https://cerre.eu/wp-content/uploads/2022/12/CERRE_MarketDesign_Final.pdf
http://www.ips-journal.eu/regions/europe/article/show/a-banking-union-without-unity-2181/
https://sosapadilla.github.io/files/papers/Bianchi_Sosa-Padilla_PP.pdf
https://openmarketsinstitute.org/wp-content/uploads/2020/04/OMI-House-Letter-4.17.20.pdf