https://cerre.eu/wp-content/uploads/2022/12/Digital-Industrial-Policy-for-Europe.pdf
http://ecipe.org//app/uploads/2018/02/ECIPE_Occasional0218_HLM_V7.pdf
https://iea.org.uk/wp-content/uploads/2023/12/Dowd-Free-Banking-Interactive.pdf
https://www.ombudsman.europa.eu/en/opening-summary/en/166783