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)
  
  
• Community Affairs Department - Analysis Paper, Payroll Cards: An Innovative Product for Reaching the Unbanked and Underbanked (>PDF) (October 2003)
  
  
• Cross-Border Outsourcing and Risk Management for Banks (PDF), Published in Capco Institute Journal of Financial Transformation, 8th edition (August 2003)
  
  
• Internet Banking: Developments and Prospects (PDF) (April 2002)
  
  
• Continuity of Operations for the Financial Services Industry: Discussion of Lessons Learned from Events of September 11 (Discussion Note - PDF), (Meeting Summary - PDF).
  
  
• Report to the Congress on Review of Regulations Affecting Online Delivery of Financial Products and Services (PDF) (November 2001)
  
  
• Internet Banking in the U.S.: Landscape, Prospects, Industry Implications (PDF), Published in Capco Journal of Financial Transformation, 2nd edition (September 2001)
  
  
• Internet Banking: Developments and Prospects (PDF), Economics Working Paper 2000-9, September 2000
  
  
• Who Offers Internet Banking? (PDF), Quarterly Journal Vol. 19, No. 2, June 2000
  
  
• Banking Over the Internet (PDF), Quarterly Journal Vol. 17, No. 4, December 1998
  
  
• Technological Innovation in Banking and Payments (PDF), Quarterly Journal Vol. 17, No. 3, September 1998
  
  
• The Report of the Consumer Electronic Payments Task Force (April 1998) (PDF)
  
  
• Toward Electronic Money and Banking: The Role of Government Conference Paper - An Introduction to Electronic Money Issues" (September 1996) (Paper - PDF), (Appendix - PDF)