http://www.imf.org/external/np/seminars/eng/2015/secularstag/pdf/Venkateswaran.pdf
https://www.bbc.com/news/business-62057321
https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&ved=2ahUKEwij8PLy0aH1AhVEhP0HHf7rAYwQFnoECAYQAQ&url=https%3A%2F%2Fassets.gov.ie%2F203426%2F468690ef-2b01-4d7d-a6d3-c0cbabcab3cb.pdf&usg=AOvVaw2-vnoHbS5dgbnNXNla3sLK
https://www.mckinsey.com/industries/financial-services/our-insights/how-payments-can-adjust-to-the-coronavirus-pandemic-and-help-the-world-adapt