Mester, Loretta Jean. "Changes in the Use of Electronic Means of Payment : 1995-2007," in Federal Reserve Bank of Philadelphia. "Third Quarter 2009," Business Review (Federal Reserve Bank of Philadelphia) (Third Quarter 2009) : 29-37. https://fraser.stlouisfed.org/title/5580/item/557750/toc/522453 , accessed on April 19, 2024.