Fumiko Hayashi

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Identifer

Contact

Affiliations

• Federal Reserve Bank of Kansas City
  • EDIRC entry
  • location:

Research profile

author of:

• Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in Canada and the United States
  Staff Working Papers, Bank of Canada (2021)
  by Marie-Hélène Felt & Fumiko Hayashi & Joanna Stavins & Angelika Welte
  (ReDIF-paper, bca:bocawp:21-8)
• Technology Adoption and Consumer Payments: Evidence from Survey Data
  Review of Network Economics, De Gruyter (2003)
  by Hayashi Fumiko & Klee Elizabeth
  (ReDIF-article, bpj:rneart:v:2:y:2003:i:2:n:8)
• A Puzzle of Card Payment Pricing: Why Are Merchants Still Accepting Card Payments?
  Review of Network Economics, De Gruyter (2006)
  by Hayashi Fumiko
  (ReDIF-article, bpj:rneart:v:5:y:2006:i:1:n:9)
• Quantifying the Impacts of Limited Supply: The Case of Nursing Homes
  Working Papers, Canadian Centre for Health Economics (2015)
  by Andrew Ching & Fumiko Hayashi & Hui Wang
  (ReDIF-paper, cch:wpaper:150006)
• Medición de los costos de los métodos de pago minoristas
  Boletín, CEMLA (2012)
  by Fumiko Hayashi & William R. Keeton
  (ReDIF-article, cml:boletn:v:lviii:y:2012:i:3:p:152-180)
• Payment card rewards programs and consumer payment choice
  Journal of Banking & Finance, Elsevier (2010)
  by Ching, Andrew T. & Hayashi, Fumiko
  (ReDIF-article, eee:jbfina:v:34:y:2010:i:8:p:1773-1787)
• Faster payments: market structure and policy considerations
  Current Policy Perspectives, Federal Reserve Bank of Boston (2017)
  by Garth Baughman & Fumiko Hayashi & Mark D. Manuszak & Aaron Rosenbaum & Joanna Stavins & Kylie Stewart
  (ReDIF-paper, fip:fedbcq:2017_004)
• Effects of credit scores on consumer payment choice
  Public Policy Discussion Paper, Federal Reserve Bank of Boston (2012)
  by Fumiko Hayashi & Joanna Stavins
  (ReDIF-paper, fip:fedbpp:12-1)
• Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in the United States and Canada
  Working Papers, Federal Reserve Bank of Boston (2020)
  by Marie-Hélène Felt & Fumiko Hayashi & Joanna Stavins & Angelika Welte
  (ReDIF-paper, fip:fedbwp:89226)
• Defining Households That Are Underserved in Digital Payment Services
  Working Papers, Federal Reserve Bank of Boston (2024)
  by Claire Greene & Fumiko Hayashi & Alicia Lloro & Oz Shy & Joanna Stavins & Ying Lei Toh
  (ReDIF-paper, fip:fedbwp:98803)
• Faster Payments : Market Structure and Policy Considerations
  Finance and Economics Discussion Series, Board of Governors of the Federal Reserve System (U.S.) (2017)
  by Garth Baughman & Fumiko Hayashi & Mark D. Manuszak & Aaron Rosenbaum & Joanna Stavins & Kylie Stewart
  (ReDIF-paper, fip:fedgfe:2017-100)
• Mobile payments : merchants’ perspectives
  Economic Review, Federal Reserve Bank of Kansas City (2014)
  by Terri Bradford & Fumiko Hayashi
  (ReDIF-article, fip:fedker:00014)
• Access to Electronic Payments Systems by Unbanked Consumers
  Economic Review, Federal Reserve Bank of Kansas City (2016)
  by Fumiko Hayashi
  (ReDIF-article, fip:fedker:00043)
• Who Are the Unbanked? Characteristics Beyond Income
  Economic Review, Federal Reserve Bank of Kansas City (2018)
  by Fumiko Hayashi & Sabrina Minhas
  (ReDIF-article, fip:fedker:00066)
• Payment Card Fraud Rates in the United States Relative to Other Countries since Migrating to Chip Cards
  Economic Review, Federal Reserve Bank of Kansas City (2019)
  by Fumiko Hayashi
  (ReDIF-article, fip:fedker:00083)
• Mobile Banking Use and Consumer Readiness to Benefit from Faster Payments
  Economic Review, Federal Reserve Bank of Kansas City (2020)
  by Fumiko Hayashi & Ying Lei Toh
  (ReDIF-article, fip:fedker:87834)
• Cash or Debit Cards? Payment Acceptance Costs for Merchants
  Economic Review, Federal Reserve Bank of Kansas City (2021)
  by Fumiko Hayashi
