Banking over the Internet has attracted increasing attention over the past several years from bankers and other financial services industry participants, the business press, regulators, and lawmakers, both in the United States and in other countries. In part, this is due to the rapid and...

We use multivariate logistic regressions to identify factors affecting adoption of Internet banking. These factors include membership in a bank holding company, an urban location, and relatively higher premises and other fixed expenses to net operating revenue, higher noninterest income, and...

The United States still has a heavily paper-based retail payment system when 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...

The financial services community and the business press have given increased attention to the significant shift in the balance between paper-based and electronic retail payments. Declining paper-check usage, growing reliance on credit cards, and the rapid expansion of debit cards are all...

Banking over the Internet is attracting a great deal of attention in the banking and regulatory communities, and developments in this new delivery channel are the subject of numerous articles in the banking press. Despite widespread interest in and concerns about this subject, there is little...

Declining paper check usage, growing reliance on credit cards, and the rapid expansion of debit cards are all well-known aspects of the rise of electronic payments, but less focus has been placed on automated clearing house (ACH) transactions. This Policy Analysis Paper describes the changing...