The Way We Pay With Money
利用1984-1986年荷兰调查数据，分析支付金额的样本分布，发现其符合对数正态分布，并模拟了硬币和纸币的使用情况，指出大面额纸币存在严重囤积现象。
We assess the sample distribution of payments in the Netherlands using survey data for 1984–1986. The payment pattern fits a lognormal distribution with peaks caused by the price tags of the purchased items. The results are used to simulate the use of coins and notes, which indicates a rather efficient denominational mix but a high degree of hoarding for the large bank notes.