@misc{peters2023examining,
  title={Examining Cashless Payment Services in a Post-Pandemic Environment},
  author={Janiya R. Peters and Orissa Rose},
  year={2023},
  eprint={2303.12970},
  archivePrefix={arXiv},
  primaryClass={cs.CY},
  url={https://arxiv.org/abs/2303.12970}
}