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Conference Paper
Interchange fees in various countries : developments and determinants : commentary on Weiner and Wright
Frankel, Alan S. (2005-05)
Proceedings – Payments System Research Conferences , Issue May , Pages 51-64

Report
2023 Survey and Diary of Consumer Payment Choice
Foster, Kevin; Greene, Claire; Stavins, Joanna (2024-06-03)
For 2023, the Survey and Diary of Consumer Payment choice found the following: • US consumers made more payments in 2023. o Compared to October 2022, there were statistically significant increases in the number of all payments (to 45.6 on average per month), in the number of all types of card payments (29.5), and in payments via mobile app (13). o The share of purchases made remotely increased to 22 percent, up 4 percentage points from 2022 and more than double the share of remote purchases before the COVID-19 pandemic. • Mobile has won over three-quarters of US consumers. o 72 percent of ...
Consumer Payments Research Data Reports , Paper 2024-01

Conference Paper
Workshop overview
Barron, Patrick; Perrit, Henry H.; Vartanian, Thomas P.; Allen, Catherine (1999)
Proceedings , Paper 655

Conference Paper
The payment provider perspective
Weisman, David; Ollenburg, Steven; Fox, Gerald R. (1999)
Proceedings , Paper 657

Report
2019 Diary of Consumer Payment Choice
Greene, Claire; Stavins, Joanna (2020-06-15)
In October 2019, almost half of all payments (43 percent) U.S. consumers made were for groceries, gas, and shopping, both in person and online. The distribution was different by value, as 40 percent of payments were for financial services, including mortgages, credit card bills, other loan payments, insurance, investments, and so on. The most commonly used payment instruments were debit cards, cash, and credit cards, which jointly accounted for 80 percent of all payments by number and 37 percent by value. By value, about 40 percent of consumer payments were made via ACH payments, executed ...
Consumer Payments Research Data Reports , Paper 2020-04

Journal Article
Interchange fees in credit and debit card markets : what role for public authorities
Sullivan, Richard J.; Pacheco, Barbara (2006-01)
Credit and especially debit card transactions are on the rise worldwide. Interchange fees are an integral part of the pricing structure of credit and debit card transactions. Indirectly paid by merchants to card issuers, interchange fees in most countries are set by credit and debit card networks. But in one country, Australia, the central bank is regulating interchange fees, and in several other countries and areas, including the European Union, Mexico, the Netherlands, Spain, and the United Kingdom, public officials are taking, or considering taking, a more hands-on regulatory stance. In ...
Economic Review , Volume 91 , Issue Q I , Pages 87-113

Discussion Paper
Assessing the impact of electronic benefits transfer on America's communities and the U.S. payment system
anonymous (2005)
The Center co-sponsored this conference with the Community Affairs Department and the Electronic Funds Transfer Association?s EBT Industry Council. The purpose of the conference was to provide a forum for community, banking, and payment industry leaders on the future of EBT. The sessions provided an understanding of what EBT is, an assessment of its impact on communities, an examination of its legacy as a payment system, and a look ahead to its continuing role in American communities
Consumer Finance Institute discussion papers , Paper 05-02

Discussion Paper
Why don’t most merchants use price discounts to steer consumer payment choice?
Shy, Oz; Briglevics, Tamas (2012)
Recent legislation and court settlements in the United States allow merchants to use price discounts to steer customers to pay with means of payment that are less costly to merchants. This paper suggests one method of calculating merchants? change in profit associated with giving price discounts to buyers who pay with debit cards and cash. We use data from the pilot of the Boston Fed?s Diary of Consumer Payment Choice to compute rough estimates of the expected net cost reduction by merchant type that may result from debit card and cash price discounts. We find that steering consumers to debit ...
Public Policy Discussion Paper , Paper 12-9

Working Paper
Pricing and welfare implications of payment card network competition
Hayashi, Fumiko (2006)
This paper examines how competition among payment card networks three-party scheme networks and four-party scheme networks affects pricing as well as the welfare of various parties. A competing network has an incentive to provide rewards to its card users. By providing more generous rewards than its rival networks, the network can increase its own card transactions because multihoming cardholders who hold multiple networks cards choose to use its card instead of using its rivals. Although a monopoly network does not have such an incentive, in a monopoly four-party scheme network, competition ...
Payments System Research Working Paper , Paper PSR WP 06-03

Journal Article
Banking industry evolution along the Texas-Mexico border
Phillips, Keith R.; Lopez, Jose Joaquin (2007-07)
Southwest Economy , Issue Jul , Pages 11-13

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