https://www.esri.ie/system/files/publications/QEC2023SUM_SA_FitzGerald_0.pdf
https://www.mckinsey.com/industries/financial-services/our-insights/how-payments-can-adjust-to-the-coronavirus-pandemic-and-help-the-world-adapt
https://apnews.com/article/prison-to-plate-inmate-labor-investigation-c6f0eb4747963283316e494eadf08c4e
https://www.bis.org/publ/arpdf/ar2017e_ec.pdf