1. AFSCM. (2012). Interface specification between telecom operators and NFC service providers v2.1. Tech. rep., AFSCM.
2. Akram, R., Markantonakis, K., & Sauveron, D. (2014). Collaborative and ubiquitous consumer oriented trusted service manager. In 2014 IEEE 13th International Conference on trust, security and privacy in computing and communications (TrustCom), pp. 448–456.
3. Apanasevic, T. (2013). Factors influencing the slow rate of penetration of NFC mobile payment in Western Europe. In Proceedings of the international conference on mobile business (ICMB),
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.
4. Arthur D. Little. (2013). Role and importance of TSM players in the NFC ecosystem. Tech. rep., Arthur D. Little.
5. Consult Hyperion and GSMA. (2014). HCE and tokenisation for payment services. Tech. rep.,
http://www.gsma.com/digitalcommerce/wp-content/uploads/2014/11/GSMA-HCE-and-Tokenisation-for-Payment-Services-paper_WEB.pdf
.