https://www.brookings.edu/articles/payment-systems-changing-role-from-economic-growth-to-the-new-foreign-policy-lever/
https://www.adb.org/sites/default/files/publication/754716/nonperforming-loans-asia-europe-causes-impacts.pdf
https://www.nao.org.uk/wp-content/uploads/2023/03/tackling-fraud-and-corruption-against-government.pdf