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. https://www.atlantafed.org/blogs/take-on-payments/2024/09/16/collaborating-across-payments-supply-chain-to-fight-app-fraud?item=965221cc-0cda-4b92-8d2a-968151b2198e 965221cc-0cda-4b92-8d2a-968151b2198e Monday, 16 Sep 2024 9:45:0 EST While individual institutions and organizations may feel powerless to assist consumers targeted by authorized push payment fraud, This post explores collaboration among stakeholders as a possible solution. https://www.atlantafed.org/blogs/take-on-payments/2024/09/09/financial-institutions-and-beneficial-ownership-information-reporting-requirement?item=2f3efbbd-6002-4365-a592-dd1743e8e8d4 2f3efbbd-6002-4365-a592-dd1743e8e8d4 Monday, 9 Sep 2024 9:45:0 EST Millions of companies are required to report their beneficial ownership information. This post explores how the requirement could affect financial institutions. https://www.atlantafed.org/blogs/take-on-payments/2024/08/26/pay-by-bank--alternative-and-easy-way-to-make-payments?item=b231a919-ca5e-41d9-8a8a-868c959043d7 b231a919-ca5e-41d9-8a8a-868c959043d7 Monday, 26 Aug 2024 9:45:0 EST Pay by bank, which allows consumers to make payments directly from their bank accounts, could revolutionize financial transactions. This post looks at this emerging payment type. https://www.atlantafed.org/blogs/take-on-payments/2024/08/19/look-at-pci-compliance-and-new-data-security-standards?item=7333d597-00d5-4f42-b54f-431d7e6f2f45 7333d597-00d5-4f42-b54f-431d7e6f2f45 Monday, 19 Aug 2024 9:45:0 EST For entities that handle payment card data, compliance with the PCI Data Security Standard is critical. This post explores the latest updates to the PCI DSS and what they tell us about securing card systems. https://www.atlantafed.org/blogs/take-on-payments/2024/08/12/mobile-payments-and-exuberance-of-youth?item=4096104e-0f39-4277-b8ea-45253e831314 4096104e-0f39-4277-b8ea-45253e831314 Monday, 12 Aug 2024 9:45:0 EST Fintechs and third-party service providers can enter into the payments process. Read this post to see how this heightens the risk of exposure to a data breach or service interruption. https://www.atlantafed.org/blogs/take-on-payments/2024/08/05/third-party-risk--focus-on-cyber?item=762bf71a-6e2e-4ee7-bf90-51eff11c937b 762bf71a-6e2e-4ee7-bf90-51eff11c937b Monday, 5 Aug 2024 9:45:0 EST Fintechs and third-party service providers can enter into the payments process. Read this post to see how this heightens the risk of exposure to a data breach or service interruption.