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Bolt, W., & Chakravorti, S. (2012-08-06). Digitization of Retail Payments. In  (Ed.), The Oxford Handbook of the Digital Economy. : Oxford University Press,. Retrieved 21 May. 2019, from https://www.oxfordhandbooks.com/view/10.1093/oxfordhb/9780195397840.001.0001/oxfordhb-9780195397840-e-5.