Julia S. Cheney

Senior Industry Specialist

Phone: (215) 574-6557
Fax: (215) 574-7101
Send an e-mail to Julia Cheney

Julia Cheney joined the Payment Cards Center in September 2003 and serves as the senior industry specialist. Her research interests include the payments market for underserved consumers, the development of payment innovations such as prepaid and mobile applications, and the payment system risks presented by identity theft and other forms of financial fraud.

Prior to her work in the Payment Cards Center, Cheney served as vice president of strategy and business development for Internet marketing company e-ValuePlus. Earlier, she spent several years in international market and business development within the financial services industry, including director-level positions with both FleetBoston Financial and its credit card division's predecessor Advanta Corporation. She has worked in the Spanish market with Advanta and the Brazilian market with General Motors (the GM Card).

Cheney received a bachelor's degree in economics from Dickinson College and an M.B.A. in international business from the University of South Carolina.

Expertise:

Consumer credit and electronic payments
Identity theft
Prepaid cards
Underserved consumer markets

Payment Cards Center Publications:

Heartland Payment Systems: Lessons Learned from a Data Breach - January 2010
An Examination of Mobile Banking and Mobile Payments: Building Adoption as Experience Goods? – June 2008
Alternative Data and Its Use in Credit Scoring Thin- and No-File Consumers – February 2008
An Update on Trends in the Debit Card Market – June 2007
Payments, Credit, and Savings: The Experience for LMI Households – October 2007
Supply- and Demand-Side Developments Influencing Growth in the Debit Market – October 2006
The Role of Electronic Payments in Disaster Recovery: Providing More Than Convenience – September 2006
Prepaid Cards: An Important Innovation in Financial Services – July 2006
How Effective Were the Financial Safety Nets in the Aftermath of Katrina? – January 2006
Identity Theft: Do Definitions Still Matter? – August 2005
Payment Cards and the Unbanked: Prospects and Challenges – July 2005
Prepaid Card Models: A Study in Diversity – March 2005
Identity Theft: Where Do We Go From Here? – April 2004
Identity Theft: A Pernicious and Costly Fraud – December 2003

View publications by the Payment Cards Center.