2010
"Future payments - mobile, social or sociomobile?", SPEED Vol 4 No 4, Summer 2010
"Transparent price competition of two-sided subsidisation in card payments? Is there a need for a more efficient business model for the card industry?" Payments Strategy & Systems, Vol 4 No 2, June 2010
"From two-sided subsidization to transparent price competition in card payments -Potential benefits of a more efficient business model" , May 2010
"Fördelaktigare betalsystem genom transparent prissättning", Ekonomista Samfundets Tidskrift, 1/10 (Available only in Swedish)
Leinonen H. (2010), "Simulation as a tool in studying payment and settlement systems", in Kahn, C.M. (ed.), Effective Oversight of Payment and Settlement Systems: Maintaining financial plumbing, The Marketing & Management Collection, Henry Stewart Talks Ltd, London (online at http://hstalks.com/?t=MM1092545-Leinonen)
2009
(-ed.) "Evolving payment habits", Bank of Finland Expository studies, A:113, 2009
" The Changing Retail Payment Landscape: An overview ", October 2009
(- & Sampo Alhonsuo, Ed. Esko Roos) "Pankkikriisien toistuva kaava", O & P, 3/2009 (Available only in Finnish)
(-ed.) "Simulation analyses and stress testing of payment networks", Bank of Finland Studies, E:42 2009
"Europe's payments follow national paths", SPEED, Central Banking Publications Limited, Vol 3 No 4, Spring 2009
(- & Sampo Alhonsuo) "Pankkikriisit toistavat samaa kaavaa", Euro & Talous, 1/2009 (Available only in Finnish)
2008
"How Could Mobile GSM Experiences be Used to Increase Card Payment Efficiency?", gtnews.com (available for download, www.gtnews.com), December 2008
(- & Sampo Alhonsuo) "Pankkikriisit noudattavat samaa kaavaa - Pankkikriisien yleisestä anatomiasta", BoF Online 16/2008 (Available only in Finnish)
"Restructuring Value Transfer Structure for Efficient Real-Time Economy Processing", EDS and CROSSTALKS: Semantic Interfaces and Key Opportunities of SEPA, Edited by Marleen Wynants, June 2008
"Authorities' changing role in payments", SPEED, Central Banking Publications Limited, Vol 2 No 4, Spring 2008
"After 2010: Will the Customer become king?", The Future of Finance after SEPA, Edited by Chris Skinner, Spring 2008
"Payment habits and trends in the changing e-landscape 2010+", Bank of Finland Expository studies, A:111, 2008 (Russian translation, Перевод на русский язык)
2007
"From plastic to bits – payment habits are changing", Bank of Finland Bulletin, 4/2007
"Maksaminen maksaa liikaa", Talouselämä, 42/2007
"Six trends in European payments", SPEED, Central Banking Publications Limited, Vol 2 Summer 2007
(-ed.) "Simulation studies of liquidity needs, risks and efficiency in payment networks", Bank of Finland Studies, E:39 2007
"On the efficiency of multilateral interchange fees (MIFs)", BoF Online, 4/2007
"The Efficiency Of Multilateral Interchange fees", gtnews.com, May 2007
"How to reap the benefits from e-invoicing", SPEED, Central Banking Publications Limited, Vol1 No 4 Spring 2007
"Interview on the Payment Industry: Facing new Challenges", Communications & Strategies, Idate, No 66 / 2nd quarter 2007
"Basics of Efficiency and STP in securities Processing", gtnews.com, Feb 2007
2006
"Understanding the Changing Economics of SEPA", gtnews.com, Aug 2007
"Euroopan maksu- ja selvitysjärjestelmät muutosten kourissa", Suomen Pankki , A:109 2006 (Suomen Pankki, EMU ja rahoitusmarkkinat, ed. Pentti Pikkarainen and Antti Suvanto)
"Bank provided e-invoicing structures and benefits", Appendix to EU Comission Next Steps (in SEPA) proposal, Feb 2006
2005
"Benefits of a common financial transfer message (FTM)", TWIST standards, Sep 2005
(-ed.) "Liquidity, risks and speed in payment and settlement systems – a simulation approach", Bank of Finland Studies, E:31 2005
2004
(- &Kimmo Soramäki) "Simulation: A powerful research tool in payment and settlement systems", Payment Systems Worldwide, Autumn 2004, and also published in Journal of Financial Transformation, Payments Vol 12 – December 2004
"Simulointimallit maksu- ja selvitysjärjestelmien uutena tutkimusvälineenä", Kansantaloudellinen Aikakausikirja, 2/2004
2003
(- & Kimmo Soramäki) "Simulating interbank payment and securities settlement mechanisms with BoF-PSS2 simulator", Bank of Finland discussion papers, 23/2003
"Restructuring securities Systems for Maximum Efficiency", Payment Systems Worldwide, Winter 2003-2004
"Développement de la Banque en ligne dans les Pays Nordiques", Revue d el'Économie Financière Les Métiers financière face à Internet, Revue D'Économie Financière, No 69, 2003
"Restructuring securities systems processing - a blue print proposal for real-time/t+0 processing", Bank of Finland Discussion papers, 7/2003
(- &Timo Iivarinen, Matti Lukka and Veikko Saarinen) "Regulation and control of payment system risks – a Finnish perspective", Bank of Finland Studies, A:106, 2003
2002
"Network-Based Payments and E-Settlement", Payment Systems Worldwide, Autumn 2002, also published in Journal of Financial Transformation, Payments Vol 12 – December 2004
"Network-based payments and e-settlement – a long-term perspective", Bank of Finland Bulletin 4/2002
(- & Veli-Matti Lumiala and Riku Sarlin) "Settlement in modern network-based payment infrastructures – description and prototype of the E-Settlement model", Bank of Finland discussion papers 23/2002
2001
"Redesigning International Payment Systems I and II", Payment Systems Worldwide, Summer and Autumn 2001 also published in Central Bank Publishing E-money and Payment Systems Review April/2002
"Developments in retail payment systems", Bank of Finland Bulletin 2/2001 also published in BIS papers Nr 7 2001
2000
" Re-engineering Payment Systems for the E-world ", Bank of Finland Discussion papers 17/2000
1999
" Maksuliikkeen likviditeetin hallinnan uudet haasteet ", Suomen Pankki, Euro & talous 4/1999
"Management of liquidity in payment systems: new challenges", Bank of Finland Bulletin 4/1999
(- & Ralf Pauli) "Bank of Finland’s oversight of payment and settlement systems", Bank of Finland Bulletin 3/1999
(- & Ralf Pauli) "Suomen Pankin tehtävät maksu- ja selvitysjärjestelmien yleisvalvonnassa", Suomen Pankki, Euro & talous 3/1999
(- & Soramäki Kimmo) "Optimizing Lquidity Usage and Settlement Speed in Payment Systems", Bank of Finland, Discussion papers 16/1999
1998
" Interbank funds transfer systems: liquidity needs, counterparty risks and collateral ", Bank of Finland Discussion papers 16/1998
"Maksuliikkeen katteensiirtojärjestelmät: likviditeettitarpeet, vastapuoliriskit ja vakuuskäytännöt", Suomen Pankki, Keskustelualoite 9/98
(- & Saarinen Veikko) "Payment system risks in Finland and the need for regulation and supervision", Bank of Finland Studies A:101, 1998
(- & Saarinen Veikko) "Suomalaiset maksujärjestelmäriskit niiden sääntely- ja valvontatarpeet", Suomen Pankki, Sarja A:100