I recently came across the report "Economics of payment cards: A status report," written by Wilko Bolt and Sujit Chakravorti. The use of payment cards, which includes debit, credit and prepaid cars, has increased from 43% of payments to 56% of payments from 1999 to 2005. Europe has seen the same trend, as use of cards for payment has increased 140% from 1987 to 2004. Its a great look at how payments are being collected and how stores have adjusted to accommodate their users.
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