1. The Economics and Regulation of the Portuguese Retail Payments System
2. The Impact of the U.S. Debit Card Interchange Fee Regulation on Consumer Welfare: An Event Study Analysis". Coase-Sandor Institute for Law and Economics Working Paper No;David S Evans;Journal of Competition Law and Economics,2013
3. How Changes in Payment Card Interchange Fees Affect Consumers Fees and Merchant Prices: An Economic Analysis with Applications to the European Union
4. There is no serious dispute that merchants do not pass on 100 percent of the cost savings nor could there be given economic theory and empirical evidence. Notably, a study in the US estimated that merchants kept about a third of the interchange fee cost savings as profits. Shapiro;Robert J,2013