Age seems to be a larger determinant of automated teller machine use than ethnicity, according to a researcher's national survey.

Many such studies have found that young people are more likely than older ones to use ATM cards for cash withdrawals and at the point of sale, but a recent survey by Pulse EFT Association of Houston examined activity by different ethnic groups. It found that among people with bank accounts and telephones, black, Hispanic, and Asian-Americans were more likely than whites to own and use ATM cards-but were also younger on average.

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