Federal Reserve Bank of Atlanta
and Federal Reserve Bank of Boston. "2011 Survey of Consumer Payment Choice : 2011-2012 Data User Manual" in Survey and Diary of Consumer Payment Choice
([Revised September 2014]).
https://fraser.stlouisfed.org/title/7178/item/682167/content/pdf/frbatl_2012survey_2011-2012_SCPC_Data_User_Manual, accessed on March 11, 2026.