Federal Reserve Bank of Dallas. "Federal Reserve Survey Provides Information on Mobile Financial Services : Press Release, Notice 12-12," District Notices (Federal Reserve Bank of Dallas) (March 14, 2012). https://fraser.stlouisfed.org/title/5569/item/616020/content/pdf/frbdallas_circ_20120314_no2012-12, accessed on March 15, 2026.