https://www.cesifo-group.de/DocDL/ifoDD_18-01_03-09_Ochsner.pdf
https://www.mckinsey.com/industries/financial-services/our-insights/how-payments-can-adjust-to-the-coronavirus-pandemic-and-help-the-world-adapt
https://www.occrp.org/en/rotenberg-files/
https://www.brookings.edu/wp-content/uploads/2018/07/Moulton-report-v2.pdf