Banking and Payments Research
Research staff analyze domestic and international payments systems as well as the banking industry.
Recent Articles
The Role of Nonbanks and Fintechs in Boosting India’s UPI Person-to-Merchant Transactions
Nonbank and fintech services have helped expand the use of India’s instant payment system for person-to-merchant payments.
Considerations for the Longer-Run Maturity Composition of the Federal Reserve’s Treasury Portfolio
In the long run, policymakers may prefer to return to a shorter-duration Treasury portfolio like the Fed maintained before 2008.
Why Haven’t Recent Rate Increases Slowed the Economy More?
Low private-lending spreads may explain why borrowers haven’t been deterred by rate hikes.
Are Firms Hoarding Cash Post-Pandemic?
Firms are holding more cash now than before the pandemic, but their reasons for holding it remain the same.
As Earned Wage Access Grows, Oversight Tries to Catch Up
The growing popularity of earned wage access services has raised concerns for consumers, with some states beginning to respond.
The Role of Core Banking Services Providers in Facilitating Instant Payments
Depository institutions rely on core services providers for support in key areas to implement instant payments.
Banking and Payments Resources
Payments Resources
Payments System Research Briefings
Our briefings cover payments methods, developments in payments networks, and various participants' roles in the payments system.
Payments System Research Working Papers
Our paper topics include payments methods, developments in payments networks and various participants' roles in the payments system.
Interchange Fees
An annual update of credit and debit card interchange fees in various countries, regulatory developments in the payment card markets, and trends in interchange fees assessed to U.S. merchants.
Payment Conferences Proceedings
Our international payments policy conferences focus on timely and important topics.
PDFGuide to ATM and Debit Card Industry - 2006 Update
This book is a 2006 update that documents industry trends and patterns and discusses their implications.
PDFGuide to ATM and Debit Card Industry
This book provides an overview of the history and development of the ATM and debit card industry, details the mechanics of ATM and debit transactions, reviews trends in ATM and debit transaction volume and pricing, and discusses industry and public policy issues.
PDFNonbanks in the Payments System
This book examines nonbank participation of payments activities and the roles nonbanks play in specific transaction types.
Banking Resources
Small Business Lending Survey
Quarterly collection of quantitative and qualitative information that can be used to understand credit market conditions for bank lending to small businesses.
Bank Capital Analysis
The Bank Capital Analysis provides a horizontal comparison of capital adequacy among banking organizations with different risk profiles.