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Payments Systems in the U.S. Paperback – September 15, 2010

4.7 out of 5 stars 22 customer reviews

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Product Details

  • Paperback: 166 pages
  • Publisher: Glenbrook Partners (September 15, 2010)
  • Language: English
  • ISBN-10: 098278970X
  • ISBN-13: 978-0982789704
  • Product Dimensions: 9.7 x 0.4 x 7.4 inches
  • Shipping Weight: 4.8 ounces (View shipping rates and policies)
  • Average Customer Review: 4.7 out of 5 stars  See all reviews (22 customer reviews)
  • Amazon Best Sellers Rank: #593,471 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

By R. Gutierrez on October 28, 2013
Format: Paperback Verified Purchase
When I began my career in the Payments Industry 30 years ago or so, a friend asked me a question: "What do you do for a living?" My answer "I program computers providing banks services to make payments for businesses and individuals." His response "That can't be too hard. How do you make it happen?" My answer, "Well...1) people enter data on computer terminals that are connected to a computer that connects to a program that takes in the account and money information from the person transferring the money and account number and bank information of the person who is owed the money 2) puts the information on a database, 3) takes the money away from the account, 4) connects to another program that sends the money through a phone circuit to the Federal Reserve Bank's computer 5) who sends it to the bank's computer where the person owed the money has their account, and adds the money to that account." His response - "Oh. Sounds complicated." Over the decades money has been moved as data on behalf of businesses, consumers and banks with technological changes improving the devices, methods, and communications networks, resulting in the ability to move money/data seamlessly. What is considered by end users a conceptually simple task of making a payment; information entered on the internet, a card swiped in a point-of-sale reader, a computer generating information, and most recently, Smartphones, is not simple mechanically as articulated in this publication.

This book provides payment detail articulated in a well written and concise description of the payments industry in the United States today.
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Format: Paperback Verified Purchase
The introduction of this book states that it is written for the payments professional. As an individual who recently joined the payments industry, I found this work to very insightful. In addition, I'm convinced that it will be helpful even for those who are not professionally involved in the payment industry . Although this is not a book with lots of pages, it took me a while to go through this book cover to cover as there is a lot of information presented in here. It wasn't an easy read but the effort was well worth it. The book starts with an overview of different payments systems and then takes a deep dive into each of the individual systems, moves onto perspectives from different folks involved in payment systems including users and providers, and finally closes out with emerging payments systems. This book is very well organized and writing is pretty clear most of the time. The chapter on cards was especially very interesting and informative. I had several "aha, now that makes sense" movements just relating my experience as a user of payment systems as I went through this book. While the price is a bit high, it's definitely a worth investment. I'm sure I'll be referring to this book as a reference in the future.
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This well written summary by two industry veterans will take the novice or experienced member of the payment systems industry through a comprehensive and easy to understand summary of the workings of the US payment system.

Beginning with some history and overview, the authors cover the landscape from checks and cash to debit and credit cards, ACH and wires. Discussing in some level of detail the process, players and issues found in each payment medium, the reading is extraordinarily easy to understand and will provide the reader with up to date information and a great picture of the current state of the payments industry.

A must read for anyone in banking and transactional finance, or in card or business banking operations, and probably a good resource for the student as well.
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I'd been on the lookout for a book that provides an excellent overview of payment systems in U.S and I had the following criteria for my selection:

1. Recently published
2. Must be easy to read and understand
3. Written by payment professional(s)
4. Less than 150 pages. (Believe me; going through even 150 pages on payment domain is no fun)

I'd glad to have found this book. Honestly I was a bit skeptical on the possibility of covering such a vast subject in less than 150 pages, but the reviews for this book are very positive about the content so I decided to give it a try. But after reading it, I echo with other reviewers.

The book is 150 pages, easy to read, clearly communicates and covers various payment system and even has a chapter on emerging payments. It's the same size of an iPad but probably weighs less; a great reference to carry around. The book starts with an overview, and then covers checking, ACH, Cards, Cash, Wire and perspectives on payments. Each subject starts with brief history, current economics and where it is headed. One should expect to get a good introduction to payment systems domain from this book, but should not expect a lot on the technical aspects (How to implement, latest technical developments etc.).

Finally, thanks to Carol and Scott for sharing their insights.
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