Central Banking

Boston Fed analyses US developments in mobile payments


A Federal Reserve Bank of Boston public policy paper, released in December, reviews recent developments in online and mobile banking in the US, focusing on A2A transfers between the accounts of individuals.

The paper analyses the emerging decentralised market in which A2A money transfers are becoming available in the US and finds that the market structure has emerged differently from the experience in Europe.

In the US, the market structure is decentralised, consisting of various groups of banks

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