http://advances.sciencemag.org/content/advances/3/7/e1602821.full.pdf
https://www.projectnewsoasis.com/sites/default/files/2021-03/project-oasis-report-2021.pdf
https://www.philadelphiafed.org/-/media/frbp/assets/community-development/discussion-papers/discussion-paper_automation.pdf