Federal Reserve Bank of Atlanta. "How Risky? The Elements of Managing Retail Payments Risk : Transcript,"
Payments Spotlight
(December 15, 2011).
https://fraser.stlouisfed.org/title/7190/item/655998/content/pdf/frbatl_paymentsSpotlight_How_Risky_The_Elements_of_Managing_Retail_Payments_Risk, accessed on February 12, 2026.