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16 FDIC Banking Rev. [i] (2004)

handle is hein.journals/fdicbnkrv16 and id is 1 raw text is: Banking Review This year's FDIC Banking Review features papers from the FDIC's Future of Banking project. Initiated by Chairman Donald Powell, the study projects likely trends in the structure and performance of the banking industry and anticipates the policy issues that will confront the industry and the regulatory community in the coming years. The Future of Banking in America Simmary and Conclusions (page 1) by George Hanc This paper summarizes the 16 papers that constitute the future of banking study, and finds that the industry has favorable prospects for the years immediately ahead. The paper concludes with a discussion of possible events that might alter this outcome. The Evolving Fble of Commercial Banks in US Credit Markets (page 29) by Katherine Samolyk The author examines 50 years of Flow of Funds Accounts (FFA) quarterly data to assess the significance of commercial banks in the provision of credit in the United States. The Effect of U.S Banking on Payment System Changes (page 67) by Neil B. Murphy The author discusses the major payments methods with emphasis on the major interbank networks and their implications for banks and the regulatory community. The views expressed are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. Articles may be reprinted or abstracted if the FDIC Banking Review and author(s) are credited. Please provide the FDIC's Division of Insurance and Research with a copy of any publications containing reprinted material. Single-copy subscriptions are available to the public free of charge. Requests for subscriptions, back issues or address changes should be mailed to: FDIC Banking Review, Public Information Center, 801 17th Street, N.W., Washington, DC 20434. Chairman Donald E. Powell Director, Division of Insurance Arthur J. Murton and Research Deputy Director Fred Carns Managing Editor Jack Reidhill Editorial Committee Christine E. Blair Valentine V. Craig Rose M. Kushmeider Publication Manager Geri Bonebrake

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