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- The Future of E-Commerce Payments
- June 19, 2002, the Payment Cards Center of the Federal Reserve Bank of Philadelphia and the Electronic Funds Transfer Association's Electronic Commerce Payments Council eCPC sponsored a joint conference. This paper discusses the session, which included both Federal Reserve staff and industry leaders discussing how electronic payments are becoming an...
- White papers 2002-09-11
- Innovations in Small Dollar Payments
- This paper summarizes a range of challenges and opportunities for innovators in their quest to convert small dollar cash and check payments into electronic transactions. While traditional credit cards play a role in a number of the small dollar markets, pure electronic payment alternatives offer the most promising solutions. In...
- White papers 2001-10-01
- The Use of Checks and Other Non-cash Payment Instruments in the United States
- "Over the past several decades, the payments industry has undergone significant change. New electronic payment instruments have been introduced, and the means for making electronic payments have become increasingly available for use in everyday commerce. Further, the adaptation of technology has driven down the costs of processing electronic payments relative...
- White papers 2002-08-01
- SIA STP Payments Processing Subcommittee
- The purpose of this paper is to provide an update on the Payments Processing Subcommittee's efforts over the two years. This updated paper reinforces the payment characteristics sought for retail securities transactions to minimize risk and cost to all participants. It discusses the work of the Committee to pursue the...
- White papers 2002-08-01
- Visa Corporate Fact Sheet Payment Solutions for Economic Growth
- This paper covers four key points. It demonstrates the economic value of electronic payment systems. It outlines the infrastructure requirements, which are becoming easier to address with the advent of smart cards and mobile telephony. It describes the monetary, regulatory, and legal elements of the institutional framework needed to support...
- White papers 2004-06-23
- A Snapshot of the U.S. Payments Landscape
- As the country's central bank, the Federal Reserve undertook the research to document the size of the U.S. retail payments system and to quantify the opportunity for future substitution of paper check payments by electronic payments. Three studies - two examining the check payments market and one measuring electronic payments...
- White papers 2002-08-12
- The Future of Retail Electronic Payments Systems: Industry Interviews and Analysis
- Electronic payments have become a prominent feature of the U.S. economic landscape, as consumers, businesses, and governments have increasingly used electronic instruments to make retail payments. Survey research by the Federal Reserve published in 2002, for example, indicates that the use of debit and credit cards and automatic deposit and...
- White papers 2001-12-01
- Technological Innovation in Retail Payments: Key Developments and Implications for Banks
- The United States has a heavily paper-based retail payment system compared with many other developed economies, but the shift to electronic payments has been bigger and more decisive than commonly perceived. For the first time ever, check use declined in the mid-1990s, and among electronic payments, the adoption of debit...
- White papers 2004-10-01
- Wholesale Payments - Time to Listen to Corporates
- Many corporate struggle under the burden of ever increasing electronic payment volumes, maddening complexity in terms of formats and interfaces, lack of end-to-end payment information, suboptimal straight through processing and thus huge amounts of manual labor and a lot of opportunity to further improve the company's overall working capital. The...
- White papers 2005-05-11
- Electronic Payments
- Faced with demanding customers and regulatory pressures, banks are rethinking business and operational plans for payments. Financial institutions aim to achieve seamless straight-through processing STP from customer initiation to final beneficiary notification, while integrating value-adding information with the payment. This paper examines some technological advances that will enable financial institutions...
- White papers 2003-09-01
- Driving Down the Cost of Consumer Payment Processing
- Payment processing operations whether internal or outsourced must continually invest in maintaining the technology required to deliver maximum unit productivity at minimum unit cost. It is also becoming increasingly obvious that investments in hardware, software and expertise related to accounts receivable check ARC conversion, Check 21, online bill payment and...
- White papers 2005-01-29
- Paper-Based Payments May Be on the Decline, But Ignoring Them Won't Make Them Go Away Altogether
- Despite the growth in electronic payments, it is obvious that paper payments are not going to totally disappear any time soon and companies will still need to collect them cost effectively and efficiently. As a result, some financial executives and some providers - are wondering what the migration to electronics...
- White papers 2005-08-17
- Upfront: Check Payments to Bow Out?
- This article depicts about a research which reveals that a combination of electronic payment types are poised to replace the check as the primary vehicle for transferring funds between two commercial parties. The research cites several factors that signal the approaching demise of check payments, including recent Federal Reserve estimates...
- White papers 2005-04-01
- Electronic Payments: More Choices, Rewards and Risks
- At the Association for Financial Professionals' 2005 annual conference, Business Finance brought together a panel of treasury professionals to discuss Check 21, remote deposit capture, the proliferation of payment systems and payment fraud. This article provides the views, based on the discussion with those treasury professionals, on electronic payments system.
- White papers 2005-12-01
- TeleCommunication Systems, Inc. Q4 2008 Earnings Call Transcript
- Question-and-Answer Session Operator Operator Instructions Our first comes from Scott P. Sutherland, CFA – Wedbush Morgan Securities, Inc. Scott P. Sutherland, CFA – Wedbush Morgan Securities, Inc. Not too much to really pick on here so I just want to go through a few things here on where...
- Earnings calls 2009-02-05
- Interoperability and Network Externalities in Electronic Payments
- The causes of and extent of network externalities in payment systems such as the ATM and the ACH-market have been analyzed and tested in earlier studies. In this paper a similar study is made for the market for electronic card payments, i.e. the EFTPOS-market. The results are highly significant and...
- White papers 2001-09-01
- The Effect of New Technology in Payment Services on Banks Intermediation
- This paper analyses the effect of this change in payment technology within a multiple-output framework. The dual approach with four variable inputs is applied, and the general model includes random coefficients to capture heterogeneity in the production technology across banks. The results show that the move towards electronic payment services...
- White papers 2002-03-15
- E-Payments: Modern Complement to Traditional Payment Systems
- The challenges of payment transactions in electronic commerce were initially underestimated, as is now clear in the light of technological progress and stricter legislation, meaning traditional business models are increasingly coming up against their limits. Only secure, user- friendly and low-priced innovative payment solutions can boost internationally oriented e-commerce. In...
- White papers 2004-05-06
- Using Oracle Intermedia in Retail Banking Payment Systems
- Check 21 legislation and a consumer shift from paper checks to electronic payment mechanisms are changing the payment systems marketplace. In order to realize financial gains afforded by these two influences, banks need to have an image-enabled payment system in place that will support check images as well as other...
- White papers 2005-05-10
Additional Resources
- CanWest Global Communications F1Q08 (Qtr End 11/30/07) Earnings Call Transcript
- Question-and-Answer SessionOperator Operator Instructions Your first question comes from Carl Bayard - Genuity Capital Markets. Carl Bayard – Genuity Capital Markets Couple of questions. First off, a question for John Maguire. I was just wondering if you have an estimate of what the clean EPS number would be if...
- Earnings calls 2008-01-10
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