https://www.eca.europa.eu/Lists/ECADocuments/SR19_01/SR_FRAUD_RISKS_FR.pdf
https://fpc.org.uk/wp-content/uploads/2022/04/London-Calling-publication-April-2022.pdf
https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32019R0452&from=EN
https://www.nber.org/system/files/working_papers/w30028/w30028.pdf