https://www.richmondfed.org/publications/research/economic_quarterly/1999/fall/prescott
Means of Payment, the Unbanked, and EFT '99 | Richmond Fed
means of paymentunbankedeftrichmondfed
https://www.riksbank.se/en-gb/payments--cash/payments-in-sweden/payments-in-sweden-2020/2.-swedish-payments-are-secure-and-efficient/are-payments-in-sweden-efficient/important-to-maintain-non-digital-means-of-payment/
Important to maintain non-digital means of payment | Sveriges Riksbank
means of paymentimportantmaintainnondigital
https://www.bot.or.th/en/news-and-media/news/news-20210708-1.html
Caution on Using Digital Assets as Means of Payment for Goods and Services
means of payment