
https://www.esri.ie/system/files/publications/QEC2023AUT_0.pdf

https://blogs.imf.org/2020/03/31/maintaining-banking-system-safety-amid-the-covid-19-crisis/?utm_medium=email&utm_source=govdelivery

https://mg.co.za/africa/2021-02-08-africas-digital-transformation-risks-becoming-trapped-in-geopolitical-competition/