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Harasim, J. 2015. Consumer Payment Habits and the Opportunity to Decrease the Cash in Circulation in Poland. Krakow Review of Economics and Management/Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie. 2(938) (Nov. 2015), 17–30. DOI:https://doi.org/10.15678/ZNUEK.2015.0938.0202.