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Allen, Franklin; Demirguc-Kunt, Asli; Klapper, Leora; Peria, Maria Soledad Martinez . (2016). The Foundations of Financial Inclusion: Understanding Ownership and Use of Formal Accounts. Journal of Financial Intermediation, (), S1042957315000534–. doi:10.1016/j.jfi.2015.12.003 
An interview with Sci-Hub Founder Alexandra Elbakyan,Who exactly should pay for academic research