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Journal Article
Monetary theory and electronic money : reflections on the Kenyan experience
Townsend, Robert M.; Suri, Tavneet; Jack, William (2010-01)
This article uses a class of models of money and the payments system to inform an analysis of "mobile banking" in the context of the rapid expansion of M-PESA, a new technology in Kenya that allows payments via mobile phones (even without any access to a bank account), and currently reaches close to 38 percent of Kenyan adults. The separation of households and firms in space and time suggests, in theory, from various separate models, a number of implications. These include (i) the potential gain, under some circumstances, from allowing net e-money credit creation, (ii) the impact that the ...
Economic Quarterly , Volume 96 , Issue 1Q , Pages 83-122

Journal Article
Risky business
Sumo, Vanessa (2007-07)
Econ Focus , Volume 11 , Issue Sum , Pages 16-19

Working Paper
Payment system settlement and bank incentives
Roberds, William; Kahn, Charles M. (1996)
In this paper we consider the relative merits of net versus gross settlement of interbank payments. Net settlement economizes on the costs of holding non-interest-bearing reserves but increases moral hazard problems. The "put option" value of default under net settlement can also distort banks' investment incentives. ; Absent these distortions, net settlement dominates gross, although the optimal net settlement scheme may involve a positive probability of default. Net settlement becomes more attractive relative to gross settlement if bank assets have to be liquidated at less than book value.
FRB Atlanta Working Paper , Paper 96-10

Journal Article
Federal Reserve: Putting banks to the stress test: Will banks be ready for the next crisis? Stress tests aim to find out
Rubinstein, Seth (2012-10)
Related Links: https://www.richmondfed.org/-/media/richmondfedorg/publications/research/econ_focus/2012/q4/federal_reserve_weblinks.cfm
Econ Focus , Volume 16 , Issue 4Q , Pages 6-8

Conference Paper
Risk management in financial institutions
Bernanke, Ben S. (2008)
Proceedings , Paper 1070

Journal Article
The impact of poverty on the location of financial establishments: evidence from across-county data
Riggs, T. Lynn; Newberger, Robin G. (2006-04)
The location of bank branches is an important issue for consumer advocates and other groups that monitor access to financial services for low- and moderate income people. The proximity of banks and their branches to the places where people live and work is one basic element of mainstream financial access. The ability of people to choose from an array of financial products, especially those offered through the banking system, is fundamentally related to the economic well-being of a community.
Profitwise , Issue Apr , Pages 2-5

Speech
Welcoming Remarks: Thirteenth Annual International Banking Conference
Evans, Charles L. (2010-09-23)
Welcoming remarks delivered by Charles Evans before the Thirteenth Annual International Banking Conference on September 23, 2010, in Chicago, IL.
Speech , Paper 46

Working Paper
Modeling Your Stress Away
Stebunovs, Viktors; Niepmann, Friederike (2018-07-19)
We investigate systematic changes in banks' projected credit losses between the 2014 and 2016 EBA stress tests, employing methodology from Philippon et al. (2017). We find that projected credit losses were smoothed across the tests through systematic model adjustments. Those banks whose losses would have increased the most from 2014 to 2016 due to changes in the supervisory scenarios-keeping the models constant and controlling for changes in the riskiness of underlying portfolios-saw the largest decrease in losses due to model changes. Model changes were more pronounced for banks that rely ...
International Finance Discussion Papers , Paper 1232

Journal Article
Money and inflation in a deregulated financial environment
Rosenblum, Harvey; Cox, W. Michael (1989-05)
Economic and Financial Policy Review , Issue May , Pages 1-19

Speech
A new era of bank supervision
Dahlgren, Sarah J. (2011)
Remarks at the New York Bankers Association Financial Services Forum, New York City.
Speech , Paper 65

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