Board of Governors of the Federal Reserve System (U.S.), 1935-. "The 2004 Federal Reserve Payments Study : Analysis of Noncash Payments Trends in the United States: 2000 — 2003 (Summary Report)," Federal Reserve Payments Study (December 15, 2004). https://fraser.stlouisfed.org/title/6092/item/584820, accessed on September 6, 2024.