https://www.atlantafed.org/blogs/take-on-payments/2025/08/18/payments-study-gathering-data-from-thousands-of-depository-institutions?item=373005e9-3c20-4f41-8947-be8203f33d83 373005e9-3c20-4f41-8947-be8203f33d83 Monday, 18 Aug 2025 10:0:0 EST The Fed's Depository and Financial Institutions Payments Survey collects and reports on noncash payments data safely and securely. https://www.atlantafed.org/blogs/take-on-payments/2025/08/04/earmarking-in-programmable-payments?item=9c9a013e-e28e-499d-96a2-d8f8dbec59e1 9c9a013e-e28e-499d-96a2-d8f8dbec59e1 Monday, 4 Aug 2025 10:0:0 EST An old-school budgeting idea may be making a comeback when combined with modern technology and programmable payments. Take On Payments explores how "earmarking" could be the simple solution for complex payment situations. https://www.atlantafed.org/blogs/take-on-payments/2025/07/07/innovations-in-payments-acceptance-play-out-in-consumer-check-use?item=6fa01820-8fd5-41d3-be2f-01f4a96fd16c 6fa01820-8fd5-41d3-be2f-01f4a96fd16c Monday, 7 Jul 2025 10:20:0 EST This week's Take On Payments explores the factors contributing to the decline in consumer check use for bill pay and person-to-person transactions. https://www.atlantafed.org/blogs/take-on-payments/2025/06/16/rise-of-embedded-and-invisible-payments?item=e540855c-72d3-4c58-b5e5-b1d4b8fdcfdd e540855c-72d3-4c58-b5e5-b1d4b8fdcfdd Monday, 16 Jun 2025 10:0:0 EST Take On Payments considers the shift away from card-present transactions and toward digital transactions with embedded and invisible payment experiences. https://www.atlantafed.org/blogs/take-on-payments/2025/06/02/by-the-numbers-decline-in-consumers-use-of-paper-checks?item=8dc8d504-5957-4df2-828b-e842e02f545a 8dc8d504-5957-4df2-828b-e842e02f545a Monday, 2 Jun 2025 10:0:0 EST Data from the Survey and Diary of Consumer Payment Choice reports that more than 90 percent of consumers preferred other ways to pay over paper checks money orders ranked as even less popular. https://www.atlantafed.org/blogs/take-on-payments/2025/05/19/more-us-consumers-use-cash-than-any-other-way-to-pay?item=5f4cdedd-5e94-47a4-a55f-b9536180193a 5f4cdedd-5e94-47a4-a55f-b9536180193a Monday, 19 May 2025 14:13:0 EST Traditions live on: Most consumers used cash to pay at least once over any other payment instrument only one third used a paper check. https://www.atlantafed.org/blogs/take-on-payments/2025/03/18/data-from-federal-reserve-payments-study-shows-pace-of-payments-accelerating?item=0043b4a2-866f-49e4-bfdb-a628eaf29746 0043b4a2-866f-49e4-bfdb-a628eaf29746 Tuesday, 18 Mar 2025 12:15:0 EST Recent growth rates reported in the Federal Reserve Payments Study (FRPS) for automated clearing house (ACH) transactions and person-to-person (P2P) payments via depository institution websites show speedy payments out-pacing slower transaction methods. Same-day ACH debit transfers grew 39 percent and credit transfers grew by 21 percent per year by value from 2018 to 2021. Compared that to non-same-day ACH transactions where growth in value was reported in single digits. https://www.atlantafed.org/blogs/take-on-payments/2025/03/10/business-use-of-wires-grew-sharply-from-2018-to-2021?item=eda98ea3-5e91-49d1-bcac-ceaaffae5d89 eda98ea3-5e91-49d1-bcac-ceaaffae5d89 Monday, 10 Mar 2025 7:30:0 EST Counterfeit card fraud in the UK has fallen to the lowest levels ever reported, but the US hasn’t seen the same success. Take On Payments looks at why. https://www.atlantafed.org/blogs/take-on-payments/2025/03/03/counterfeit-cards-persist--is-magstripe-to-blame?item=c6a65d72-80c2-4c15-920a-33266f9117e3 c6a65d72-80c2-4c15-920a-33266f9117e3 Monday, 3 Mar 2025 7:30:0 EST Counterfeit card fraud in the UK has fallen to the lowest levels ever reported, but the US hasn’t seen the same success. Take On Payments looks at why. https://www.atlantafed.org/blogs/take-on-payments/2025/02/24/can-banks-afford-to-delay-iso-20022?item=4159ebd0-1e85-437d-995c-f018ed41f481 4159ebd0-1e85-437d-995c-f018ed41f481 Monday, 24 Feb 2025 7:30:0 EST Has your bank switched to using ISO 20022 to encode global transactions? In this week's post, learn why some banks are slow to implement the system. https://www.atlantafed.org/blogs/take-on-payments/2025/02/10/teaching-old-dog-new-payments-trick-with-stablecoin?item=4e02388a-cb48-4c3e-a5de-bda603607b2b 4e02388a-cb48-4c3e-a5de-bda603607b2b Monday, 10 Feb 2025 7:30:0 EST This week's post examines the ease of using mobile devices and digital currency for transactions. As an alternative payment option with lower merchant fees, stablecoin may allow digital purchases to grow. https://www.atlantafed.org/blogs/take-on-payments/2025/02/03/quantum-payments--leap-into-future?item=e06318d1-a7a7-4813-b651-0b68c03868d6 e06318d1-a7a7-4813-b651-0b68c03868d6 Monday, 3 Feb 