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Polasik, Górka, J., Wilczewski, G., Kunkowski, J., & Przenajkowska, K. T. (2012). Time Efficiency of Point-of-Sale Payment Methods: Empirical Results for Cash, Cards, and Mobile Payments. Social Science Research Network, No. 48, 87-100.
https://doi.org/10.2139/ssrn.1769922

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