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+
+
+@Misc{w3cpig,
+  author =    {W3C},
+  title =     {Web Payments Payment Flows},
+  howpublished = {\url{https://github.com/w3c/webpayments-flows/tree/gh-pages/TargetFlows}},
+  month =     {February},
+  year =      {2016},
+}
+
+
+
+
+@Book{primitiveacc,
+  author =    {Michael Perlman},
+  title =        {The Invention of Capitalism: Classical Political Economy and the Secret History of Primitive Accumulation},
+  publisher =    {Duke University Press Books},
+  year =         {2000},
+}
+
+@Unpublished{talercrypto,
+  author =       {Florian Dold and Sree Harsha Totakura and Benedikt M\"uller and Jeff Burdges and Christian Grothoff},
+  title =        {Taler: Taxable Anonymous Libre Electronic Reserves}},
+  note =         {\url{http://grothoff.org/christian/taler-draft.pdf}},
+}
+
+@techreport{dominguez1993,
+ title = "Does Central Bank Intervention Increase the Volatility of Foreign       Exchange Rates?",
+ author = "Kathryn M. Dominguez",
+ institution = "National Bureau of Economic Research",
+ type = "Working Paper",
+ series = "Working Paper Series",
+ number = "4532",
+ year = "1993",
+ month = "November",
+ doi = {10.3386/w4532},
+ URL = "\url{http://www.nber.org/papers/w4532}",
+}
+
+@article{quantitytheory1997volckart,
+ ISSN = {00130117, 14680289},
+ URL = {http://www.jstor.org/stable/2599810},
+ author = {Oliver Volckart},
+ journal = {The Economic History Review},
+ number = {3},
+ pages = {430-449},
+ publisher = {[Economic History Society, Wiley]},
+ title = {Early Beginnings of the Quantity Theory of Money and Their Context in Polish and Prussian Monetary Policies, c. 1520-1550},
+ volume = {50},
+ year = {1997}
+}
+
+@book{pcidss,
+ author = {Wright, Steve},
+ title = {PCI DSS A Practical Guide to Implementing and Maintaining Compliance},
+ year = {2011},
+ isbn = {1849281866, 9781849281867},
+ edition = {3rd},
+ publisher = {It Governance Ltd},
+}
+
+
+
+@Misc{ezb2016ourmoney,
+  author =    {{\relax European Central Bank}},
+  title =     {Our Money},
+  howpublished = {\url{http://www.new-euro-banknotes.eu/}},
+  year =      {2016},
+}
+
+@techreport{buiter2003deflation,
+ title = "Deflation: Prevention and Cure",
+ author = "Willem H. Buiter",
+ institution = "National Bureau of Economic Research",
+ type = "Working Paper",
+ series = "Working Paper Series",
+ number = "9623",
+ year = "2003",
+ month = "April",
+ doi = {10.3386/w9623},
+ URL = "http://www.nber.org/papers/w9623",
+}
+
+@Article{nigeria2015exchange,
+  author =       {Nnanna Philemon Azu and Alireza Nasiri},
+  title =        {Exchange rate Fluctuation and Sustainable Economic growth in Nigeria: VAR Approach},
+  journal =      {Journal of Econonomics and Sustainable Development},
+  year =         {2015},
+  volume =    {6},
+  number =    {13},
+  pages =     {228--238},
+}
+
+@Misc{diaspora2011,
+  author =    {Josh Constine},
+  title =     {After The {Regretsy} and {Diaspora} Account Freezes, We’ve Lost Confidence In {PayPal}},
+  howpublished = {\url{http://techcrunch.com/2011/12/06/paypal-account-freeze/}},
+  month =     {Dec},
+  year =      {2011},
+}
+
+@Misc{crinkey2011rundle,
+  author =    {Guy Rundle},
+  title =     {The humble credit card is now a political tool},
+  howpublished = {\url{http://www.crikey.com.au/2011/10/25/rundle-humble-credit-card-now-a-political-tool-just-ask-wikileaks/}},
+  month =     {Oct},
+  year =      {2011},
+}
+
+@Misc{guardian2015cap,
