@incollection{, C16159910E3C1D21D2B485FC02246872 , author={{Dr. IbrahimAlley} and {LateefAdebayo} and {BlessingOligbi} and {Fountain University, Osogbo}}, journal={{Global Journal of Management and Business Research}}, journal={{GJMBR}}2249-45880975-585310.34257/GJMBR, address={Cambridge, United States}, publisher={Global Journals Organisation}1635964 } @book{b0, , title={{}} , author={{ AlShaikh } and { Said }} , year={2005} } @incollection{b1, , title={{The transactions demand for cash: An inventory theoretic approach}} , author={{ WBaumol }} , journal={{Quarterly Journal of Economics}} 66 4 , year={1952} } @incollection{b2, , title={{Monetary Policy Implications of Digital Money}} , author={{ ABerentsen }} 10.1111/%28ISSN%291467-6435 , journal={{Kyklos}} 51 1 , year={1998} } @incollection{b3, , title={{Payments are no free lunch}} , author={{ JHBrits } and { CC AWinder }} , journal={{DNB Occasional Studies}} 3 2 , year={2005} } @incollection{b4, , title={{Debit, Credit, or Cash: Survey Evidence on Gasoline Purchases}} , author={{ KCarow } and { MStaten }} , journal={{Journal of Economics and Business}} 21 , year={1999} } @book{b5, , title={{Monetary Policy in a Cashless Society}} , author={{ CClaudia } and { PDe Grauwe }} , year={2001} , publisher={CEPR Discussion Paper} , address={Brussels} } @incollection{b6, , title={{Electronic Money: New Day or False Dawn?}} , author={{ BJCohen }} , journal={{Review of lnternational Political Economy}} 8 2 , year={2001} } @incollection{b7, , title={{Appreciation and Interest}} , author={{ IFisher }} , journal={{AEA Publications}} 3 11 , year={1896} } @incollection{b8, , title={{Monetary Policy Implementation: Past, Present, and Future -Will Electronic Money Lead to the Eventual Demise of Central Banking}} , author={{ CFreedman }} , journal={{International Finance}} 3 2 , year={2000} } @book{b9, , title={{The Future of Monetary Policy: The Central Bank as an Army with only a signal corps}} , author={{ BFriedman }} No. 7420 , year={1999} , note={NBER Working Paper} } @book{b10, , title={{Banks' Costs and Income in the Payment System in 2001}} , author={{ OGresvik } and { GOwre }} , year={2002} } @book{b11, , title={{Electronic Money: A Challenge to the Sovereign State?}} , author={{ EHelleiner }} , year={1998} , note={Online} } @book{b12, , title={{How Electronic Payment Works}} , author={{ JHord }} , year={2005} } @incollection{b13, , title={{Cash, Study and Electronic Innovation Series}} , author={{ DBHumphrey } and { LBPulley } and { JMVesala }} , journal={{Los Angeles International Affairs}} 51 , year={1996} } @book{b14, , title={{Electronic Cash and the End of National Markets}} , author={{ SJKobrin }} , year={1997} } @incollection{b15, , title={{}} , author={{ BLee } and { OLonge-Akindemowo }} , journal={{Regulatory Issues in Electronic Money: A Legal Economics Analysis Netnomics}} 1 , year={1999} } @incollection{b16, , title={{Testing for indeterminacy: an application to US monetary policy}} , author={{ TALubik } and { FSchorfheide }} , journal={{American Economic Review}} 94 1 , year={2004} } @book{b17, , title={{Monetary Policy, Monetary Areas, and Financial Development with Electronic Money}} , author={{ AMarco } and { LBandiera }} IMF WP 04/122 , year={2004} } @incollection{b18, , title={{Shared ATM networks and banking competition}} , author={{ CMatutes } and { AJPadilla }} , journal={{European Economic Review}} 38 , year={1994} } @incollection{b19, , title={{Alternative monies and the demand for media of exchange}} , author={{ ASantomero } and { JSeater }} , journal={{Journal of Money, Credit and Banking}} 28 4 , year={1996} } @book{b20, , title={{Automated Teller Machines}} , author={{ WSteve }} , year={2002} } @incollection{b21, , title={{}} , author={{ CgapStaff } and { Exchange }} , journal={{CGAP IT Supermarket Operators}} } @book{b22, , title={{}} , author={{ TTanaka }} , year={1997} } @incollection{b23, , title={{The interest-elasticity of transactions demands for cash}} , author={{ JTobin }} , journal={{Review of Economics and Statistics}} , year={1956} } @book{b24, , author={{ LAMohammed }} , title={{Use biometrics to tackle ATM fraud. 010 International Conference on Business and Economics Research}} , year={2011} 1 }