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Working Paper
Network externalities and technology adoption: lessons from electronic payments
Stavins, Joanna; Gowrisankaran, Gautam (1999)
We seek to determine the presence and causes of network externalities for the automated clearinghouse (ACH) electronic payments system, using a monthly panel data set on individual bank adoption of ACH. We construct a model of ACH usage that shows how to separately identify network externalities from technological advancement and peer-group effects. We find significant evidence of network effects and find evidence that these network effects are not internalized. Moreover, a large part of these network effects is due to informational problems. Sunk costs of adoption appear to be low.
Working Papers , Paper 99-5

Discussion Paper
Account-to-account electronic money transfers: recent developments in the United States
Shy, Oz (2011)
This paper reviews recent developments in online and mobile banking in the United States that provide bank account holders with low-cost interfaces to manage account-to-account electronic money transfers. The paper analyzes the emerging decentralized market in which A2A money transfers are becoming available in the United States and compares it with the A2A market in other countries. The paper constructs analytical examples to explain and evaluate the structure of the emerging U.S. market and discusses possible policy actions that may enhance the use of A2A money transfers in the United ...
Public Policy Discussion Paper , Paper 11-10

Journal Article
Means of payment, the unbanked, and EFT '99
Prescott, Edward Simpson; Tatar, Daniel D. (1999-10)
Economic Quarterly , Issue Fall , Pages 49-70

Journal Article
Perspective on payments
Stavins, Joanna (2003-01-01)
One reason the U.S. has been slow to move from paper checks to electronic payments is that the benefits for individual users are less than for the payments system as a whole.
Regional Review , Issue Q 1 , Pages 6-9

Speech
Check Clearing for the Twenty-First Century Act: testimony before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, April 8, 2003
Ferguson, Roger W. (2003)
Speech , Paper 26

Conference Paper
Where to go from here?
Oliver, Richard R.; Perrit, Henry H.; Smith, Janet (1999)
Proceedings , Paper 659

Journal Article
Final rule on enhanced recordkeeping related to certain wire transfers by financial institutions, effective January 1, 1996
anonymous (1995-02)
Federal Reserve Bulletin , Issue Feb , Pages 113

Working Paper
Towards the systematic measurement of systemic risk
Roberds, William; Cohen, Hugh (1993)
FRB Atlanta Working Paper , Paper 93-14

Conference Paper
Mass adoption of retail electronic payments
Sinclair, Helen (1998)
Proceedings , Paper 596

Journal Article
Point of purchase conversions fuel rapid electronic check growth in 2006
anonymous (2006-10-04)
Electronic check conversions, including those at retail cash registers, continue to grow rapidly. With rule changes in 2007, back office conversions of retail checks are expected to become popular.
Financial Update , Volume 19 , Issue Q 4

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