  (ReDIF-article, fip:fedker:93109)
• Interchange fees in Australia, the UK, and the United States : matching theory and practice
  Economic Review, Federal Reserve Bank of Kansas City (2006)
  by Fumiko Hayashi & Stuart E. Weiner
  (ReDIF-article, fip:fedker:y:2006:i:qiii:p:75-112:n:v.91no.3)
• Do U.S. consumers really benefit from payment card rewards?
  Economic Review, Federal Reserve Bank of Kansas City (2009)
  by Fumiko Hayashi
  (ReDIF-article, fip:fedker:y:2009:i:qi:p:37-63:n:v.94no.1)
• Mobile payments: What’s in it for consumers?
  Economic Review, Federal Reserve Bank of Kansas City (2012)
  by Fumiko Hayashi
  (ReDIF-article, fip:fedker:y:2012:i:qi:p:35-66:n:v.97no.1)
• Measuring the costs of retail payment methods
  Economic Review, Federal Reserve Bank of Kansas City (2012)
  by Fumiko Hayashi & William R. Keeton
  (ReDIF-article, fip:fedker:y:2012:i:qii:n:v.97no.2:x:1)
• The new debit card regulations: initial effects on networks and banks
  Economic Review, Federal Reserve Bank of Kansas City (2012)
  by Fumiko Hayashi
  (ReDIF-article, fip:fedker:y:2012:i:qiv:n:v.97no.4:x:3)
• The new debit card regulations: effects on merchants, consumers, and payments system efficiency
  Economic Review, Federal Reserve Bank of Kansas City (2013)
  by Fumiko Hayashi
  (ReDIF-article, fip:fedker:y:2013:i:qi:p:89-118:n:v.98no.1)
• A guide to the ATM and debit card industry - 2006 update
  Monograph, Federal Reserve Bank of Kansas City (2006)
  by Fumiko Hayashi & Richard J. Sullivan & Stuart E. Weiner
  (ReDIF-book, fip:fedkmo:2006agttaadci2)
• Interchange fees and network rules: a shift from antitrust litigation to regulatory measures in various countries
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2014)
  by Fumiko Hayashi & Jesse Leigh Maniff
  (ReDIF-article, fip:fedkpb:00001)
• Developments of QR Code-Based Mobile Payments in East Asia
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2019)
  by Terri Bradford & Fumiko Hayashi & Ying Lei Toh
  (ReDIF-article, fip:fedkpb:87738)
• Remote Card Payment Fraud: Trends and Measures Taken in Australia, France, and the United Kingdom
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2020)
  by Fumiko Hayashi
  (ReDIF-article, fip:fedkpb:89147)
• Digital, Financial, and Health Insurance Exclusion Experienced by Low-Income Households
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2021)
  by Fumiko Hayashi & Rebecca Ruiz
  (ReDIF-article, fip:fedkpb:92854)
• Assessing the Case for Retail CBDCs: Central Banks’ Considerations
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2022)
  by Fumiko Hayashi & Ying Lei Toh
  (ReDIF-article, fip:fedkpb:94353)
• Data Aggregators: The Connective Tissue for Open Banking
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2022)
  by Julian Alcazar & Fumiko Hayashi
  (ReDIF-article, fip:fedkpb:94776)
• Core Banking Systems and Options for Modernization
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2024)
  by Julian Alcazar & Sam Baird & Emma Cronenweth & Fumiko Hayashi & Ken Isaacson
  (ReDIF-article, fip:fedkpb:97881)
• Market Structure of Core Banking Services Providers
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2024)
  by Julian Alcazar & Sam Baird & Emma Cronenweth & Fumiko Hayashi & Ken Isaacson
  (ReDIF-article, fip:fedkpb:97990)
• The Role of Core Banking Services Providers in Facilitating Instant Payments
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2024)
  by Julian Alcazar & Sam Baird & Emma Cronenweth & Fumiko Hayashi & Ken Isaacson
  (ReDIF-article, fip:fedkpb:98221)
• Complex landscapes: mobile payments in Japan, South Korea, and the United States
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2007)
  by Terri Bradford & Fumiko Hayashi
  (ReDIF-article, fip:fedkpb:y:2007:i:sep)
• Developments in interchange fees in the United States and abroad
