IDEAS home Printed from https://ideas.repec.org/a/fip/fedkpb/99024.html

Cash Bill Pay Services and Payment Inclusion in the United States

Author

Abstract

Cash bill pay, a service that allows consumers to pay bills with cash at participating retailers, may be one way to promote payment inclusion in the increasingly digitized U.S. economy. With this service, consumers who prefer to use cash, or those without a transaction account, can have in-person, tangible experiences paying bills.

Suggested Citation

  • Franklin Noll, 2024. "Cash Bill Pay Services and Payment Inclusion in the United States," Payments System Research Briefing, Federal Reserve Bank of Kansas City, pages 1-6, October.
  • Handle: RePEc:fip:fedkpb:99024
    as

    Download full text from publisher

    File URL: https://www.kansascityfed.org/Payments%20Systems%20Research%20Briefings/documents/10546/PaymentsSystemResearchBriefing24Noll1018.pdf
    File Function: Full text
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Oz Shy, 2023. "Cash Is Alive: How Economists Explain Holding and Use of Cash," Journal of Economic Literature, American Economic Association, vol. 61(4), pages 1465-1520, December.
    2. Ozili, Peterson K, 2020. "Contesting digital finance for the poor," MPRA Paper 101812, University Library of Munich, Germany.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Hayashi, Fumiko & Routh, Aditi, 2025. "Financial literacy, risk tolerance, and cryptocurrency ownership in the United States," Journal of Behavioral and Experimental Finance, Elsevier, vol. 46(C).

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Qian Zhou & Zhipeng Qi, 2025. "How does digital inclusion finance alleviate air pollution? Spatial evidence from 1318 counties in China," Environment, Development and Sustainability: A Multidisciplinary Approach to the Theory and Practice of Sustainable Development, Springer, vol. 27(12), pages 29315-29344, December.
    2. Peterson K. Ozili & David Mhlanga & Rym Ammar & Marwa Fersi, 2024. "Information Effect of Fintech and Digital Finance on Financial Inclusion during the COVID-19 Pandemic: Global Evidence," FinTech, MDPI, vol. 3(1), pages 1-17, January.
    3. Helmut Elsinger & Helmut Stix & Martin Summer, 2025. "Consumer preferences for a digital euro: insights from a discrete choice experiment in Austria," BIS Working Papers 1302, Bank for International Settlements.
    4. Carin van der Cruijsen & Marie-Claire Broekhoff, 2024. "Gender gaps in the world of payments," Working Papers 805, DNB.
    5. Suhrab, Muhammad & Chen, Pinglu & Ullah, Atta, 2024. "Digital financial inclusion and income inequality nexus: Can technology innovation and infrastructure development help in achieving sustainable development goals?," Technology in Society, Elsevier, vol. 76(C).
    6. Zamora-Pérez, Alejandro, 2026. "Who owns crypto in the euro area? Drivers of crypto adoption, payment use, and its interaction with fiat cash," Working Paper Series 3215, European Central Bank.
    7. Claire Greene & Fumiko Hayashi & Alicia Lloro & Oz Shy & Joanna Stavins & Ying Lei Toh, 2026. "Defining Households That Are Underserved in Digital Payment Services," AEA Papers and Proceedings, American Economic Association, vol. 116, pages 305-308, May.
    8. Ozili, Peterson K, 2022. "Digital financial inclusion," MPRA Paper 113789, University Library of Munich, Germany.
    9. Chang Gan & Xinying Sun & Mihai Voda & Kai Wang, 2025. "Does Digitalization Mean Equality? Digital Finance and Balanced Development Between Counties," Sustainability, MDPI, vol. 17(18), pages 1-20, September.
    10. Nicole Hentschel, 2025. "Risk Attitudes do not explain Cash Holdings," Working Papers 25.04, Swiss National Bank, Study Center Gerzensee.
    11. Yang, Ping & Lv, Yanqin & Chen, Xiaodan & Lv, Juan, 2024. "Digital finance, natural resource constraints and firms' low-carbon behavior: Evidence from listed companies," Resources Policy, Elsevier, vol. 89(C).
    12. Wishnu Badrawani & Elsa Dyahpitaloka & Ahmad F. F. Alanshori & Imam Mukhlis, 2026. "Do we still need coins? The role of payment system innovation, the pandemic, and the coin's purchasing power on coin demand in Indonesia," Papers 2603.27717, arXiv.org.
    13. Foguesatto, Cristian Rogério & Righi, Marcelo Brutti & Müller, Fernanda Maria, 2024. "Is there a dark side to financial inclusion? Understanding the relationship between financial inclusion and market risk," The North American Journal of Economics and Finance, Elsevier, vol. 72(C).
    14. Xiuxiu Jiang & Xia Wang & Jia Ren & Zhimin Xie, 2021. "The Nexus between Digital Finance and Economic Development: Evidence from China," Sustainability, MDPI, vol. 13(13), pages 1-17, June.
    15. Abay, Kibrom A. & Abushama, Hala & Mohamed, Shima & Siddig, Khalid, 2025. "Rethinking delivery modalities in conflict-affected settings: Why beneficiaries in Sudan prefer digital transfers," Other briefs 175477, International Food Policy Research Institute (IFPRI).
    16. Carin van der Cruijsen & Jelmer Reijerink, 2024. "Uncovering the digital payment divide: Understanding the importance of cash for groups at risk," Journal of Consumer Affairs, Wiley Blackwell, vol. 58(2), pages 486-505, June.
    17. Inès Gharbi & Aymen Ajina, 2026. "Towards a Roadmap for Financial Inclusion and the Sustainable Development Goals in Africa: A Bibliometric and Thematic Analysis," Sustainable Development, John Wiley & Sons, Ltd., vol. 34(S2), pages 778-796, March.
    18. Dieter Korczak, 2025. "The Role of Financial Education for the Prevention of Financial Fragility and Over-Indebtedness," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 815-829, July.
    19. Carolina Guerini & Donato Masciandaro & Alessia Papini, 2025. "Literacy and Financial Education: Private Providers, Public Certification and Political Preferences," Italian Economic Journal: A Continuation of Rivista Italiana degli Economisti and Giornale degli Economisti, Springer;Società Italiana degli Economisti (Italian Economic Association), vol. 11(2), pages 463-514, July.
    20. Claire Greene & Oz Shy, 2024. "Unbanked consumers and how they pay," Journal of Economics and Finance, Springer;Academy of Economics and Finance, vol. 48(1), pages 186-195, March.

    More about this item

    Keywords

    ;
    ;
    ;

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:fip:fedkpb:99024. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Kira Lillard (email available below). General contact details of provider: https://edirc.repec.org/data/frbkcus.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.