Listra, E., Rahu, K. and Vaiser, N. 2012. Systematic differences of retail exchange rate spreads in some EU countries: the banks against financial integration. Valuutade jaekursside kursivahede süstemaatilised erinevused mõnedes Euroopa Liidu riikides: pangad versus finantsintegratsioon. Estonian Discussions on Economic Policy. 19, 2 (Jan. 2012). DOI:https://doi.org/10.15157/tpep.v19i2.417.