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Our data says that the document:

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

Full description at Econpapers

cites:

ECB (2011) The use of euro banknotes—results of two surveys among households and firms. European Central Bank Monthly Bulletin, Frankfurt, pp 79–89.

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