5Gilbert,R.A.,2008,Requiem for regulation Q:What it did and why it passed away,Federal Reserve Bank of St.Louis Review,2,22-37.
6Latzer,M.,Capie,F.H.,Sauerwein,F.,Schmitz,S.W.,Tsomocos,D.P.,Wood,G.,2005,Institutional change in the payment systems by electronic money innovations:Implica-tions for monetary policy,institute of Technology Assessment of The Austrian Academy of Sciences.
