https://www.strategie.gouv.fr/sites/strategie.gouv.fr/files/atoms/files/fs-2024-rapport-france_relance_volume_1_avis.pdf
https://iea.org.uk/wp-content/uploads/2023/12/Dowd-Free-Banking-Interactive.pdf
https://cerre.eu/wp-content/uploads/2023/07/CERRE-Virtual-Worlds-Issue-Paper-0723.pdf