https://www.esri.ie/system/files/publications/QEC2023AUT_0.pdf
http://berlinpolicyjournal.com/the-bottom-forty-percent-have-not-benefited/
https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:52022PC0457&from=EN
https://www.mckinsey.com/industries/financial-services/our-insights/how-payments-can-adjust-to-the-coronavirus-pandemic-and-help-the-world-adapt