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It integrated a framework that permitted the Federal Reserve to ban these payments at financial institutions, including the top rated banks and credit card providers in the USA. It started an exodus of operators from the US market place, with lots of significant providers fearing the repercussions of significant fines and imprisonment. That becoming stated, 1 of the greatest strengths of this study is that the measures and methodology made use of for each surveys was the identical. This prevented any variations in measures or technique adding to the error or bias in the outcomes. The only distinction between the two surveys is that a cell-phone sample was utilised in addition to the landline sample at the time of the second survey. Adding a cell-phone sample for the second survey assured that we would have access to the increasing quantity of households and men and women with cell-telephone-only accessibility. This is critical for the reason that there are demographic variations amongst cell telephone and landline populations. In addition to the matter of cell phones, the typically recognized limitations of surveys – self-report and low completion prices – apply to this research.