1. A birthday present every eleven wallets? The security of customer-chosen banking PINs;Bonneau,2012
2. EMV
3. Banking in the Developing World: The Poor are Differenthttp://www.economist.com/blogs/feastandfamine/2012/04/banking-developing-world
4. Information and Communications for Development 2012: Maximizing Mobilehttps://siteresources.worldbank.org/EXTINFORMATIONANDCOMMUNICATIONANDTECHNOLOGIES/Resources/IC4D-2012-Report.pdf
5. New person-to-person payment methods: Have checks met their match?;Bradford,2012