@misc{vandak2024cash,
  title={Cash and Card Acceptance in Retail Payments: Motivations and Factors},
  author={Samuel Vandak and Geoffrey Goodell},
  year={2024},
  eprint={2401.07682},
  archivePrefix={arXiv},
  primaryClass={cs.CY},
  url={https://arxiv.org/abs/2401.07682}
}