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Academic Journal

Assessing Incentives to Increase Digital Payment Acceptance and Usage: A Machine Learning Approach

November 02, 2022
In this PLoS ONE article, Allen, Carbo, Chakravorti, Rodriguez, and Ardic use random forest estimation to identify 14 key predictors out of 190 variables with the largest predictive power for MSMR adoption and usage of digital payments. Using conditional inference trees, we study the importance of sequencing and interactions of...
Presentation

The Impact of FinTech and Big Tech Firms on the Way We Pay

August 23, 2022
In this keynote presentation, Chakravorti discusses how FinTech and big tech firms are increasing competition in the payments space. Entry into payments, often allows these non-bank providers the ability to offer loans to underserved consumers and small merchants. In the rest of the talk, Chakravorti discusses the effectiveness of certain...
Central Bank and Multilateral Agency Publication

Incentives for Electronic Payment Acceptance

May 18, 2022
The adoption of electronic payments and their frequent use is thought of as a first step for broader financial use for traditionally unbanked individuals and merchants. The purpose of this report is to analyze the design, implementation, and efficacy of many incentives implemented by different types of stakeholders around the...
Trade Journal

Small Business in the Digital Age: Recommendations for Recovery and Resilience

February 03, 2021
Greater digitization of commerce has brought enormous benefits to businesses and consumers. By using digital payment capabilities and online marketplaces, many micro, small, and medium enterprises (MSMEs) are more able to compete with larger firms through greater customer choice and reach. This paper examines the results of a Visa Economic...
Presentation

Disruption in Payments: Opportunities and Challenges

November 21, 2019
In this presentation, Chakravorti discusses how new entrants are disrupting payments. Specifically, he looks at how FinTechs are leveraging new technologies and Big Tech firms leveraging their large user bases to provide payment services to underserved segments often at lower prices. He also analyzes the role of the public sector...
Trade Journal

New Payment Technologies: Back to Basics

May 16, 2016
A core function of any banking system is the provision of payments. However, a greater number of non-banks are becoming part of the payments landscape. Payments can be made via fiat or crypto currencies, bank credit or deposits, or funds transfers on the books of non-bank payment providers. Most of...
Presentation

U.S. Payment Trends and Regulatory Developments

September 17, 2010
In his presentation, Bob Chakravorti described several new and pending payment regulations in the United States at the Cards & Payments 2010 conference held in Paris, France.
Presentation

The Economics of Retail Payments: Theory and Practice

March 31, 2010
In his lecture as part of a broader course on Effective Oversight of Payment and Settlement Systems: Maintaining Financial Plumbing edited by Charles Kahn, Chakravorti describes the underlying economics of retail payments including substitution of payment instruments, regulation of them, and underlying incentives to use them. He looks at specific...
Presentation

Retail Payment Economics: Theory and Practice

December 10, 2008
In his presentation to Bank of Mexico economists and payment experts, Chakravorti presented an update of economic models that consider various forms of regulation.
Central Bank and Multilateral Agency Publication

Payment Instrument Choice: The Case of Prepaid Cards

March 01, 2006
In this article, Chakravorti and Lubasi conclude that prepaid applications potentially provide a more cost-effective means to transfer funds when: 1) recipients of funds do not have transactions accounts; 2) disbursers of funds do not have access to the recipient’s transactions accounts, or 3) the disbursers of funds need to...
Showing 1 - 10 of 10 results
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