21 世纪的货币：廉价、移动和数字化》，理查德-霍尔登著（加州大学出版社，加州奥克兰，2024 年）。 209 页和 Gottfried Leibbrandt 和 Natasha de Terán 合著的《The Pay Off: How Changing the Way We Pay Changes Everything》（Elliott and Thompson，伦敦，2022 年）。共 292 页

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