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The Payment Cards Center's commitment to industry analysis and research is fulfilled through its support of consumer payments- and payment cards-related papers written by center staff, visiting scholars, researchers affiliated with the center, and economists in the Bank's Research Department. These papers can take several forms: discussion papers, conference summaries, working papers, or Business Review articles. Discussion papers and conference summaries are generally written by center staff and are aimed at industry and policy-oriented audiences. Working papers are intended for the professional researcher and are written by center visiting scholars and economists in the Bank's Research Department. The Business Review includes less technical articles written by economists in the Bank's Research Department. Recently published papers are available in pdf format on the center's website. A chronological listing of papers posted to the website in 2008 follows.