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![Cover for Matthaus Markus Sielecki · Creating and Governing an Integrated Market for Retail Banking Services in Europe: A Conceptual-Empirical Study of the Role of Regulation in Promoting a Single Euro Payments Area - Corporate Finance and Governance (Innbunden bok) [New edition] (2011)](https://imusic.b-cdn.net/images/item/original/340/9783631608340.jpg?matthaus-markus-sielecki-2011-creating-and-governing-an-integrated-market-for-retail-banking-services-in-europe-a-conceptual-empirical-study-of-the-role-of-regulation-in-promoting-a-single-euro-payments-area-corporate-finance-and-governance-innbunden-bok&class=scaled&v=1558848917)