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IEEE Spectrum June 2012 Mark Anderson	Don't Write Off Checks Like the paperless office, a check-free society is still far off
Bank Technology News May 2005 Holly Sraeel	Nonbank Payments: Are Banks Green? Yes And No. If you take cash and payments out of the equation, who needs banks?
Knowledge@Wharton	New Payment Methods Give Old-fashioned Checks and Credit Cards a Run for Their Money Emerging technologies are currently gaining momentum while paper check usage is in decline, according to a new study by the Federal Reserve...
U.S. Banker January 2002	A Win for the Fed Even the Fed can make mistakes, as many Greenspan critics are only too happy to point out. But some mistakes can be happy ones -- and that's the good news from the Federal Reserve Bank of Boston...
The Motley Fool March 16, 2007 Mary Dalrymple	More Paper Checks Go Electronic Merchants can start quickly, electronically clearing your checks. Consumers can also opt out of the back-office conversion process, but you'll have to ask the retailer or merchant how to do so.
FDIC FYI May 25, 2004 Neil Murphy	The Impact on U.S. Banking of Payment System Changes Although the much-heralded check-less society has yet to arrive, major changes are underway in retail non-cash payment systems. Today's issue of FYI surveys the implications of the rising use of electronic payments.
Bank Systems & Technology May 6, 2004 Judy Ward	Banks Prepare Returns Processing for Check 21 Electronic check processing will speed transactions, cut costs and fight fraud.
U.S. Banker August 2010 Bob Meara	Say Goodbye to Checks A study released in 2007 showed a 4.1 percent annual decline in check usage; don t be surprised if the next study shows usage is down by 10 percent.
U.S. Banker September 2007 John Adams	Payments: U.S. Targeted by RBS In e-Payments Business Royal Bank of Scotland is a huge payments player in Europe, and it expects its global multi-payments expertise will help it win online business accounts in the United States. It has a good head start.
The Motley Fool January 28, 2005	How to Avoid Breaking the Bank Why pay more than you need to -- to your bank, of all things?
Bank Technology News June 2007 John Adams	Payments: RBS Targets U.S. for e-Payments Business It's a huge payments player in Europe, and RBS hopes its multinational payments expertise can help it win business accounts in the United States.
The Motley Fool April 25, 2007 Mary Dalrymple	Hey, Give Me My Money! Fewer check processing sites means that, for consumers, more deposit checks get categorized as "local." That means more of your checks must be deposited under the two-day rule instead of the five-day rule.
Bank Technology News January 2005 Michael Sisk	The Post-October 28 World: It's Time for a Reality Check on Check 21 Believe it or not, there are still many misconceptions about the law among the public, which banks must battle as they gradually implement new checking technology.
Bank Technology News September 2008 Michael Sisk	Check Duplication Vexation Allowing check conversion to electronic form has created the perfect storm of opportunity for duplicate postings.
Bank Systems & Technology June 9, 2007 Maria Bruno-Britz	Federal Reserve In Deal with Unisys for Check Image Processing Feds plans to upgrade existing check image processing system will lead to greater efficiencies.
BusinessWeek October 15, 2009 Lloyd Constantine	Let's End the Debit Card Fee-for-All The Fed needs to start exercising oversight over debit-card fees.
Bank Systems & Technology April 8, 2010 Penny Crosman	NACHA Reports 18.76 Billion ACH Payments in 2009 Year-over-year transaction volume is up 2.6 percent, unauthorized debit transactions are down 9%.
The Motley Fool August 4, 2010 Morgan Housel	Are Visa and MasterCard Really Under Attack? I wouldn't bet on it. These moats are still safe.
Bank Technology News February 2004	By The Numbers Consumer payment associations are targeting the U.S., where high rates of card penetration and low levels of mobile data usage have left mobile proximity payments off merchants' and consumers' radar screens.
Bank Technology News June 2001 Patricia A. Murphy	New Push to Cut Paper Intensifies The checkless society is a fallacy, but slowly payments are going electronic...
Bank Technology News December 2007	Payments: Growth of Debit-Card Use Outpaces Credit Cards Are Americans outgrowing credit cards? For the past few years, debit-card usage has grown by double digits, far ahead of credit cards. Meanwhile, check use is fading fast.
U.S. Banker May 2007 Kenneth Long	Reinventing the Checking Account Banks that haven't reinvented their checking accounts to better serve their customers, thus more firmly sealing them to the institutions, may soon find they have fewer customers about which to worry.
Bank Technology News May 2005 Chris Costanzo	Remote Check Deposit: Wells Captures A New Checking Twist Check 21 and Desktop Deposit provides fast remote capture without adding software on the user end and eliminating time-consuming trips to the branch, all through a Web portal.
Bank Technology News May 2009 Mike Reagan	Time is Now For Payments Convergence Payments account for as much as a third of commercial bank revenue, and that makes one message clear: The payments business is directly influential to the bottom line.
The Motley Fool May 26, 2011 Dan Caplinger	Why Would You Give Away Free Money? Banks are looking at services that would do what PayPal does: let people send money to each other using email addresses or smartphones rather than forcing them to use checks or cash.
Bank Technology News December 2010 John Adams	Canadian Banks Take Debit Contactless Believing consumers are ready to abandon cash for small purchases, Scotiabank and RBC will be the first banks to put InteracFlash chips onto their debit cards in Canada.
Bank Systems & Technology May 4, 2005 Phil Britt	Balancing Act There is a transition away from paper and toward electronic transactions, but banks and their corporate customers want options for making electronic payments.
