17 BIBLIOGRAPHY CNN September 2012 Visa exec hails phone payment revolution http edition cnn com 2012 09 06 business contactless phone payment visa Trade Forfaiting Review March 2015 What s in a name http www tfreview com feature supply chain whats name EXCHAiNGE Supply Chain Conference 2013 Speech by Dr Volker Lange Fraunhofer Institute for Material Flow and Logistics Capgemini EFMA World Banking Report 2015 http www efma com index php resources studies detail EN 1 507 1 1G5MBX McKinsey Harnessing the power of shifting global flows http www mckinsey com insights business technology harnessing the power of shifting global flows Boston Consulting Group Real world impact of big data and advanced analytics http www bcg com expertise capabilities big data advanced analytics impact aspx Accenture Big success with big data https www accenture com hk en media Accenture Conversion Assets DotCom Documents Global PDF Industries 14 Accenture Big Data POV pdf Treasury Today June 2015 Estonia a digital economy http treasurytoday com 2015 06 estonia a digital economy ttcyf Estonia eu e Estonia http estonia eu about estonia economy a it e estonia html World Bank Group Doing Business 2015 going beyond efficiency http www doingbusiness org media GIAWB Doing 20Business Documents Annual Reports English DB15 Chapters DB15 Report Overview pdf Ernst Young Born to be digital how leading CIOs are preparing for a digital transformation http www ey com Publication vwLUAssets EY CIO Born to be digital FILE EY CIOs Born to be digital pdf The Economist May 2013 Why does Kenya lead the world in mobile money http www economist com blogs economist explains 2013 05 economist explains 18 SWIFT August 2015 Market adoption of BPO facilitating multi banking in supply chain finance to mitigate payment risks and enable financing opportunities World Economic Forum 2015 Davos Speech by Angela Merkel Chancellor of Germany

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