Federal Reserve Bank of Dallas. "Federal Reserve Survey Provides Information on Mobile Financial Services : Consumers and Mobile Financial Services, 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_report, accessed on March 9, 2026.