OCC Bulletin June 19, 2003	Expedited Funds Availability Act The Board of Governors of the Federal Reserve System has revised Regulation CC, the implementing regulation for the Expedited Funds Availability Act. Specifically, the Board amended Appendix A to Regulation CC, the Routing Number Guide to Next-Day Availability Checks and Local Checks.
Bank Technology News February 2007 Glen Fest	Conversion's the Word In '07 e-Payments Drive For financial institutions electronic remittance, automated exceptions, back office conversion and other breakthroughs appear on the horizon as the next phase for remote capture.
Bank Systems & Technology February 1, 2007 Esther Pigg	Meeting the Corporate Challenge With corporate customers challenging their financial institutions to provide a more-integrated, end-to-end array of payments origination, information management, clearing and dispute resolution solutions, 2007 will be an exciting time in the U.S. payments industry.
Bank Systems & Technology March 7, 2005 Phil Britt	Up, Up and Away ... But How Far? Rapid growth in the volume of accounts receivable entry (ARC) transactions is expected to continue throughout this year, largely fueled by declining check activity.
Bank Systems & Technology October 1, 2007 Maria Bruno-Britz	U.K. Faster Payments to Change Payments World Some experts see Faster Payments as a model for the rest of the world.
Bank Systems & Technology February 10, 2004 Cynthia Ramsaran	Rock, Scissors, Plastic There will be a rise in plastic payments in 2004 because of the availability of more merchants accepting credit, analysts say.
Bank Systems & Technology May 6, 2004 Cynthia Ramsaran	2004 Fed Forecast: Enhanced Electronic Payments Claudia S. Swendseid, SVP of the Fed's Financial Services Policy Committee, spoke about the organization's goals for 2004 and what it is currently doing to move the financial services industry gracefully from paper to electronic checks.
Bank Systems & Technology April 12, 2010 Penny Crosman	Payments Startup Aptys Supports ACH, Wire, Check Images The new Aptys platform PayHub will give correspondents one platform to offer payments of all types to community bank clients.
Bank Systems & Technology January 1, 2007 Phil Britt	Consumers Favor Cards for Payments in Increasing Numbers This past year saw a significant increase in consumers' use of debit cards and prepaid cards, while credit card usage remained strong. The trend is expected to continue, insiders say, potentially creating new revenue streams for banks.
The Motley Fool January 23, 2007 Selena Maranjian	Save Money With Direct Deposit At work, you might have the option of directly depositing your paycheck into your bank account. This simple convenience could leave you wealthier.
U.S. Banker October 2006 Lee Conrad	New Industry Index Aims to Quantify The Progress of Corporate Payments Companies still make most of their payments with paper checks, but new VICOR-commissioned research suggests a major change is afoot. Restless bankers are more than ready.
Bank Technology News May 2001 Patricia A. Murphy	Talk of the Show: Image Archive Wide-scale check imaging has seemed an elusive goal, at least for the better part of a decade. Key stumbling blocks have remained, like federal statutes that require long-term storage of commercial documents like checks...
The Motley Fool December 28, 2004 Selena Maranjian	Paper Beats Rock, but Plastic Beats Paper Credit cards are eclipsing cash and checks in our society.
Bank Systems & Technology December 1, 2006 Maria Bruno-Britz	Deadline for Back-Office Conversion Nears, Banks, Retailers Gear Up In three months, NACHA's long-awaited rules on back-office conversion of checks officially go into effect. Retailers and billers finally will be able to convert eligible checks into Automated Clearing House payments at the point of sale.
U.S. Banker November 2006 Michael Sisk	A Nation of Debit-ors: Paying Now, Not Later The credit-card culture seems to be drying up, as debit-card usage skyrockets. Since debit cards are linked to checking accounts, that's good news for small banks wanting to get in on the action.
Bank Technology News September 2010 Rebecca Sausner	The FutureNow List 2010 The FutureNow List showcases the state of the art, and state of the bank security industry, in 2010.
Bank Systems & Technology August 12, 2009 Maria Bruno-Britz	Retail Payments Risk Forum Collaborates to Fight Payments Fraud The Atlanta Federal Reserve Bank's anti-fraud cooperative is designed to bring together thought leaders in the payments space to improve security.
Bank Systems & Technology December 14, 2005 Maria Bruno-Britz	E-asy Does It The 2005/2006 Study of Consumer Payment Preferences reports that consumers choose electronic payments for the majority of their payments -- whether in stores, online or for bills.
BusinessWeek August 4, 2010 Eichenbaum & Collins	Smartphones May Soon Replace Credit Cards AT&T and Verizon Wireless are readying a mobile payment system that could render plastic obsolete.
Bank Technology News July 2001 Louise West	Bibit Gets Funding Despite Cash Squeeze The Dutch online payment service provider will use the funds to push into the United States...
Bank Systems & Technology July 1, 2005 Phil Britt	Payments Without Borders Mellon Financial's payment engine now allows for processing on an unlimited number of international payments, independent of foreign exchange (FX) transactions.
Bank Technology News February 2011 John Adams	Analyze Payments, Get More Money Payments have always been a pipeline to the wallet, but Sandy Spring Bank plans to wield the latest data management tools and analysis to use "paying" as a window to the customer's financial services soul.
Wired May 22, 2009 David Wolman	Time to Cash Out: Why Paper Money Hurts the Economy In an era when books, movies, music, and newsprint are transmuting from atoms to bits, money remains irritatingly analog.