Daniels, Kenneth N., Neil B. Murphy, and Dennis M. O’Toole. “An Empirical Analysis of the Use of Money Orders, the Payment System of the Poor”. Financial Services Review 3, no. 1 (December 30, 1993): 75–81. Accessed November 21, 2024. https://openjournals.libs.uga.edu/fsr/article/view/3723.