2025 7:30:0 EST Payments using mobile wallets are steadily growing, but are they close to overtaking general-purpose cards? Find out in the latest post. https://www.atlantafed.org/blogs/take-on-payments/2025/01/27/will-european-unions-instant-payments-regulation-force-hand-of-us-payments?item=31392468-2242-4e24-b6c6-e737f1d0ed6c 31392468-2242-4e24-b6c6-e737f1d0ed6c Monday, 27 Jan 2025 7:30:0 EST Payments using mobile wallets are steadily growing, but are they close to overtaking general-purpose cards? Find out in the latest post. https://www.atlantafed.org/blogs/take-on-payments/2025/01/13/here-a-coin-there-a-coin-everywhere-a-stablecoin?item=d98d159f-bebe-4749-ab17-bd6bc0b22b00 d98d159f-bebe-4749-ab17-bd6bc0b22b00 Monday, 13 Jan 2025 7:30:0 EST Stablecoin has shifted from trading tool to reliable alternative payment method. This week's post will discuss the rise of this cryptocurrency. https://www.atlantafed.org/blogs/take-on-payments/2025/01/06/mobile-wallet-purchases-skyrocket-on-small-base?item=7dc46640-bccc-4801-86f3-dc094edcb1f3 7dc46640-bccc-4801-86f3-dc094edcb1f3 Monday, 6 Jan 2025 7:30:0 EST Payments using mobile wallets are steadily growing, but are they close to overtaking general-purpose cards? Find out in the latest post. https://www.atlantafed.org/blogs/take-on-payments/2024/12/16/risk-management-matters-in-financial-institutions-and-everyday-life?item=dfd5165d-13ee-4242-8df8-6181688cf633 dfd5165d-13ee-4242-8df8-6181688cf633 Monday, 16 Dec 2024 7:30:0 EST This week's post explores the core components of an effective risk management program. https://www.atlantafed.org/blogs/take-on-payments/2024/12/09/contactless-pay--still-not-norm?item=ebdb4144-9da4-47d1-b04d-4a6fea04cd35 ebdb4144-9da4-47d1-b04d-4a6fea04cd35 Monday, 9 Dec 2024 7:30:0 EST While contactless payments are becoming more common, they're still far from the most common way to complete in-person card transactions. This post takes a look. https://www.atlantafed.org/blogs/take-on-payments/2024/12/02/from-code-to-cash--how-programmable-payments-are-shaping-future-of-finance?item=9ed61fbf-c8f7-48fb-90a7-713200f42098 9ed61fbf-c8f7-48fb-90a7-713200f42098 Monday, 2 Dec 2024 7:30:0 EST Unlike traditional payment methods, programmable payments offer an automated and more dynamic approach to completing transactions. This post takes a deeper look. https://www.atlantafed.org/blogs/take-on-payments/2024/11/18/new-fed-payments-study-details-card-use-in-us?item=1e3c8b9f-668c-461a-8e63-4b263a9c01e0 1e3c8b9f-668c-461a-8e63-4b263a9c01e0 Monday, 18 Nov 2024 7:30:0 EST This post unpacks some of the findings from the Federal Reserve’s recent study on card use in the US. https://www.atlantafed.org/blogs/take-on-payments/2024/11/04/cutting-through-complexities-of-cross-border-payments?item=237abdce-d66c-45f6-a251-2751d2548e74 237abdce-d66c-45f6-a251-2751d2548e74 Monday, 4 Nov 2024 7:30:0 EST This post looks at a new Fed research paper that defines households that are underserved in digital payments. https://www.atlantafed.org/blogs/take-on-payments/2024/10/28/what-does-it-mean-to-be-underserved-in-digital-payments?item=22953706-7c89-44b1-83d3-2efcf1ccb6ce 22953706-7c89-44b1-83d3-2efcf1ccb6ce Monday, 28 Oct 2024 7:30:0 EST This post looks at a new Fed research paper that defines households that are underserved in digital payments. https://www.atlantafed.org/blogs/take-on-payments/2024/10/21/elder-fraud-prevention-begins-at-home?item=6dd74c10-f65f-47ae-8f8c-2c5d65ed257f 6dd74c10-f65f-47ae-8f8c-2c5d65ed257f Monday, 21 Oct 2024 7:30:0 EST In 2023, Americans over the age of 60 lost $3.4 billion to scammers. This post looks at this worsening issue as well as fraud prevention tools. https://www.atlantafed.org/blogs/take-on-payments/2024/10/07/are-you-ready-for-open-banking-and-proposed-cfpb-rule?item=a62d947e-edac-46e1-82fb-a2527a03f38f a62d947e-edac-46e1-82fb-a2527a03f38f Monday, 7 Oct 2024 7:30:0 EST This post looks at the Personal Financial Data Rights rule and what it would mean for banks and other financial service providers. https://www.atlantafed.org/blogs/take-on-payments/2024/09/30/super-atms--game-changer-amid-branch-closures?item=029d6bdf-71d7-486a-9308-880ba10458dd 029d6bdf-71d7-486a-9308-880ba10458dd Monday, 30 Sep 2024 7:30:0 EST As bank branches close, innovations like super ATMs are helping meet the need for accessible financial services. This post explores. https://www.atlantafed.org/blogs/take-on-payments/2024/09/23/addressing-authorized-push-payment-fraud-in-us?item=243ed718-311c-4635-baa0-d80021c32e18 243ed718-311c-4635-baa0-d80021c32e18 Monday, 23 Sep 2024 10:33:0 EST APP fraud is a billion-dollar problem worldwide, and it's getting worse. What can the US learn from other countries' anti-scam measures? This post explores.