Banking and Payments Research
Research staff analyze domestic and international payments systems as well as the banking industry.
Recent Articles
Community Banks Have Maintained Profitability in a High-Interest Rate Environment
Banks that rebalanced their assets and retained stable deposit bases were more profitable during recent interest rate hikes.
Game Changer: The Evolution of Video Games’ Payments Infrastructure
Video games’ evolving revenue models and payments infrastructure have helped the industry boom.
Subprime Credit Card Delinquencies Have Fallen
The subprime credit card delinquency rate declined recently alongside subprime credit card purchases and annual percentage rates.
Debit Card Interchange Fees Charged to Small Merchants After Regulation II
Exempt debit card interchange fees did not decrease broadly for small merchants after Regulation II.
Interest Rates and Nonbank Market Share in the U.S. Mortgage Market
Differences in business models help explain how banks gain market share from nonbanks when interest rates are high.
Did Card-Present Fraud Rates Decline in the United States After the Migration to Chip Cards?
The counterfeit fraud rate has not declined for debit cards since the migration to EMV chip-cards.
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.
Guide to ATM and Debit Card Industry - 2006 Update
This book is a 2006 update that documents industry trends and patterns and discusses their implications.
Guide 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.
Nonbanks 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.