The Use of Cheques in the European Union: A Cross-Country Analysis
Vânia G. Silva, Esmeralda Ramalho, Carlos Vieira
Open Economies Review, vol. 28, 2017, p. 581-602.

The Impact of SEPA in Credit Transfer Payments: Evidence from the Euro Area
Vânia G. Silva, Esmeralda Ramalho, Carlos Vieira
Research In International Business And Finance, vol. 38, 2016, p. 404-416.