https://www.banque-france.fr/sites/default/files/media/2019/04/17/ngfs_first_comprehensive_report_-_17042019_0.pdf
https://int.nyt.com/data/documenttools/house-antitrust-report-on-big-tech/b2ec22cf340e1af1/full.pdf
https://iea.org.uk/wp-content/uploads/2023/12/Dowd-Free-Banking-Interactive.pdf