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A Guide to the ATM and Debit Card Industry
by Fumiko Hayashi, Richard Sullivan and Stuart E. Weiner
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A Guide to the ATM and Debit Card Industry (Federal Reserve Bank)
On the debit card side of the industry, growth has been extremely rapid in point-of-sale (POS) debit card transactions. With an annual growth rate of 32 percent from 1995 to 2002, POS debit is the fastest growing type of payment in the United States. Today it accounts for nearly 12 percent of all retail noncash payments, a fivefold increase in just five years.1 Growth has been sharp in both online and offline debit. From 1995 to 2002, annual growth of online debit was 29 percent, while offline debit grew at 36 percent.
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