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Scholnick, B., Massoud, N., Saunders, A., Carbo-Valverde, S., & Rodríguez-Fernández, F. (2008). The Economics of Credit Cards, Debit Cards and ATMs: A Survey and Some New Evidence. Journal of Banking & Finance, 32, 1468-1483.
https://doi.org/10.1016/j.jbankfin.2007.05.001

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