Report NEP-PAY-2026-01-05

This is the archive for NEP-PAY, a report on new working papers in the area of Payment Systems and Financial Technology. Bernardo Bátiz-Lazo issued this report. It is usually issued weekly.

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Other reports in NEP-PAY

The following items were announced in this report:

• Duk Gyoo Kim & Ohik Kwon & Seungduck Lee, 2025. "Public Demand and Financial Implications for Retail CBDC: A Randomized Survey Experiment," Working papers 2025rwp-274, Yonsei University, Yonsei Economics Research Institute.
• Michael Barczay & Shafik Hebous & Fayçal Sawadogo & Jean-Francois Wen, 2025. "Taxing Mobile Money: Theory and Evidence," CESifo Working Paper Series 12322, CESifo.
• Jillian Mascelli & Megan Rodden, 2025. "“Harvest Now Decrypt Later”: Examining Post-Quantum Cryptography and the Data Privacy Risks for Distributed Ledger Networks," Finance and Economics Discussion Series 2025-093, Board of Governors of the Federal Reserve System (U.S.).
• Nicholas Economides & Ioannis Lianos & Christos Makridis, 2025. "‘Scaling Laws’ and Interoperability as the Backbone of the Digital Economy," Working Papers 25-11, NET Institute.
• Roxana Khabazzadeh Moghadam, 2025. "Lessons from a Parallel Economy: Crypto and the Limits of Central Banks [Les leçons d’une économie parallèle : les crypto-actifs et les limites des banques centrales]," Eco Notepad 415, Banque de France.
• Mathilde Dufouleur, 2025. "Do stablecoins affect monetary policy transmission? [Les stablecoins influencent-ils la transmission de la politique monétaire ?]," Eco Notepad 416, Banque de France.
• Constanza Martínez-Ventura & Ligia Alba Melo-Becerra, 2025. "Billeteras móviles y otros servicios de pago: brechas regionales y su adopción en Colombia," Borradores de Economia 1339, Banco de la Republica de Colombia.
• Alex Nery Caetité & Renato Dias de Brito Gomes, 2025. "Plataformas de Investimento no Brasil: estrutura de mercado e precificação," Working Papers Series 641, Central Bank of Brazil, Research Department.
• Vitaly M. Bord & Agnes Kovacs & Patrick Moran, 2025. "Automated Credit Limit Increases and Consumer Welfare," Finance and Economics Discussion Series 2025-088, Board of Governors of the Federal Reserve System (U.S.).
• Yasmin & Muhammad Ali Mustofa & Amirullah Setya Hardi, 2025. "Does Financial Inclusion Reduce Income Inequality and Poverty? Evidence from Eastern and Western Indonesia," Gadjah Mada Economics Working Paper Series 202503005, Department of Economics, Faculty of Economics and Business, Universitas Gadjah Mada.
• Grigorios Rapos & Stylianos Fountas, 2025. "Tracing Contagion between Bitcoin and Traditional Markets," Discussion Paper Series 2025_02, Department of Economics, University of Macedonia, revised Feb 2025.
• Riad Benahmed & Claire Brousse & Enda Palazzeschi, 2025. "Institutional investments in crypto exchange-traded funds on the rise [Les investissements institutionnels en fonds indiciels crypto en hausse]," Eco Notepad 424, Banque de France.
• Marc Rysman & Shuang Wang & Krzysztof Wozniak, 2025. "Understanding Preferences for Payment Cards using Household Scanner Data," Finance and Economics Discussion Series 2025-096, Board of Governors of the Federal Reserve System (U.S.).
• Rania Fakhet & Manel Hamouda, 2024. "Understanding the intention of use of chatbots in online complaints processing [Chatbots Et Reclamations En Ligne : Etude De Leur Acceptabilite Par Les Clients]," Post-Print hal-05325551, HAL.
• Jin-Wook Chang & Jacob Dice & Shengwu Du & Adam Flury & Sam Jerow & Seung Jung Lee & Stacey L. Schreft & Craig Vandre, 2025. "Cyber Vulnerabilities at Large US Financial Institutions and Their Third-Party Service Providers," Finance and Economics Discussion Series 2025-103, Board of Governors of the Federal Reserve System (U.S.).
• Traversa, Marina & Vuillemey, Guillaume, 2025. "Entry in banking markets," SAFE Working Paper Series 461, Leibniz Institute for Financial Research SAFE.
• Stefano Caselli, Marta Zava, 2025. "European Financial Ecosystems. Comparing France, Sweden, UK, and Italy," BAFFI CAREFIN Working Papers 25261, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
• Paula Sempere & Raquel Pantoja, 2025. "Efectivo y neuromarketing: Concepto, funciones y aplicación," Occasional Papers 2525, Banco de España.
• Zhang, Yaxin, 2025. ""I'm Cooked": Financial Literacy, Policy Optionality, and Educational Inequity in Massachusetts High Schools," SocArXiv vgk9p_v1, Center for Open Science.
• James Robinson, 2025. "Nobel Prize Conversations podcast," Nobel Prize in Economics documents 2024-10, Nobel Prize Committee.
• Akcan, Melis & Groep, David & Ritzen, Jo & Rounding, Nicholas, 2025. "A Strategy for Cybersecurity and Digital Sovereignty for the Netherlands (2025–2035) Contribution to a Coalition Agreement," MERIT Working Papers 2025-029, United Nations University - Maastricht Economic and Social Research Institute on Innovation and Technology (MERIT).
• Daron Acemoglu, 2025. "Nobel Prize Conversations podcast," Nobel Prize in Economics documents 2024-6, Nobel Prize Committee.
• James Robinson, 2024. "Interview with 2024 Economics Laureate James Robinson," Nobel Prize in Economics documents 2024-11, Nobel Prize Committee.
• Jean Xiao Timmerman, 2025. "Artificial Intelligence Innovation by Financial Innovators: Evidence from US Patents," Finance and Economics Discussion Series 2025-104, Board of Governors of the Federal Reserve System (U.S.).
• Simon Johnson, 2025. "Nobel Prize Conversations podcast," Nobel Prize in Economics documents 2024-8, Nobel Prize Committee.
• Daron Acemoglu, 2024. "Interview with 2024 Economics Laureate Daron Acemoglu," Nobel Prize in Economics documents 2024-7, Nobel Prize Committee.
• Kristian S. Blickle & Cecilia Parlatore, 2025. "Letters of Recommendation in the PhD Job Market: Lessons from Specialized Banks," Liberty Street Economics 20251217, Federal Reserve Bank of New York.