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Keywords:Debit cards 

Conference Paper
Interchange fees : antitrust and regulatory perspectives : general discussion

Proceedings – Payments System Research Conferences , Issue May , Pages 248-264

Conference Paper
What do we know about interchange fees and what does it mean for public policy? : commentary on Evans and Schmalensee

Proceedings – Payments System Research Conferences , Issue May , Pages 121-137

Discussion Paper
Effects of credit scores on consumer payment choice

This paper investigates the effects of credit scores on consumer payment behavior, especially on debit and credit card use. Anecdotally, a negative relationship between debit card use and credit score has been reported; however, it is not clear whether that relationship is related to other factors, such as education or income, or whether it is a mere correlation. We use a new consumer survey dataset to examine whether this negative relationship holds after controlling for various consumer characteristics, including demographic and financial characteristics, consumers' perceptions toward ...
Public Policy Discussion Paper , Paper 12-1

Discussion Paper
Credit, debit, or ACH: consequences & liabilities a comparison of the differences in consumer liabilities

A number of recent initiatives have encouraged use of debit cards and ACH debits/credits for Internet sales transactions. This paper outlines the different statutory and regulatory protections available to consumers and financial institution based upon the method by which payment is made.
Occasional Paper; Emerging Payments , Paper EPS-2001-3

Conference Paper
General discussion : industry panel

Proceedings – Payments System Research Conferences , Issue May , Pages 191-204

Discussion Paper
Why don’t most merchants use price discounts to steer consumer payment choice?

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

Conference Paper
Online payments: challenges and opportunities

Proceedings , Paper 750

Journal Article
Banking industry evolution along the Texas-Mexico border

Southwest Economy , Issue Jul , Pages 11-13

Working Paper
Preferences for banking and payment services among low- and moderate-income households

This paper characterizes the features of an account-based payment card--including bank debit cards, prepaid debit cards, and payroll cards--that elicit a high take-rate among low- and moderate-income (LMI) households, particularly those without bank accounts. We apply marketing research techniques, specifically choice modeling, to identify the design of a specific financial services product for LMI households, who often face difficulties maintaining standard bank accounts but need banking services. After monthly cost, we find that, on average, non-monetary features of a payment card, such as ...
Finance and Economics Discussion Series , Paper 2011-13

Discussion Paper
The Credit CARD act of 2009 and prepaid cards

Recently enacted federal legislation contains a number of provisions that will affect the prepaid card industry. This note highlights some of these provisions, discusses how they might shape the prepaid card industry, and outlines the debate over whether prepaid cards should be defined as "monetary instruments" under federal law.
Consumer Finance Institute discussion papers , Paper 09-03

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Hayashi, Fumiko 8 items

Weiner, Stuart E. 6 items

Stavins, Joanna 5 items

Sullivan, Richard J. 5 items

Brouwer, Hendrik J. 3 items

Shy, Oz 3 items

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