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and Federal Reserve Bank of Boston. "2012 Survey of Consumer Payment Choice : Data User Manual" in Survey and Diary of Consumer Payment Choice
([July 2014]).
https://fraser.stlouisfed.org/title/7178/item/655169/content/pdf/frbatl_2012survey_2011-2012_SCPC_Data_User_Manual, accessed on March 5, 2026.