ElectronicBanker Research Briefs

ATM

Electronic banking became part of everyday life when automated teller machines spread during the 1970s and 1980s. The first networks proved that secure card credentials, PIN pads, and real-time authorization could shrink the distance between customers and their deposits.

ACH

Automated Clearing House rails digitized recurring payments, payroll, and bill pay, showing how batch instructions could move funds efficiently across institutions without paper checks.

Wire Money

Wire systems such as Fedwire, CHIPS, and SWIFT created same-day settlement expectations for corporates and cross-border teams, anchoring trust in high-value electronic transfers.

Stablecoins

The newest era of electronic banking borrows from decades of risk management to govern tokenized value, linking real-time ledgers, audit trails, and compliance controls with programmable assets.