David B. Humphrey

• "The U.S. Payment System : Efficiency, Risk and the Role of the Federal Reserve"
• Payment systems
• The U.S. Payment System
• Cost recovery and pricing of payment services
• Costs, scale economies, competition, and product mix in the U.S. payments mechanism
• The evolution of payments in Europe, Japan, and the U.S.
• The U.S. Payment System : Efficiency, Risk and the Role of the Federal Reserve
• The U.S. payments system
• Transforming Payment Systems