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2008)
  by Terri Bradford
  (ReDIF-article, fip:fedkpb:y:2008:i:apr)
• Discounts and surcharges: implications for consumer payment choice
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2012)
  by Fumiko Hayashi
  (ReDIF-article, fip:fedkpb:y:2012:i:jun)
• Fees, fraud and regulation: force of change in the payment card industry
  Payments System Research Briefing, Federal Reserve Bank of Kansas City (2013)
  by Fumiko Hayashi & Richard J. Sullivan
  (ReDIF-article, fip:fedkpb:y:2013:i:apr)
• Technology adoption and consumer payments : evidence from survey data
  Payments System Research Working Paper, Federal Reserve Bank of Kansas City (2002)
  by Fumiko Hayashi & Elizabeth C. Klee
  (ReDIF-paper, fip:fedkpw:psrwp02-01)
• Community bank access to payment card networks : has it become more expensive?
  Payments System Research Working Paper, Federal Reserve Bank of Kansas City (2003)
  by Fumiko Hayashi
  (ReDIF-paper, fip:fedkpw:psrwp03-02)
• A puzzle of card payment pricing : why are merchants still accepting card payments?
  Payments System Research Working Paper, Federal Reserve Bank of Kansas City (2004)
  by Fumiko Hayashi
  (ReDIF-paper, fip:fedkpw:psrwp04-02)
• Competition and credit and debit card interchange fees: a cross-country analysis
  Payments System Research Working Paper, Federal Reserve Bank of Kansas City (2005)
  by Fumiko Hayashi & Stuart E. Weiner
  (ReDIF-paper, fip:fedkpw:psrwp05-03)
• Network competition and merchant discount fees
  Payments System Research Working Paper, Federal Reserve Bank of Kansas City (2005)
  by Fumiko Hayashi
  (ReDIF-paper, fip:fedkpw:psrwp05-04)
• Payment card rewards programs and consumer payment choice
  Payments System Research Working Paper, Federal Reserve Bank of Kansas City (2006)
  by Andrew Ching & Fumiko Hayashi
  (ReDIF-paper, fip:fedkpw:psrwp06-02)
• Pricing and welfare implications of payment card network competition
  Payments System Research Working Paper, Federal Reserve Bank of Kansas City (2006)
  by Fumiko Hayashi
  (ReDIF-paper, fip:fedkpw:psrwp06-03)
• Distributional Effects of Payment Card Pricing and Merchant Cost Pass-through in the United States and Canada
  Research Working Paper, Federal Reserve Bank of Kansas City (2020)
  by Marie-Hélène Felt & Fumiko Hayashi & Joanna Stavins & Angelika Welte
  (ReDIF-paper, fip:fedkrw:89530)
• Which Types of Unbanked Households Are More (or Less) Likely to Open a Bank Account?
  Research Working Paper, Federal Reserve Bank of Kansas City (2023)
  by Fumiko Hayashi & Aditi Routh & Ying Lei Toh
  (ReDIF-paper, fip:fedkrw:96698)
• Financial Literacy, Risk Tolerance, and Cryptocurrency Ownership in the United States
  Research Working Paper, Federal Reserve Bank of Kansas City (2024)
  by Fumiko Hayashi & Aditi Routh
  (ReDIF-paper, fip:fedkrw:98055)
• Defining Households That Are Underserved in Digital Payment Services
  Research Working Paper, Federal Reserve Bank of Kansas City (2024)
  by Claire Greene & Fumiko Hayashi & Alicia Lloro & Oz Shy & Joanna Stavins & Ying Lei Toh
  (ReDIF-paper, fip:fedkrw:98816)
• The economics of payment card fee structure: what is the optimal balance between merchant fee and payment card rewards?
  Research Working Paper, Federal Reserve Bank of Kansas City (2008)
  by Fumiko Hayashi
  (ReDIF-paper, fip:fedkrw:rwp08-06)
• The economics of payment card fee structure: what drives payment card rewards?
  Research Working Paper, Federal Reserve Bank of Kansas City (2008)
  by Fumiko Hayashi
  (ReDIF-paper, fip:fedkrw:rwp08-07)
• The economics of payment card fee structure: policy considerations of payment card rewards
  Research Working Paper, Federal Reserve Bank of Kansas City (2008)
  by Fumiko Hayashi
  (ReDIF-paper, fip:fedkrw:rwp08-08)
• Product innovation and network survival in the U.S. ATM and debit card network industry
