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Account-to-account electronic money transfers: recent developments in the United States

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  • Oz Shy
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Abstract

This paper reviews recent developments in online and mobile banking in the United States that provide bank account holders with low-cost interfaces to manage account-to-account electronic money transfers. The paper analyzes the emerging decentralized market in which A2A money transfers are becoming available in the United States and compares it with the A2A market in other countries. The paper constructs analytical examples to explain and evaluate the structure of the emerging U.S. market and discusses possible policy actions that may enhance the use of A2A money transfers in the United States.

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File URL: http://www.bostonfed.org/economic/ppdp/2011/ppdp1110.htm
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File URL: http://www.bostonfed.org/economic/ppdp/2011/ppdp1110.pdf
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Bibliographic Info

Paper provided by Federal Reserve Bank of Boston in its series Public Policy Discussion Paper with number 11-10.

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Date of creation: 2011
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Handle: RePEc:fip:fedbpp:11-10

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Keywords: Internet banking ; Electronic funds transfers;

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  1. Shy,Oz, 2001. "The Economics of Network Industries," Cambridge Books, Cambridge University Press, number 9780521800952, October.
  2. Kevin Foster & Erik Meijer & Scott Schuh & Michael A. Zabek, 2010. "The 2008 Survey of Consumer Payment Choice," Public Policy Discussion Paper 09-10, Federal Reserve Bank of Boston.
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