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Author:Humphrey, David B. 

Working Paper
Bank scale economies, mergers, concentration, and efficiency: the U.S. experience

Finance and Economics Discussion Series , Paper 94-23

Conference Paper
Competition, efficiency, and the future of the banking industry

Proceedings , Paper 379

Working Paper
Competition in bank-provided payment services

Banks supply payment services that underpin the smooth operation of the economy. To ensure an efficient payment system, it is important to maintain competition among payment service providers, but data available to gauge the degree of competition are quite limited. We propose and implement a frontier- based method to assess relative competition in bank-provided payment services. Billion dollar banks account for around 90 percent of assets in the U.S., and those with around $4 to $7 billion in assets turn out to be both the most and the least competitive in payment services, not the very ...
Working Papers , Paper 13-17

Journal Article
Delivering deposit services: ATMs versus branches

Economic Quarterly , Issue Spr , Pages 59-81

Working Paper
Market failure and resource use: economic incentives to use different payment instruments

Finance and Economics Discussion Series , Paper 34

Discussion Paper
Economies of scale and scope in banking

Research Papers in Banking and Financial Economics , Paper 64

Discussion Paper
Large bank intra-deposit maturity composition: CDs and time deposits 1970-77

Research Papers in Banking and Financial Economics , Paper 21

Conference Paper
Retail payment instruments: costs, barriers, and future use

Proceedings , Paper 585

Working Paper
Do consumers pay for one-stop banking? Evidence from a non-standard revenue function

Finance and Economics Discussion Series , Paper 93-30

Working Paper
Getting rid of paper: savings from Check 21

The authors estimate the cost savings to the U.S. payment system resulting from implementing Check 21. This legislation initially permitted a paper substitute digital image of a check, and later an electronic digital image of a check, to be processed and presented for payment on a same-day basis. Check 21 has effectively eliminated the processing and presentment of original paper checks over multiple days. By shifting to electronic collection and presentment, the Federal Reserve reduced its per item check processing costs by over 70 percent, reducing estimated overall payment system costs by ...
Working Papers , Paper 12-12

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