  Research Working Paper, Federal Reserve Bank of Kansas City (2008)
  by Fumiko Hayashi & Zhu Wang
  (ReDIF-paper, fip:fedkrw:rwp08-14)
• Effects of credit scores on consumer payment choice
  Research Working Paper, Federal Reserve Bank of Kansas City (2012)
  by Fumiko Hayashi & Joanna Stavins
  (ReDIF-paper, fip:fedkrw:rwp12-03)
• General purpose reloadable prepaid cards : penetration, use, fees and fraud risks
  Research Working Paper, Federal Reserve Bank of Kansas City (2014)
  by Emily Cuddy & Fumiko Hayashi
  (ReDIF-paper, fip:fedkrw:rwp14-01)
• Recurrent overdrafts: a deliberate decision by some prepaid cardholders?
  Research Working Paper, Federal Reserve Bank of Kansas City (2014)
  by Emily Cuddy & Fumiko Hayashi
  (ReDIF-paper, fip:fedkrw:rwp14-08)
• Faster payments in the United States: how can private sector systems achieve public policy goals?
  Research Working Paper, Federal Reserve Bank of Kansas City (2015)
  by Fumiko Hayashi
  (ReDIF-paper, fip:fedkrw:rwp15-03)
• Driver of choice? the cost of financial products for unbanked consumers
  Research Working Paper, Federal Reserve Bank of Kansas City (2015)
  by Josh Hanson & Fumiko Hayashi & Jesse Leigh Maniff
  (ReDIF-paper, fip:fedkrw:rwp15-15)
• Chargebacks: another payment card acceptance cost for merchants
  Research Working Paper, Federal Reserve Bank of Kansas City (2016)
  by Fumiko Hayashi & Zach Markiewicz & Richard J. Sullivan
  (ReDIF-paper, fip:fedkrw:rwp16-01)
• Faster Payments: Market Structure and Policy Considerations
  Research Working Paper, Federal Reserve Bank of Kansas City (2017)
  by Garth Baughman & Fumiko Hayashi & Mark D. Manuszak & Aaron Rosenbaum & Joanna Stavins & Kylie Stewart
  (ReDIF-paper, fip:fedkrw:rwp17-14)
• The Initial Effects of EMV Migration on Chargebacks in the United States
  Research Working Paper, Federal Reserve Bank of Kansas City (2018)
  by Fumiko Hayashi & Zach Markiewicz & Sabrina Minhas
  (ReDIF-paper, fip:fedkrw:rwp18-10)
• Innovation, Deregulation, and the Life Cycle of a Financial Service Industry
  Working Paper, Federal Reserve Bank of Richmond (2015)
  by Fumiko Hayashi & Grace Li & Zhu Wang
  (ReDIF-paper, fip:fedrwp:15-08)
• Delivering Benefits of Faster Payments to the Underserved
  Consumer & Community Context, Board of Governors of the Federal Reserve System (U.S.) (2020)
  by Claire Greene & Fumiko Hayashi & Joanna Stavins
  (ReDIF-paper, fip:g00003:89155)
• Private Annuities Markets and Adverse Selection―The Case of National Pension Funds in Japan―
  Economic Review, Hitotsubashi University (1996)
  by Tajika, Eiji & Hayashi, Fumiko
  (ReDIF-article, hit:ecorev:v:47:y:1996:i:3:p:217-228)
• The Risk of Disability and Precautionary Savings
  Economic Review, Hitotsubashi University (1997)
  by Tajika, Eiji & Hayashi, Fumiko
  (ReDIF-article, hit:ecorev:v:48:y:1997:i:3:p:207-217)
• Japan's Public Pension Policy
  Japanese Economy, Taylor & Francis Journals (1997)
  by Eui Tajika & Yoshihiro Kaneko & Fumiko Hayashi
  (ReDIF-article, mes:jpneco:v:25:y:1997:i:6:p:43-69)
• Japan's Pension Reform
  Japanese Economy, Taylor & Francis Journals (1997)
  by Eui Tajika & Yoshilmro Kaneko & Fumiko Hayashi
  (ReDIF-article, mes:jpneco:v:25:y:1997:i:6:p:70-92)
• Payment Card Rewards Programs and Consumer Payment Choice
  MPRA Paper, University Library of Munich, Germany (2008)
  by Ching, Andrew & Hayashi, Fumiko
  (ReDIF-paper, pra:mprapa:8458)
• Innovation, Deregulation, and the Life Cycle of a Financial Service Industry
  Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics (2017)
  by Fumiko Hayashi & Bin Grace Li & Zhu Wang
  (ReDIF-article, red:issued:13-257)
• Product Innovation and Network Survival in the U.S. ATM and Debit Card Industry
  2011 Meeting Papers, Society for Economic Dynamics (2011)
  by Zhu Wang & Fumiko Hayashi
  (ReDIF-paper, red:sed011:725)