TheFederal Reserve Financial Services (FRFS) strategic plan for 2012–2016 namedimprovements in the end-to-end speed and security of the payment system as twoof its policy initiatives. End-to-end in this context means that for the firsttime end-users are explicitly included. Earlier versions of the strategy planwere circulated for public comment, and the feedback received by FRFSspecifically identified a need for further research
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