1. Effects of direct pricing of retail payment methods in Norway. (2014). Utrero-González, Natalia ; Hromcová, Jana ; Callado-Muñoz, Francisco ; Utrero-Gonzalez, Natalia ; Callado-Muoz, Francisco J..
   In: Economic Modelling.
   RePEc:eee:ecmode:v:37:y:2014:i:c:p:428-438.

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2. Direct pricing of retail payment methods: Norway vs. US. (2010). Utrero-González, Natalia ; Hromcová, Jana ; Callado-Muñoz, Francisco ; Francisco Jose Callado Muñoz, .
   In: Working Papers. Serie AD.
   RePEc:ivi:wpasad:2010-20.

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3. Payment card rewards programs and consumer payment choice. (2010). Hayashi, Fumiko ; Ching, Andrew.
   In: Journal of Banking & Finance.
   RePEc:eee:jbfina:v:34:y:2010:i:8:p:1773-1787.

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4. Consumer behavior and payment choice : 2006 conference summary. (2007). Stavins, Joanna ; Schuh, Scott ; Carten, Margaret ; Littman, Dan.
   In: Public Policy Discussion Paper.
   RePEc:fip:fedbpp:07-4.

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1. Amromin, Gene, Carrie Jankowski, and Richard D. Porter. 2005. Transforming Payment Choices by Doubling Fees on the Illinois Tollway. Working paper available at: http://www.bos.frb.org/news/conf/payments2005/porter.pdf.

2. Hayashi, Fumiko, and Elizabeth Klee. 2003. Technology Adoption and Consumer Payments: Evidence from Survey Data. Review of Network Economics 2(2) (June): 175190.

3. Kahn, Charles M., and William Roberds. 2005. Credit and Identity Theft. Working paper available at: http://www.bos.frb.org/news/conf/payments2005/kahn_roberds.pdf.

4. Loix, Ellen, Roland Pepermans, and Leo Van Hove. 2005. Whos Afraid of the Cashless Society? Belgian Survey Evidence. Working paper available at: http://www.bos.frb.org/news/conf/payments2005/vanhove.pdf.
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5. Schreft, Stacey. 2005. How and Why Do Consumers Choose Their Payment Methods? Working paper available at: http://www.bos.frb.org/news/conf/payments2005/schreft.pdf.

6. Stavins, Joanna. 2001. Effect of Consumer Characteristics on the Use of Payment Instruments. Federal Reserve Bank of Boston New England Economic Review. Q3 :1931. Available at: http://www.bos.frb.org/economic/neer/neer2001/neer301b.htm.
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7. Yilmazer, Tansel, ByoungMin Kim, and Richard Widdows. 2005. The Determinants of Consumers Adoption of Internet Banking. Working paper available at: http://www.bos.frb.org/news/conf/payments2005/yilmazer.pdf.

1. The impact of SEPA in credit transfer payments: Evidence from the euro area. (2016). Vieira, Carlos ; Silva, Vania G ; Ramalho, Esmeralda A.
   In: Research in International Business and Finance.
   RePEc:eee:riibaf:v:38:y:2016:i:c:p:404-416.

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2. Benefits of the retail payments card market: Russian cardholders evidence. (2016). Krivosheya, Egor ; Korolev, Andrew.
   In: Journal of Business Research.
   RePEc:eee:jbrese:v:69:y:2016:i:11:p:5034-5039.

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3. The use of cheques in the European Union: a cross-country analysis. (2016). Vieira, Carlos ; Silva, Vania ; Ramalho, Esmeralda .
   In: CEFAGE-UE Working Papers.
   RePEc:cfe:wpcefa:2016_03.

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4. Payment instrument adoption and use in the United States, 2009–2013, by consumers demographic characteristics. (2015). Stavins, Joanna ; Connolly, Sean.
   In: Research Data Report.
   RePEc:fip:fedbdr:15-6.

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5. Quality and Competition between Public and Private Firms. (2015). Ma, Ching-to ; Laine, Liisa ; Koulayev, Sergei ; Schuh, Scott ; Rysman, Marc ; Stavins, Joanna.
   In: Boston University - Department of Economics - Working Papers Series.
   RePEc:bos:wpaper:wp2015-005.

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6. Consumer cash usage: A cross-country comparison with payment diary survey data. (2014). Stix, Helmut ; Schuh, Scott ; Schmidt, Tobias ; Kosse, Anneke ; Huynh, Kim ; Bagnall, John ; Bounie, David.
   In: Discussion Papers.
   RePEc:zbw:bubdps:132014.

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7. Effects of Institutional Environment and Technology Development on Payment Choice. (2014). Utrero-González, Natalia ; Hromcová, Jana ; Callado-Muñoz, Francisco ; Utrero-Gonzalez, Natalia ; Callado-Muoz, Francisco J..
   In: Working Papers.
   RePEc:uab:wprdea:wpdea1403.

