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Journal Article
Consumer Payment Choice in the Fifth District: Learning from a Retail Chain
Wolman, Alexander L.; Wang, Zhu (2016-01)
This paper studies payment variation across locations and time using five years of transactions data from a large discount retail chain with hundreds of stores across the Fifth District. The results show that the median transaction size, demographics, education levels, and state fixed effects are the top factors in explaining cross-location payment variation in the sample. We also identify interesting time patterns of payment variation, particularly the longer-term decline in the cash share of transactions largely replaced by debit.
Economic Quarterly , Issue 1Q , Pages 51-78

Transfer payments, household savings play key roles in growing U.S. deficit
Davis, J. Scott; Derr, Lillian (2025-11-18)
While recent levels of government borrowing have been high, private savings by U.S. residents have been elevated as well. As a result, overall borrowing for the entire U.S economy has been remarkably stable.
Dallas Fed Economics

Speech
Ending 'Too Big to Fail' Is Going to Be Hard Work
Lacker, Jeffrey M. (2013-05-09)
Ending the treatment of certain firms as “too big to fail” requires addressing two mutually reinforcing issues: first, the expectation that creditors of some financial institutions are protected by implicit government support, should those institutions become troubled; and second, the obligation many policymakers feel to support certain institutions to protect creditors from losses.The current system encourages fragility, which induces interventions.The Dodd-Frank Act attempts to deal with “too big to fail” through the establishment of the Federal Deposit Insurance Corp.’s Orderly ...
Speech

Speech
Recent Global Developments and Central Bank Responsibilities in a Changing Risk Landscape
http://fedora:8080/fcrepo/rest/objects/authors/ (2020-08-05)
Remarks at the Official Sector Service Providers (OSSP)-Bank Negara Malaysia (BNM)-South East Asian Central Banks (SEACEN) Research and Training Centre Forum on Central Bank Foreign Currency Operations.
Speech

Speech
Advances in Digital Currency Experimentation
Neal, Michelle (2022-11-04)
Remarks at the Singapore FinTech Festival, Singapore.
Speech

Briefing
FedNow and the Development of U.S. Fast Payments
Wang, Zhu; Phan, Vinh (2026-08-26)
FedNow is a real-time payment service launched by the Federal Reserve in July 2023 that has grown to over 1,700 participating financial institutions. It competes with Real-Time Payments (RTP), a private system launched in 2017.While FedNow and RTP have developed significantly, both systems lag international counterparts in transaction volume, primarily because Americans already have extensive access to digital payments and "instant-feel" alternatives.Despite entering a crowded market, FedNow has the long-term potential to become a core national infrastructure as the U.S. payments system ...
Richmond Fed Economic Brief , Volume 26 , Issue 28

Journal Article
Is Cash Still King?
Sablik, Timothy (2018-04)
Feature article titled: "Is Cash Still King? Despite new technologies for electronic payments, cash has never been more popular. What's driving the demand?"
Econ Focus , Issue 2Q , Pages 18-21

Speech
President Logan introduces FDIC Chairman Travis Hill at payments conference
Logan, Lorie (2026-01-29)
Dallas Fed President Lorie Logan delivered these remarks at the SMU Science and Technology Law Review 2026 annual symposium, "Payments of the Future: Law, Innovation, and Access in a Digital Economy."
Speeches and Essays

Journal Article
Features: Fighting Payments Fraud
Wells, Matthew (2025-08-12)
For many people, TikTok has become their go-to source for information on everything from fashion to food to home maintenance. Gone are the days of having to figure it out yourself or "Google it"; influencers now post short videos detailing how to perform any number of supposed "life hacks" meant to make life a little easier or, at the very least, more entertaining. In the past year, one more hack joined the list: check fraud. The hack went viral in the fall of 2024, and it was surprisingly easy: Chase Bank customers wrote checks of significant amounts to themselves, deposited those checks ...
Econ Focus , Volume 25 , Issue 3Q , Pages 18-21

Working Paper
Introducing a Framework for Measuring the Quantitative Benefits of Privacy-Enhancing Technologies
Isaacson, Ken (2024-08-07)
This paper reviews privacy-enhancing technologies (PETs) and explores their benefits when used to make traditional payment processes more private. PETs can decrease privacy risk by reducing the amount of sensitive information accessible to payment-processing personnel and systems. This paper proposes a framework for quantifying the risk-reduction benefits of PETs. This method can be used to calculate the amount of privacy-risk exposure that may be created by a set of payment activities, estimate the amount by which PETs can decrease that exposure, and compare that quantified benefit against ...
Working Papers , Paper 24-16

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