Explaining adoption and use of payment instruments by US consumers
Sergei Koulayev,
Marc Rysman,
Scott Schuh and
Joanna Stavins
RAND Journal of Economics, 2016, vol. 47, issue 2, 293-325
Date: 2016
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Working Paper: Explaining adoption and use of payment instruments by U.S. consumers (2015) 
Working Paper: Explaining adoption and use of payment instruments by U. S. consumers (2012) 
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