal Article
The use of cash and transaction accounts by American families
Kennickell, Arthur B.; Spindt, Paul A.; Elliehausen, Gregory E.; Avery, Robert B. (1986-02)
Federal Reserve Bulletin , Issue Feb

Journal Article
Why do we use so many checks?
McHugh, Timothy; Chakravorti, Sujit (2002-07)
The authors identify underlying disincentives for payment system participants to migrate to electronic payments. Their analysis sheds light on why check usage remains higher in the United States relative to other industrialized countries when the real resource cost of processing payments may decrease by using electronic payment networks.
Economic Perspectives , Volume 26 , Issue Q III , Pages 44-59

Speech
Enhancing payment system speed, efficiency and security
Cumming, Christine M. (2013)
Keynote remarks at the TCH Annual Payments Symposium and Business Meeting, New York City.
Speech , Paper 111

Journal Article
Check-cashing outlets in the U.S. financial system
Caskey, John P. (1991-11)
Economic Review , Volume 76 , Issue Nov , Pages 53-67

Journal Article
Saves time and money : check images replace paper
Femlee, Alice (2004-10)
Econ Focus , Volume 8 , Issue Fall , Pages 10

Journal Article
Check clearing in the 21st Century: where are my checks?
Hatcher, Desiree (2005-03)
Financial institutions are understandably concerned with the technological and procedural implications of Check 21, but smoothing the transition with customers ultimately may prove to be the key challenge. Millions of people still use paper checks and won?t be happy to find facsimiles returned in their monthly statements.
Profitwise , Issue Mar , Pages 12-15

Journal Article
Risky business: clearing checks during banking crises
Robinson, Kenneth J.; Clair, Robert T.; Kolson, Joanna (1994-10)
Southwest Economy , Issue Oct , Pages 5-6, 8

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