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Bank:Federal Reserve Bank of Kansas City  Series:Payments System Research Briefing 

Briefing
Paper, plastic... or phone?

This article examines mobile-phone payment and banking alternatives in the United States. It explores prospects for growth, available technologies, and the outlook for one or more technologies coming to dominate the market.
Payments System Research Briefing , Issue Dec

Briefing
Neobanks: Banks by Any Other Name?

Neobanks, or digital banks, are bank-like providers of financial services that operate through apps and aim to appeal to different consumer groups through innovative features and design. Whether or not neobanks evolve into full banks, they have the potential to affect the traditional banking model.
Payments System Research Briefing

Briefing
International remittances

This article describes some of the means by which individuals remit funds internationally -- informal networks, money transfer operators, financial institutions and other options -- and discusses some of the factors that may influence the choice of provider.
Payments System Research Briefing , Issue Dec

Briefing
Payment types at the point of sale : merchant considerations

There are various costs associated with accepting alternative payment types. These costs are a serious merchant consideration.
Payments System Research Briefing , Issue Dec

Briefing
A new era

The U.S. payments system has entered a new era ? one that is witnessing a marked decline in the use of paper checks and a sharp increase in the use of electronic payments.
Payments System Research Briefing , Issue Mar

Briefing
The U.S. retail payments system in transition : Federal Reserve initiatives

This article explores the changing landscape of U.S. retail payments: trends, the Fed's role, and the future of payments.
Payments System Research Briefing , Issue Aug

Briefing
Digital, Financial, and Health Insurance Exclusion Experienced by Low-Income Households

Many low-income households are excluded from essential services such as home internet access, bank accounts, and health insurance coverage. We examine to what degree low-income households experience digital, financial, and health insurance exclusion and assess whether education and race are correlated with exclusion. We find that more than 10 percent of low-income households experienced multiple types of exclusion in 2019, with more pronounced results for households with lower educational attainment.
Payments System Research Briefing , Issue July 7, 2021 , Pages 9

Briefing
An Update on Interchange Legislation in the United States

This article provides a summary of recent developments in interchange legislation in the United States as well as the recently released Government Accountability Office report detailing its findings on interchange fees.
Payments System Research Briefing , Issue December , Pages 1-5

Briefing
Contactless: the next payment wave?

This article explores the evolution of contactless payments, whose use will likely increase and could have an important impact on the payments landscape.
Payments System Research Briefing , Issue Dec

Briefing
The Puzzle of Payments Security: Fitting the Pieces Together to Protect the Retail Payments System

This article offers highlights from the Federal Reserve Bank of Kansas City's fifth international payments conference, "The Puzzle of Retail Payments Security: Fitting the Pieces Together to Protect the Retail Payments System," hosted June 25-26, 2015.
Payments System Research Briefing , Issue Oct. , Pages 1-5

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