the use of paper checks that has been quite uneven across consumers and not well understood. This paper estimates … econometric models of consumers’ adoption (extensive margin) and use (intensive margin) of checks plus six other common U … checks can explain directly about 25 and 14 percent, respectively, of the 8.4 percentage point decline in check use from 2003 …

this effect. This paper uses grocery store scanner data to examine how time affects consumer choices of checks and debit …