Federal Reserve Bank of Atlanta
and Federal Reserve Bank of Boston. "2016 Survey of Consumer Payment Choice : Data User Manual" in Survey and Diary of Consumer Payment Choice
(June 22, 2018).
https://fraser.stlouisfed.org/title/7178/item/655174/content/pdf/frbatl_2016survey_scpc2017_users_guide, accessed on March 7, 2026.