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Working Paper
Consumer use of credit cards: evidence from recent surveys
Canner, Glenn B. (1987)
Working Papers in Banking, Finance and Microeconomics , Paper 87-3

Journal Article
Merchant acquirers and payment card processors: a look inside the black box
DeGennaro, Ramon P. (2006-01-01)
Each year, hundreds of millions of credit and debit cardholders make billions of transactions worth trillions of dollars. Yet few consumers are aware that such transactions travel through, and are made possible by a highly evolved group of intermediaries that sign up merchants to accept cards, handle card transactions, manage the dispute-resolution process, and, along with regulatory agencies, set rules that govern card transactions. ; This article demystifies the ?Black Box? of the transactions process for payment cards. After describing a simple transaction with a private-label card, the ...
Economic Review , Volume 91 , Issue Q 1 , Pages 27-42

Conference Paper
Electronic bill payment: challenges and opportunities
Patel, Jeetu; Braco, Ron; Ganesan, Ravi; Lawlor, Matt; Tedesco, John P. (2000)
Proceedings , Paper 751

Working Paper
Measuring household spending and payment habits: the role of “typical” and “specific” time frames in survey questions
Kapteyn, Arie; Angrisani, Marco; Schuh, Scott (2012)
We designed and fielded an experimental module in the American Life Panel (ALP) where we ask individuals to report the number of their purchases and the amount paid by debit cards, cash, credit cards, and personal checks. The design of the experiment features several stages of randomization. First, three different groups of sample participants are randomly assigned to an entry month (July, August, or September, 2011) and are to be interviewed four times during a year, once every quarter. Second, for each method of payment a sequence of questions elicits spending behavior during a day, week, ...
Working Papers , Paper 12-7

Journal Article
Economics of payment cards: a status report
Bolt, Wilko; Chakravorti, Sujit (2008-10)
This article surveys the recent theoretical literature on payment cards (focusing on debit and credit cards) and studies this research's possible implications for the current public policy debate over payment card networks and the pricing of their services for both consumers and merchants.
Economic Perspectives , Volume 32 , Issue Q IV , Pages 15-27

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

Discussion Paper
Financial management tools and consumer confidence: chase blueprint
Santucci, Lawrence (2015-10-13)
On March 10, 2015, the Payment Cards Center hosted a workshop on the development and performance of Blueprint, a set of money management features developed by JPMorgan Chase & Co. (Chase) and available with several of Chase?s credit cards. The workshop featured presentations by Thomas O?Donnell, managing director of Chase Consumer and Community Banking Quality, and Florian Egg-Krings, general manager of the Slate and Blueprint portfolios. O?Donnell discussed the development of Blueprint, a process that began during the financial crisis and the Great Recession of 2007?2009. Egg-Krings then ...
Consumer Finance Institute discussion papers , Paper 15-4

Journal Article
Fed proposes clarifications to rules about credit card accounts
anonymous (2009)
Banking and credit agencies have proposed clarifications to some recently enacted rules. The clarifications would prohibit certain credit card practices and improve the disclosures consumers receive about credit card accounts and other revolving credit card plans.
Financial Update , Volume 22 , Issue 2

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

Working Paper
The economics of debt collection: enforcement of consumer credit contracts
Hunt, Robert M.; Fedaseyeu, Viktar (2015-11-01)
Superceded by WP 18-04 In the U.S., creditors often outsource the task of obtaining repayment from defaulting borrowers to third-party debt collection agencies. This paper argues that an important incentive for this is creditors' concerns about their reputations. Using a model along the lines of the common agency framework, we show that, under certain conditions, debt collection agencies use harsher debt collection practices than original creditors would use on their own. This appears to be consistent with empirical evidence. The model also fits several other empirical facts about the ...
Working Papers , Paper 15-43

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