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Rosenbaum, Aaron , Manuszak, Mark D. , Stewart, Kylie , Hayashi, Fumiko, 1969- , Stavins, Joanna and Baughman, Garth Alan. "Faster Payments: Market Structure and Policy Considerations, 2017-100," Finance and Economics Discussion Series (September 2017). https://fraser.stlouisfed.org/title/1491/item/723994, accessed on May 21, 2026.