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date: 19 February 2018

Abstract and Keywords

This article analyzes the use of retail payments systems (cash, checks, debit cards, credit cards, automated clearing houses, giro networks) and wholesale payment systems (secure giro and wire transfer networks) across countries. It highlights the costs and benefits of different systems to the banking system, and explores policy avenues with respect to both retail (privacy issues, card interchange fees, etc.) and wholesale payment systems (integration of back-office systems and uses of large value payment systems, systemic risk, etc.).

Keywords: retail payment systems, wholesale payment systems, banking system

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