Report NEP-PAY-2026-08-24

This is the archive for NEP-PAY, a report on new working papers in the area of Payment Systems and Financial Technology. Bernardo Batiz-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:

• Kundan Mukhia & Sabat Rai & Vivek Shrivastav & Imran Ansari & Md. Nurujjaman, 2026, "Scaling laws of Stablecoin Transactions: Evidence from USDT and USDC on the Ethereum blockchain," Papers, arXiv.org, number 2608.09378, Aug.
• Berg, Tobias & Keil, Jan & Martini, Felix & Puri, Manju, 2024, "CBDCs, Payment Firms, and Geopolitics," CEPR Discussion Papers, Centre for Economic Policy Research, number 19367, Aug.
• Marco Bianchetti & Camilla Ricci & Marco Scaringi, 2026, "Are cryptocurrencies real financial bubbles? Evidence from quantitative analyses," Papers, arXiv.org, number 2607.21826, Jul.
• Sofia Priazhkina, 2026, "The Impact of Potential Retail Central Bank Digital Currency on the Canadian Financial System During a Severe Recession," Staff Analytical Papers, Bank of Canada, number 2026-30, Jun, DOI: 10.34989/sap-2026-30.
• Itamar Drechsler & Hyeyoon Jung & Weiyu Peng & Dominik Supera & Guanyu Zhou, 2026, "Credit Card Banking," NBER Working Papers, National Bureau of Economic Research, Inc, number 35607, Aug.
• Cornelli, Giulio & Gambacorta, Leonardo & Garratt, Rod & Reghezza, Alessio, 2024, "Why DeFi lending? Evidence from Aave V2," CEPR Discussion Papers, Centre for Economic Policy Research, number 19358, Aug.
• Remo Isch-Taudien & Cyril Monnet, 2026, "The Option Value of Money," Working Papers, Swiss National Bank, Study Center Gerzensee, number 26.02, Jun.
• Jaesung Kim & Changhee Cho & Jae Woo Lee, 2026, "Universality and Heterogeneity of Stylized Facts in Cryptocurrency and Equity Markets," Papers, arXiv.org, number 2608.10852, Aug.
• Wasti, Hiba Syeda Asad, 2026, "Digital Market Access and Women’s Economic Agency in Pakistan: A Social Science Review of Gendered Constraints and Entrepreneurship Pathways," SocArXiv, Center for Open Science, number 5azn2_v2, Jul, DOI: 10.31235/osf.io/5azn2_v2.
• Rischan Mafrur & Fadli Ikhsan Pratama & Khadijah, 2026, "Toward Decentralized Carbon Trading in Indonesia: A Public-Blockchain Architecture for Tokenized Real-World Assets," Papers, arXiv.org, number 2608.15597, Aug.
• Boyer, Pierre & Gauthier, Germain & Le Yaouanq, Yves & Rollet, Vincent & Schmutz-Bloch, Benoît, 2024, "The Lifecycle of Protests in the Digital Age," CEPR Discussion Papers, Centre for Economic Policy Research, number 19355, Aug.
• Emmanuel Nahimana & Ya'e Ulrich Gaba, 2026, "Detecting Money Laundering in Rwandan Mobile Money: A Machine Learning Framework," Papers, arXiv.org, number 2608.15447, Aug.
• Heidhues, Paul & Köster, Mats & Köszegi, Botond, 2024, "A Theory of Digital Ecosystems," CEPR Discussion Papers, Centre for Economic Policy Research, number 19524, Sep.
• Julia Ko'nczal & Rafa{l} Po{l}ocza'nski, 2026, "Anomaly detection in European cryptocurrency exchange-traded products," Papers, arXiv.org, number 2608.09576, Aug.
• Muhammad Abdullah Haroon, 2026, "Bitcoin Price Direction Prediction via Regime-Aware Multi-Modal Fusion of Social Sentiment and Technical Features," Papers, arXiv.org, number 2607.23370, Jul.
• International Monetary Fund, 2026, "Brazil: Financial System Stability Assessment," IMF Staff Country Reports, International Monetary Fund, number 2026/192, Jul.
• Gambato, Jacopo & Peitz, Martin, 2024, "Platform-enabled information disclosure," CEPR Discussion Papers, Centre for Economic Policy Research, number 19359, Aug.
