Branch2 Intelligence
Federal Reserve issues initial findings from its 2025 triennial payments study
Key takeaway
Fed's 2025 payments study reveals accelerating shift from cash to digital payments, with implications for merchant costs and payment infrastructure.
- Step 1Fed payments study confirms accelerating shift from cash to digital payments in the US.
- Step 2US payment trends influence global card network pricing and regulatory frameworks, transmitting to UK merchant service fees.
- Step 3UK SMEs accepting card payments face potential upward pressure on merchant discount rates as networks adjust pricing models.
Source: Federal Reserve Press
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