@book{20337,
	author = {European Investment Bank},
	title = {Who is prepared for the new digital age?},
	url = {https://library.oapen.org/bitstream/20.500.12657/47352/1/QH0220090ENN.en.pdf||https://library.oapen.org/bitstream/20.500.12657/47352/1/QH0220090ENN.en.pdf}
}