• Leonardo Bursztyn & Angela Duckworth & Rafael Jiménez-Durán & Aaron Leonard & Filip Milojević & Christopher Roth & Cass R. Sunstein, 2026, "Why Bans Fail: Tipping Points and Australia’s Social Media Ban," ECONtribute Policy Brief Series, University of Bonn and University of Cologne, Germany, number 072, Jun.
• Jeon, Doh-Shin & Rey, Patrick, 2024, "Platform Competition and App Development," CEPR Discussion Papers, Centre for Economic Policy Research, number 19456, Sep.
• Maredia, Mywish K. & Olubunmi, Adefemi & Olabisi, Michael, 2026, "Mind the Gap: Gender Differences in Mobile Technology Use Along Nigeria's Cowpea Value Chain," 2026 Annual Meeting, July 26 - 28, 2026, Kansas City, Missouri, Agricultural and Applied Economics Association, number 404646, DOI: 10.22004/ag.econ.404646.
• Michail Samawi, 2026, "Settlement Infrastructure, Inside Money Elasticity, and the Network Economics of Distributed Ledger Technology," Papers, arXiv.org, number 2607.22459, Jul.
• Lingxiu Dong & Kaiwen Luo & Fasheng Xu, 2026, "From Product Search to Preference Articulation: The Economics of Agentic Commerce," Papers, arXiv.org, number 2608.08395, Aug.
• Josh Molnar, 2026, "Bitcoin Runs on a Clock: Why Every Price Indicator Dies and the Halving Clock Doesn't," Papers, arXiv.org, number 2607.26188, Jul.
• Clark Granger-Castaño & Jhorland Ayala-García & Fabio Montenegro Aparicio, 2026, "Remesas, crecimiento y convergencia económica regional: evidencia para los departamentos de Colombia," Documentos de trabajo sobre Economía Regional y Urbana, Banco de la Republica de Colombia, number 347, Aug.
• Jean-Sébastien Fontaine & Vincent Meh & Jayden Plener, 2026, "The Boundaries of Bank Funding: The Case of Canadian Cash ETFs," Staff Analytical Papers, Bank of Canada, number 2026-32, Jul, DOI: 10.34989/sap-2026-32.
• Ramon Marc Garcia Seuma, 2026, "Where does the criticality live? Early-warning signals are event-heterogeneous across seven crypto-perpetual liquidation cascades," Papers, arXiv.org, number 2607.27070, Jul.
• Girish G N & Ashutosh Sahoo & Akshay SP & Gurukiran S & Dhanashekar Kandaswamy, 2026, "zLend: A Dual-Scope Cash-Flow Reconstruction Framework for On-Chain Credit Underwriting," Papers, arXiv.org, number 2608.16856, Aug.
• Zi Wang & Ruizhi Yuan & Boying Li & V. Kumar & Ajay Kumar, 2026, "An Empirical Study of AI Financial Advisor Adoption Through Technology Vulnerabilities in the Financial Context," Post-Print, HAL, number hal-05708328, Jan, DOI: 10.1111/jpim.12795.
• Berger, Thor & Ostermeyer, Vinzent, 2024, "Institutional Innovation and the Adoption of New Technologies: The Case of Steam," CEPR Discussion Papers, Centre for Economic Policy Research, number 19530, Sep.
• Olivier Lopez & Daniel Nkameni, 2026, "Cloud failure and cyber insurance: calibration of stress scenarios and diversification," Papers, arXiv.org, number 2607.18815, Jul.
• Jesus Feliciano, Cristiano, 2026, "Empirical Studies on Innovative Technologies in Auditing," Publications of Darmstadt Technical University, Institute for Business Studies (BWL), Darmstadt Technical University, Department of Business Administration, Economics and Law, Institute for Business Studies (BWL), number 160656, Jan.
• Francis J. DiTraglia & Craig McIntosh & Isaac Meza & Joyce Sadka & Enrique Seira, 2026, "Structured Payment in Pawnshop Borrowing: Mandates vs. Choice," Papers, arXiv.org, number 2608.13775, Aug.
• Borchert, Lea & De Haas, Ralph & Kirschenmann, Karolin & Schultz, Alison, 2024, "Broken Relationships: De-Risking by Correspondent Banks and International Trade," CEPR Discussion Papers, Centre for Economic Policy Research, number 19373, Aug.