author = { Schmiedel, Heiko AND Kostova, Gergana AND Ruttenberg, Wiebe },

title = { The social and private costs of retail payment instruments a European perspective },

publisher = {Europ. Central Bank},

keywords = { Soziale Kosten , Zahlungsverkehr , Bargeldloser Zahlungsverkehr , EU-Staaten , Amtsdruckschrift , Graue Literatur , Europäische Union },

year = {2012},

booktitle = {Occasional paper series / European Central Bank ; 137},

address = { Frankfurt am Main },

url = { http://slubdd.de/katalog?TN_libero_mab2 }