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8. Choosing and using payment instruments: evidence from German microdata. (2014). von Kalckreuth, Ulf ; Stix, Helmut ; Schmidt, Tobias.
   In: Empirical Economics.
   RePEc:spr:empeco:v:46:y:2014:i:3:p:1019-1055.

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9. Consumer cash usage: a cross-country comparison with payment diary survey data. (2014). Stix, Helmut ; Schuh, Scott ; Schmidt, Tobias ; Kosse, Anneke ; Huynh, Kim ; Bagnall, John ; Bounie, David.
   In: Working Papers.
   RePEc:fip:fedbwp:14-4.

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10. Currency demand, new technology, and the adoption of electronic money: Micro evidence from Japan. (2014). Tanaka, Migiwa ; Fujiki, Hiroshi.
    In: Economics Letters.
    RePEc:eee:ecolet:v:125:y:2014:i:1:p:5-8.

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11. Consumer cash usage: a cross-country comparison with payment diary survey data. (2014). Stix, Helmut ; Schuh, Scott ; Schmidt, Tobias ; Kosse, Anneke ; Huynh, Kim ; Bagnall, John ; Bounie, David.
    In: Working Paper Series.
    RePEc:ecb:ecbwps:20141685.

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12. Consumer Cash Usage: A Cross-Country Comparison with Payment Diary Survey Data. (2014). Stix, Helmut ; Schuh, Scott ; Schmidt, Tobias ; Kosse, Anneke ; Huynh, Kim ; Bagnall, John ; Bounie, David.
    In: Staff Working Papers.
    RePEc:bca:bocawp:14-20.

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13. Multi-Equilibria Regulation Agent-Based Model of Opinion Dynamics in Social Networks. (2013). Tsekeris, Theodore ; Katerelos, Ioannis ; Koulouris, Andreas .
    In: Interdisciplinary Description of Complex Systems - scientific journal.
    RePEc:zna:indecs:v:11:y:2013:i:1:p:51-70.

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14. Choosing how to pay: The influence of foreign backgrounds. (2013). Kosse, Anneke ; Jansen, David-Jan.
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:37:y:2013:i:3:p:989-998.

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15. Why are payment habits so heterogeneous across and within countries? Evidence from European countries and Italian regions. (2013). Ardizzi, Guerino ; Iachini, Eleonora .
    In: Questioni di Economia e Finanza (Occasional Papers).
    RePEc:bdi:opques:qef_144_13.

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16. Why are payment habits so heterogeneous across and within countries? Evidence from European countries and Italian regions. (2013). Ardizzi, Guerino ; Iachini, Eleonora .
    In: Questioni di Economia e Finanza (Occasional Papers).
    RePEc:bdi:opques:qef_144_01.

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17. Modeling the Share of Cash Payments in the Economy: An Application to France. (2012). bouhdaoui, yassine ; Bounie, David.
    In: International Journal of Central Banking.
    RePEc:ijc:ijcjou:y:2012:q:4:a:5.

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18. Effects of credit scores on consumer payment choice. (2012). Stavins, Joanna ; Hayashi, Fumiko.
    In: Research Working Paper.
    RePEc:fip:fedkrw:rwp12-03.

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19. Effects of credit scores on consumer payment choice. (2012). Stavins, Joanna ; Hayashi, Fumiko.
    In: Public Policy Discussion Paper.
    RePEc:fip:fedbpp:12-1.

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20. Household Need for Liquidity and the Credit Card Debt Puzzle. (2012). Telyukova, Irina.
    In: University of California at San Diego, Economics Working Paper Series.
    RePEc:cdl:ucsdec:qt0ww2c04z.

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21. The economics of bill payments: an empirical analysis. (2011). François, Abel ; Bounie, D. ; Francois, A..
    In: Applied Economics Letters.
    RePEc:taf:apeclt:v:18:y:2011:i:10:p:961-966.

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22. How effective are rewards programs in promoting payment card usage? Empirical evidence. (2011). Liñares-Zegarra, José ; Carbo Valverde, Santiago ; Carb-Valverde, Santiago ; Liares-Zegarra, Jos M..
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:35:y:2011:i:12:p:3275-3291.

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23. Choosing how to pay: the influence of home country habits. (2011). Jansen, David-Jan ; Kosse, Anneke.
    In: Working Papers.
    RePEc:dnb:dnbwpp:328.

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24. Payment card rewards programs and consumer payment choice. (2010). Hayashi, Fumiko ; Ching, Andrew.
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:34:y:2010:i:8:p:1773-1787.

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25. Why are (some) consumers (finally) writing fewer checks? The role of payment characteristics. (2010). Stavins, Joanna ; Schuh, Scott.
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:34:y:2010:i:8:p:1745-1758.

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26. Retail payments: New contributions, empirical results, and unanswered questions. (2010). Humphrey, David B..
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:34:y:2010:i:8:p:1729-1737.

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27. Digitization of Retail Payment. (2010). Bolt, Wilko.
    In: Working Papers.
    RePEc:dnb:dnbwpp:270.

