CMSPI - State of the Industry Report - 2025

ENDNOTES 7

788 Three years after Bitcoin’s introduction in El Salvador: How widely used is the cryptocurrency in that country? | Voice of America 789 Three years after Bitcoin’s introduction in El Salvador: How widely used is the cryptocurrency in that country? | Voice of America 790 The Extended Fund Facility (EFF) | International Monetary Fund 791 IMF Reaches Staff-Level Agreement with El Salvador on an Extended Fund Facility Arrangement | International Monetary Fund Section 3 792 Estimating the Volume of Counterfeit U.S. Currency in Circulation | Federal Reserve 793 Understanding Types of Payment Methods | Association for Financial Professionals 794 Mandating Cash Acceptance | Australian Government: The Treasury 795 Who Pays For Your Rewards? Redistribution in the Credit Card Market | Federal Reserve 796 Gen Z Leads the Hunt: 65% of Young Consumers Actively Seek Card Rewards | PYMNTS 797 ATM Industry Association 798 Cash Management Leadership Institute 799 Global Currency Forum | International Currency Association 800 The Ultimate Chargeback Statistics 2025: Trends, Costs, and Solutions | Chargeflow 801 How Do Credit Card Refunds Work? | Experian 802 How Much Does a POS System Cost in 2025? | Square 803 Company 10ks 804 What Is The Average Credit Card Interest Rate This Week? | Forbes 805 How major credit card networks protect customers against fraud | Bankrate 806 Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) | Federal Register 807 Truth in Lending Act (Regulation Z) | National Credit Union Administration 808 Organisation Structure | EMVCo 809 How Long Does It Take for a Refund To Show Up on Your Debit Card? The Answer | Privacy 810 How Much Does a POS System Cost in 2025? | Square 811 Regulation Q Repeal | U.S. Federal Reserve

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