Mester, Loretta Jean and Federal Reserve Bank of Cleveland. "An Update on the Federal Reserve's Efforts to Modernize the Payment System : Keynote Speech, 2022 Chicago Payments Symposium: Building Customer-Centered and Adaptive Networks, Federal Reserve Bank of Chicago" in Statements and Speeches of Loretta J. Mester (October 4, 2022). https://fraser.stlouisfed.org/title/9033/item/669941, accessed on January 20, 2026.