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28. Choosing and using payment instruments: evidence from German microdata. (2009). von Kalckreuth, Ulf ; Stix, Helmut ; Schmidt, Tobias.
    In: Discussion Paper Series 1: Economic Studies.
    RePEc:zbw:bubdp1:200936.

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29. Technological change, financial innovation, and diffusion in banking. (2009). White, Lawrence ; Frame, W.
    In: FRB Atlanta Working Paper.
    RePEc:fip:fedawp:2009-10.

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30. Debit or credit?. (2009). Zinman, Jonathan.
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:33:y:2009:i:2:p:358-366.

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31. Choosing and using payment instruments: evidence from German microdata. (2009). von Kalckreuth, Ulf ; Stix, Helmut ; Schmidt, Tobias.
    In: Working Paper Series.
    RePEc:ecb:ecbwps:20091144.

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32. Payment Card Rewards Programs and Consumer Payment Choice. (2008). Hayashi, Fumiko ; Ching, Andrew.
    In: MPRA Paper.
    RePEc:pra:mprapa:8458.

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33. Summary of the workshop on Consumer Behavior and Payment Choice. (2008). Stavins, Joanna ; Schuh, Scott.
    In: Public Policy Discussion Paper.
    RePEc:fip:fedbpp:08-5.

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34. How people pay: Evidence from grocery store data. (2008). Klee, Elizabeth.
    In: Journal of Monetary Economics.
    RePEc:eee:moneco:v:55:y:2008:i:3:p:526-541.

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35. The choice at the checkout: Quantifying demand across payment instruments. (2008). Borzekowski, Ron ; Kiser, Elizabeth K..
    In: International Journal of Industrial Organization.
    RePEc:eee:indorg:v:26:y:2008:i:4:p:889-902.

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36. Incentives at the counter: An empirical analysis of surcharging card payment and payment behaviour in the Netherlands. (2008). Jonker, Nicole ; van Renselaar, Corry.
    In: Working Papers.
    RePEc:dnb:dnbwpp:196.

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37. Household Need for Liquidity and the Credit Card Debt Puzzle. (2008). Telyukova, Irina.
    In: University of California at San Diego, Economics Working Paper Series.
    RePEc:cdl:ucsdec:qt4c67r71r.

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38. Consumer awareness and the use of payment media : evidence from young finnish consumers. (2008). Takalo, Tuomas ; Hyytinen, Ari.
    In: Research Discussion Papers.
    RePEc:bof:bofrdp:2008_002.

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39. Household Need for Liquidity and the Credit Card Debt Puzzle. (2007). Telyukova, Irina.
    In: MPRA Paper.
    RePEc:pra:mprapa:6674.

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40. An Agent Based Simulation Of Smart Metering Technology Adoption. (2007). Nuttall, William ; Zhang, T..
    In: Cambridge Working Papers in Economics.
    RePEc:cam:camdae:0760.

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41. Les déterminants de la détention et de l’usage des instruments de paiement : éléments théoriques et empiriques. (2006). François, Abel ; Bounie, David ; Franois, Abel.
    In: Revue d'Économie Financière.
    RePEc:prs:recofi:ecofi_0987-3368_2006_num_83_2_4007.

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42. Payment card rewards programs and consumer payment choice. (2006). Hayashi, Fumiko ; Ching, Andrew.
    In: Payments System Research Working Paper.
    RePEc:fip:fedkpw:psrwp06-02.

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43. The choice at the checkout: quantifying demand across payment instruments. (2006). Borzekowski, Ron ; Kiser, Elizabeth K..
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2006-17.

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44. Consumers use of debit cards: patterns, preferences, and price response. (2006). Borzekowski, Ron ; Ahmed, Shaista ; Kiser, Elizabeth K..
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2006-16.

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45. Paper or plastic? the effect of time on the use of check and debit cards at grocery stores. (2006). Klee, Elizabeth.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2006-02.

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46. Families use of payment instruments during a decade of change in the U.S. payment system. (2006). Klee, Elizabeth.
    In: Finance and Economics Discussion Series.
    RePEc:fip:fedgfe:2006-01.

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47. Consumer behavior and payment choice: a conference summary. (2006). Stavins, Joanna ; Schuh, Scott ; Crowe, Marianne .
    In: Public Policy Discussion Paper.
    RePEc:fip:fedbpp:06-1.

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48. Debit or credit?. (2005). Zinman, Jonathan.
    In: Conference Series ; [Proceedings].
    RePEc:fip:fedbcp:y:2005:x:1.

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49. Why use debit instead of credit? Consumer choice in a trillion-dollar market. (2004). Zinman, Jonathan.
    In: Staff Reports.
    RePEc:fip:fednsr:191.

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50. A puzzle of card payment pricing : why are merchants still accepting card payments?. (2004). Hayashi, Fumiko.
    In: Payments System Research Working Paper.
    RePEc:fip:fedkpw:psrwp04-02.

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