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Bank Information Technology (BIT) Research and Analysis

OCC occasionally publishes research and analysis on a variety of topics, including Internet Banking and electronic payments issues. The following are papers and articles prepared by OCC.

ACH Payments: Changing Users and Changing Uses: Policy Analysis Paper #6 (PDF) - October 2005
Technological Innovation in Retail Payments: Key Developments and Implications for Banks (PDF) - October 2004
Economics Working Paper 2000-9, Internet Banking: Developments and Prospects - September 2000
Quarterly Journal Vol. 19, No. 2, Who Offers Internet Banking? - June 2000
Quarterly Journal Vol. 17, No. 4, Banking Over the Internet - December 1998
Quarterly Journal Vol. 17, No. 3, Technological Innovation in Banking and Payments (PDF) - September 1998
The Report of the Consumer Electronic Payments Task Force (PDF) - April 1998
Toward Electronic Money and Banking: The Role of Government Conference Paper - An Introduction to Electronic Money Issues (PDF) | Appendix (PDF) - September 1996