Author:  L. Hartwel l Affiliation:  Independent Researcher Abstract Clearing house interbank payment systems are the largely invisible infrastructures that move value between financial institutions, enabling payroll, card settlement, securities settlement, cross-border transfers, and increasingly, instant payments for consumers and businesses. Although these systems are often viewed as technical utilities, they have become a “trending” topic in technology, management, and fin

Author:  Baktygul Sadykova Affiliation:  Independent Researcher Abstract This article analyzes the pathway “from Lehman Brothers to...