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  • Presentation (17)
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Trade Journal

The Societal Benefits of Large Banks

December 10, 2013
Baumann, Chakravorti, and Shaaya identify and summarize the recent academic and industry literature on the benefits of large banks from the perspective of economies of scale and scope along with the benefits of a large, diverse set of products and services provided by a large bank. Second, they explore how...
Book Chapter

Regulating Retail Payment Systems: The Case of Payment Cards

December 27, 2012
Bolt and Chakravorti discuss different types of market interventions by public authorities in retail payment markets. They concentrate on three types of market interventions. First, they analyze the impact of removing pricing restrictions placed on merchants that prevent them from setting different prices based on the payment instrument used to...
Working Paper

Pricing in Retail Payment Systems: A Public Policy Perspective on Pricing of Payment Cards

December 27, 2012
The provision of retail payment services is complex with many participants engaging in a series of interrelated bilateral transactions and subject to large economies of scale and scope along with strong adoption, usage and network externalities. This makes sound public policy difficult. We focus on three types of market interventions...
Book Chapter

Digitization of Retail Payment Systems

August 01, 2012
Bolt and Chakravorti investigate the research on electronic payment systems. The rapid growth in the use of electronic payment instruments, especially payment cards, is a striking feature of most modern economies. Payment data indicate that strong scale economies exist for electronic payments. Payment costs will decrease through the consolidation of...
Academic Journal

Externalities in Payment Card Networks: Theory and Evidence

April 15, 2011
Payment cards continue to replace cash and checks in advanced economies. Along with the growth of payment card transactions has come greater scrutiny by public authorities of certain payment network rules along with the level of certain fees. Chakravorti reviews the growing payment card literature and discusses the impact of...
Working Paper

Why Do Banks Reward Their Customers To Use Their Credit Cards?

November 19, 2010
Using a unique administrative level dataset from a large and diverse U.S. financial institution, Agarwal, Chakravorti, and Lunn test the impact of rewards on credit card spending and debt. Specifically, we study the impact of cash-back rewards on individuals before and during their enrollment in the program. We find that...
Conference Summary

What Is the Role of Public Authorities in Retail Payment Systems?

November 15, 2010
On June 21–22, 2010, the Chicago Fed and the University of Granada co-sponsored a conference that brought together policymakers, academics, and industry practitioners to discuss evolving retail payment systems and the role of public authorities, with several panels focusing on the Single Euro Payments Area.
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.
Book Chapter

Universal Access, Cost Recovery, and Payment Services

June 15, 2010
Chakravorti, Gunther, and Moore suggest a subtle, yet far-reaching, tension in the objectives specified by the Monetary Control Act of 1980 (MCA) for the Federal Reserve’s role in providing retail payment services, such as check processing. Specifically, we argue that the requirement of an overall cost-revenue match, coupled with the...
Trade Journal

Why Has Stored Value Not Caught On?

April 25, 2010
In this article, Chakravorti asks why have general-purpose stored-value cards been unsuccessful in penetrating the U.S. market? Three necessary conditions for a payment instrument to be successful are discussed: consumers and merchants need to be convinced of its advantages over existing payment alternatives for at least some types of transactions...
Showing 21 - 30 of 54 results

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