Convergence in European Retail Payments

  title={Convergence in European Retail Payments},
  author={Emmi Martikainen and H. -P. Schmiedel and Tuomas Takalo},
NOTE: This Occasional Paper should not be reported as representing the views of the European Central Bank (ECB). The views expressed are those of the authors and do not necessarily reflect those of the ECB. In 2013 all ECB publications feature a motif taken from the €5 banknote. 3 Suomen Pankki – Finlands Bank The views expressed in this paper do not necessarily reflect those of the European Central Bank or Suomen Pankki – Finlands Bank. Ad van Riet and an anonymous referee for their very… CONTINUE READING


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