Terri R. Bradford is a Specialist in the Payments System function of the Economic Research Department at the Federal Reserve Bank of Kansas City. Among her responsibilities are monitoring and analyzing global payments system developments, authoring articles for the Payments System Research Briefing, a Tenth District publication, and making presentations to internal and external audiences, especially related to emerging payments instruments. Ms. Bradford joined the Federal Reserve Bank of Kansas City in 1989. Prior to joining the Payments System Research Department in 2000, she held various positions in the Retail Payments, Payments System Support, Saving Bonds, and Automation Departments of the Bank. Ms. Bradford received her B.S. degree in business from Kansas State University.
Recent Speeches
- PDFTrends in Payments Systems Mechanisms (03/27/2008)
- PDFPaper, Plastic, or Phone... (A conversation with FSTC) (09/27/2007)
Economic Review Articles
- PDFMobile Payments: Merchants' Perspectives
with Fumiko Hayashi, Second Quarter 2014 - New Person-to-Person Payment Methods: Have Checks Met Their Match?
with William R. Keeton, Third Quarter 2012
District Publications
- “Give Me Some Credit!”: Using Alternative Data to Expand Credit Access
Payments System Research Briefing, June 2023 - Walmart Checking and Apple Savings: Different Motivations, Similar Outcomes?
Payments System Research Briefing, November 2022 - The Cryptic Nature of Black Consumer Cryptocurrency Ownership
Payments System Research Briefing, June 2022 - The Rise of Buy Now, Pay Later: Bank and Payment Network Perspectives and Regulatory Considerations
with Julian Alcazar, Payments System Research Briefing, December 2021 - The Appeal and Proliferation of Buy Now, Pay Later: Consumer and Merchant Perspectives
with Julian Alcazar, Payments System Research Briefing, November 2021 - Are Contactless Payments Finally Poised for Adoption?
Payments System Research Briefing, April 2021 - In the Nick of Time: The Rise of Earned Wage Access
with Julian Alcazar, Payments System Research Briefing, September 2020 - Neobanks: Banks by Any Other Name?
Payments System Research Briefing, August 2020 - Developments of QR Code-Based Mobile Payments in East Asia
with Fumiko Hayashi and Ying Lei Toh, Payments System Research Briefing, June 2019 - PDFBanks Re-enter the P2P Payments Fray: With Mobile, Will this Time Be Different?
Payments System Research Briefing, January 2017 - PDFThe Puzzle of Payments Security: Fitting the Pieces Together to Protect the Retail Payments System
Payments System Research Briefing, October 2015 - PDFChange is Coming: What the EMV Migration May Mean for Payments Innovation
Payments System Research Briefing, April 2015 - PDFWhere Social Networks, Payments and Banking Intersect
Payments System Research Briefing, December 2012 - PDFDevelopments in Merchant Acquiring
with Christian Hung, Payments System Research Briefing, September 2008 - PDFThe Evolution of the ACH
Payments System Research Briefing, December 2007 - PDFNonbanks and Risk in Retail Payments
with Simonetta Rosata, Fumiko Hayashi, Christian Hung, Richard J. Sullivan, Zhu Wang, and Stuart E. Weiner, Proceedings from the Joint ECB-Bank of England Conference on Payments Systems and Financial Stability, Frankfurt, November 12-13, 2007 - PDFComplex Landscapes: Mobile Payments in Japan, South Korea, and the United States
with Fumiko Hayashi, Payments System Research Briefing September 2007 - PDFStored-Value Cards: A Card for Every Reason
Payments System Research Briefing, June 2007 - PDFNonbanks in the Payments System: European and U.S. Perspectives
with Dieter Reichwein, Simonetta Rosati, Nathan Halmrast, Fumiko Hayashi, Richard J. Sullivan, Zhu Wang, and Stuart E. Weiner, Proceedings from the Federal Reserve Bank of Kansas City 2007 International Payments Conference, Nonbanks in the Payments System: Innovation, Competition, and Risk, Santa Fe, NM, May 2-4, 2007 - PDFPaper, Plastic.....or Phone
Payments System Research Briefing, December 2006 - PDFPayments Fraud: Consumer Considerations
Payments System Research Briefing, May 2006 - PDFContactless: The Next Payment Wave?
Payments System Research Briefing, December 2005 - PDFWho's Processing Your Payments?
with Stuart Weiner, Payments System Research Briefing, August 2005 - PDFPayment Types at the Point of Sale: Merchant Considerations
Payments System Research Briefing, December 2004 - PDFThe Many Uses of Stored-Value Cards
Newsletter article, November 2003 - PDFNonbanks in the Payments System
with Matt Davies and Stuart E. Weiner, November 2003 - PDFNonbanks More of a Market Force
Newsletter article, May 2003 - PDFEBPP: How Sharply Will It Grow?
Newsletter article, May 2002 - PDFBanking on the Internet
Newsletter article, February 2002 - PDFGrowing Acceptance of Account Aggregation
Newsletter article, September 2001 - PDFThe P-2-P Payments Proposition
Newsletter article, March 2001 - PDFElectronic Checks on the Upswing
Newsletter article, January 2001