@misc{IT,
   title = "\emph{{IT in banks: What does it cost?}}",
   author = "{{Mai}}",
   howpublished = "{\url{https://www.dbresearch.com/PROD/DBR_INTERNET_ENPROD/PROD0000000000299039.pdf}}",
   year = 2012
}

@misc{DTCC,
    title = "\emph{{Embracing Disruption}}",
    author = "{{The Depository Trust \& Clearing Corporation}}",
    howpublished = "{\url{http://www.dtcc.com/~/media/Files/PDFs/DTCC-Embracing-Disruption.pdf}}",
    year = 2016
}
@misc{JVM,
   title = "\emph{{The Java Virtual Machine Specification Java SE 8 Edition}}",
   author = "{{Lindholm, Yellin, Bracha, \& Buckley}}",
   howpublished = "{\url{https://docs.oracle.com/javase/specs/jvms/se8/jvms8.pdf}}", 
   year = 2015
}

@misc{BOE,
   title = "\emph{{Money creation in the modern economy}}",
   author = "{{McLeay, Radia, \& Thomas}}",
   howpublished = "{\url{http://www.bankofengland.co.uk/publications/Documents/quarterlybulletin/2014/qb14q1prereleasemoneycreation.pdf}}",
   year = 2014
}

@misc{EUC,
   title = "\emph{{The European Commission's Settlement Finality Directive}}",
   author = "{{European Commission}}",
   howpublished = "{\url{http://ec.europa.eu/finance/financial-markets/settlement/index_en.htm}}",
   year = 1998
}
@misc{Bitcoin,
   title = "\emph{{Bitcoin: A Peer-to-Peer Electronic Cash System}}",
   author = "{{Nakamoto}}",
   howpublished = "{\url{https://bitcoin.org/bitcoin.pdf}}",
   year = 2008
}

@misc{Ethereum,
    title = "\emph{{A Next-Generation Smart Contract and Decentralized Application Platform}}",
    author = "{{Buterin et al.}}",
    howpublished = "{\url{https://github.com/ethereum/wiki/wiki/%5BEnglish%5D-White-Paper}}",
    year = 2014
}

@misc{Triple,
    title = "\emph{{Triple Entry Accounting}}",
    author = "{{Grigg}}",
    howpublished = "{\url{http://iang.org/papers/triple_entry.html}}",
    year = 2005
}

@misc{Ricardian,
    title = "\emph{{The Ricardian Contract}}",
    author = "{{Grigg}}",
    howpublished = "{\url{http://iang.org/papers/ricardian_contract.html}}",
    year = 2004
}

@misc{SCT,
    title = "\emph{{Smart Contract Templates: foundations, design landscape and research directions}}",
    author = "{{Clack, Bakshi, Braine}}",
    howpublished = "{\url{http://arxiv.org/abs/1608.00771}}",
    year = 2016
}