+  author =    {Rupert Jones},
+  title =     {Cap on card fees could lead to lower prices for consumers},
+  howpublished = {\url{http://www.theguardian.com/money/2015/jul/27/cap-on-card-fees-retailers}},
+  month =     {July},
+  year =      {2015},
+}
+
+@Article{rms2013democracy,
+  author =       {Richard Stallman},
+  title =        {How Much Surveillance can Democracy Withstand?},
+  journal =      {WIRED},
+  year =         {2013},
+}
+
+@Misc{ibi2014,
+  author =    {ibi research},
+  title =     {Digitalisierung der Gesellschaft 2014 --- Aktuelle Einsch\"atzungen und Trends},
+  howpublished = {\url{http://www.ecommerce-leitfaden.de/digitalisierung-der-gesellschaft-2014.html}},
+  year =      {2014},
+}
+
+@Misc{mtan,
+  author =    {John E. Dunn},
+  title =     {Eurograbber {SMS} Trojan steals 36 million from online banks},
+  howpublished = {\url{http://www.techworld.com/news/security/eurograbber-sms-trojan-steals-36-million\-from-online-banks-3415014/}},
+  month =     {Dec},
+  year =      {2012},
+}
+
+@Misc{emv,
+  title =     {EMVCo},
+  howpublished = {\url{http://www.emvco.com/}},
+  year =      {2016},
+}
+
+@Misc{kobil2016tan,
+  title =     {ChipTAN/CardTAN: What you see is what you sign},
+  howpublished = {\url{http://www.kobil.com/solutions/identity-access-card-readers/chiptan/}},
+  year =      {2016},
+}
+
+@Misc{cors,
+  author =    {A. van Kersteren},
+  title =     {Cross-Origin Resource Sharing},
+  howpublished = {\url{http://www.w3.org/TR/cors/}},
+  month =     {January},
+  year =      {2014},
+}
+
+@Misc{ehrenberg2014data,
+  author =    {Billy Ehrenberg},
+  title =     {How much is your personal data worth?},
+  howpublished = {\url{http://www.theguardian.com/news/datablog/2014/apr/22/how-much-is-personal-data-worth}},
+  month =     {April},
+  year =      {2014},
+}
+
+@Misc{adblockblocks,
+  author =    {Mark Sweney},
+  title =     {City {AM} becomes first {UK} newspaper to ban ad blocker users},
+  howpublished = {\url{http://www.theguardian.com/media/2015/oct/20/city-am-ban-ad-blocker-users}},
+  month =     {October},
+  year =      {2015},
+}
+
+@Misc{munichicecream,
+  author =    {Timot Szent-Ivanyi},
+  title =     {Wie Firmen ihre Kassen manipulieren},
+  howpublished = {\url{http://www.fr-online.de/wirtschaft/steuerhinterziehung-wie-firmen-ihre-kassen-manipulieren-,1472780,31535960.html}},
+  month =     {August},
+  year =      {2015},
+}
+
+@InProceedings{pets2004kuegler,
+  author =       {Dennis K\"ugler},
+  title =        {On the Anonymity of Banknotes},
+  booktitle = {Privacy Enhancing Technologies},
+  year =      {2004},
+  pages =     {108--120},
+  publisher = {Springer Verlag},
+}
+
+@PhdThesis{holz2014,
+  author =       {Ralph Holz},
+  title =        {Empirical analysis of Public Key Infrastructures and investigation of
+improvements},
+  school =       {TU Munich},
+  year =         {2014},
+}
+
+
+@misc{Bankrate,
+  author = {Chris Kahn},
+  site = {Bankrate.com},
+  title = {May 2014 Financial Security Index charts},
+  year = 2014,
+  url = {http://www.bankrate.com/finance/consumer-index/financial-security-charts-0514.aspx},
+  urldate = {2016-02-10},
+  note = {[Online; Accessed: 2016-02-10]}
+}
+
+
+@article{chaum1981untraceable,
+  title={Untraceable electronic mail, return addresses, and digital pseudonyms},
+  author={Chaum, David L},
+  journal={Communications of the ACM},
+  volume={24},
+  number={2},
+  pages={84--90},
+  year={1981},
+  publisher={ACM}
+}