https://eurasianet.org/armenias-economic-boom-hurts-tech-sector
https://iea.org.uk/wp-content/uploads/2023/12/Dowd-Free-Banking-Interactive.pdf
https://www.socialeurope.eu/2017/07/european-safe-bond-handle-care/
http://www.ips-journal.eu/regions/europe/article/show/a-banking-union-without-unity-2181/