
https://cerre.eu/wp-content/uploads/2023/07/CERRE-Virtual-Worlds-Issue-Paper-0723.pdf

https://wiiw.ac.at/still-in-the-fast-lane-how-can-eu-cee-get-its-groove-back-dlp-6997.pdf

https://www.adb.org/sites/default/files/publication/754716/nonperforming-loans-asia-europe-causes-impacts.pdf