Occasional Papers Series

A series of research studies on topics related to electronic payment systems. The series is primarily aimed toward policy makers, financial institutions, lawyers, technologists, government agencies, and scholars seeking to shape public policy.

Estimating the Volume of Payments-Driven Revenues (PDF,168KB)
Tara Rice and Kristin Stanton (2003)

Evolving Operational Risk Management for Retail Payments (PDF,139KB)
Paul Kellogg (2003)

The Importance of Payments-Driven Revenues to Franchise Value and in Estimating Bank Performance (PDF,152KB)
Tara Rice (2003)

Network Vulnerabilities and Risks in the Retail Payment System (PDF,112KB)
Catharine Lemieux (2003)

Retail Payments Innovations and the Banking Industry (PDF,56KB)
Catharine Lemieux (2003)

Why Invest in Payment Innovations? (PDF,108KB)
Sujit Chakravorti and Emery Kobor (2003)

Financial Account Aggregation: The Liability Perspective (PDF,145KB)
Ann H. Spiotto (2002)

Competition and Innovation in the Consumer e-Payments Market? Considering the Demand, Supply, and Public Policy Issues (PDF,260KB)
Brian Mantel and Timothy McHugh (2001)

Credit, Debit, or ACH: Consequences & Liabilities A Comparison of the Differences in Consumer Liabilities (PDF,58KB)
Ann H. Spiotto (2001)

Electronic Bill Payment and Presentment: A Primer (PDF,198KB)
Ann H. Spiotto (2001)

A Study of the Interrelated Bilateral Transactions in Credit Card Networks (PDF,147KB)
Sujit Chakravorti and Alpa Shah (2001)

Who Pays for Credit Cards? (PDF,118KB)
Sujit Chakravorti and William R. Emmons (2001)

A Legal Analysis of a Banking Industry Online Identity and Attribute Authentication Service for Consumers and Merchants (PDF,304KB)
William Gram (2000)

Why Don't Consumers Use Electronic Banking Products? Towards a Theory of Obstacles, Incentives, and Opportunities (PDF,266KB)
Brian Mantel (2000)