@book { CreatingandGoverninganIntegratedMarketforRetailBankingServicesinEurope,
    title = "Creating and Governing an Integrated Market for Retail Banking Services in Europe",
    author = "Matthäus Markus {Sielecki}",
    year = "2012",
    publisher = "Peter Lang Verlag",
    address = "Berlin, Germany",
    doi = "10.3726/978-3-653-00811-1",
    url = "https://www.peterlang.com/document/1044509"
}