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• Peter Cincinelli, Domenico Piatti, Non Performing Loans, Moral Hazard & Supervisory Authority: The Italian Banking System.
• Gustavo A. Barboza, Chad Smith, Inoussa Boubacar, A Contribution to the Empirics of Consumers' Anxiety Behavior on and in Credit Card Repayment. Credit Card Management and Financial Literacy Among College Student.

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