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“Do we really need another lira, dollar, euro, pound or yuan? A critical reflection on CBDC” published by FinTech Istanbul, also in Turkish, full text here

“Do we need another dollar, euro, pound or yuan? How to create the right ecosystem for a successful central bank digital currency” in special edition on “Next Steps for Digital Currencies” of the Journal of Payments Strategy & Systems, JPSS, Henry Stewart Publications, March 2023
Cited by David Birch referring to “the respected payments expert Michael Salmony … who is, as you would expect, totally correct” in text on ABBA and  Forbes

ETPPA Open Finance Manifesto presented to Heads of Units of DG FISMA
Article published in The Payers “European Third Party Providers share their vision of the EU’s Open Finance Frameworkpromoted on LinkedIn

AI for Consultants “The AI and ChatGPT Boom: What You Need to Know”, published by CoMatch LinkedInLinkedIn

Comment in “The Future of Digital Trust: Authentaverse”, by LexisNexis Risk Solutions

Article on learnings on CBDC Central Banks’ thinking

“The game changer in Open Banking: B2B integration” in Trade Finance Global, for SIBOS 2023
Promoted by Fintech Istanbul (in Turkish), LinkedIn,

“CBDC: The silver bullet for cross-border payments?” in Trade Finance Global, 25th Oct 2023

“FIDA: Opening up all financial services” as ETPPA in The Payers report “The Open Revolution – From Open Banking to Open Finance”, 23rd Nov 2023
LinkedIn and another and another

Nov 23 The Payers: “Where money comes from and where it is going – From printed banknotes to digital CBDC”
Linkedin promotion, long read LinkedIn
Republished in Northeypoint by Mike Chambers

“Can Central Bank Digital Currencies (CBDCs) truly transform the realm of cross-border payments ?”, TMI Treasury Management International


Comment on Bundesbank Discussion Paper on CBDC – Disintermdiating Banks, fast and slow


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“Neo-Banks – will they overthrow traditional banks ?” published by FinTech Istanbul, full text here
promoted in Turkish and translated in Turkish

“The Hidden Champion: The Value of B2B in FinTech” published by FinTech Istanbul,
promoted on LinkedIn

Quoted 9 times in Edgar Dunn/Findexable’s “2023 Fintech & Advanced Payments report” on Fintech, Embedded Finance, Crypto, CBDC, see LinkedIn

Fintech & Advanced Payments report”iDEAL and the Future of Payments in the Netherlands” published by The Fintech Times, promoted by Worldline


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Bitcoin – le bilan de plus de 10 ans, published – in French – in Africa FinTech Forum and Breaking Banks Africa, 15 January 2021.
Breaking Banks is the worldwide number 1 global fintech radio show and podcast broadcasts/streams live in the US on WVNJ and WGCH Radio (New Jersey, New York and Connecticut) and via Voice America’s Business Channel and a broad range of podcast download media. It has nearly 7 million listeners from 180 countries, with large audiences in the US, UK, Australia, UAE and Singapore. Reaching 180 countries. Breaking Banks is an international radio show and podcast with specialist channels for Europe, Asia and Africa.

“Open Banking – fundamentals, lessons learned, and practical examples” published by The Payers in “Global Mapping and Infographic of Key Players in the Open Banking Ecosystem”

How do we get from “here” to EPI? – published as Worldline blog
promoted on LinkedIn

The Future of Payments in The Netherlands – published as Worldline blog
promoted on LinkedIn

Co-author (with  100 others such as Nat Sakimura) of GAIN – Global Assured Identity Network

“A Single Data Market is Clearly the Way Forward” in FinTech Istanbul, September 2021, tweeted, reposted by Garanti Bank as “excellent read” on LinkedIn, etc
also in Turkish “İlerlemenin Yegâne Yolu: Tek Bir Açık Veri Pazarı (“The Only Way To Progress: A Single Open Data Marketplace”, October 2021, tweeted, etc

“EPI: Vom fragmentierten zum einheitlichen europäischen Zahlungsverkehr” as Worldline blog

“Attaining Reach for Embedded Finance with APIs” in FinTech Istanbul, October 2021, tweeted


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Money and the fear of missing out: How to stay sane in a world shaken by Libra, Journal of Payments Strategy & Systems JPSS, Henry Stewart Publications London, Vol. 13, No. 4, Volume 13, Winter 2019-20, pp. 282-287, Jan/Feb 2020
tweeted,  promoted on LinkedIn, also by publisher and cited by several as great analysis
Full text on “How Europe can stay sane in a world shaken by Libra”

Building cyber resilience through openness, equensWordline Blog

“The digital identity assets that banks have are ripe for the picking” Worldline blog, Jan 2020
Re-published in Dutch by, the well-know national finance publication

Blog – with Head of Partnership & Alliances and Head of Strategy, Worldline – on the impact and possible consequences of Covid-19 on the banks, FinTechs and BigTechs.

White Paper “Towards Financial Sustainability” as part of campaign for Worldline ePayments Challenge

EPI: The European Payments Initiative, equensWorldline Blog

FPN Jahrbuch Beitrag

New Money Review on “Breaking the grip of the platforms” (see also podcast/media)
promoted on Linkedin and tweeted about under “want to understand in 30 minutes what’s going on in the internet” and tweet “What Libra has done” and tweet “We’re still using passwords – a 1970s technology” and tweet “Cybercrime is now run by companies with a CEO” and tweet “Opening up the world of data” and tweet “Germany alone has 58 different identity schemes” and tweet “Google can rummage around in all your bank data” and tweet “A new European data market”

“A single European Data Market is clearly the way forward” Worldline newsletter for Sibos on The European Strategy for Data, the Open Data Economy, importance of Digital Identity, Cybercrime. This will be read by thousands of interested people and is the highlight of the campaign, 1 Oct 2020


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“Digital ID Story” (Samarbejde om verdens bedste ID-løsning)
published in Børsen (Danish), the most important business media in Denmark, 26 January 2019

An open approach gives federated digital identity by banks a strong boost
equensWorldline blog for Money2020 and tweet promotions naming Salmony as most influential speakerVideo interview with equensWorldline Board Member Alessandro Baroni on “Identity is bigger than payments”

“Banks taking back control”
published in JPSS for publication in Journal of Payments Strategy & Systems Volume 13 Number 1, March 2019
published in EPC European Payments Council as Insight under “Banks Regaining Initiative”, March 2019
and  promoted  with  lots  of  tweets:also published by equensWorldline as blog
content essence republished by equensWorldline CEO and Head of Payments Products as blogs and interview at SIBOS
Published in Banking and Information Technology BIT, Volume 2, pp75-82, October 2019
German long version published in Cartes Karten Cards, August 2019
Used as key theme at equensWorldline Client User Group 7th November, Barcelona
Used in EACB and EBF and BVN/Currence strategy workshops 14th March, 8th April and 11th July 2019
Promoted by CEO at EBAday and Finextra, July 2019

“PSD2 is the catalyst for the platform economy in financial services” (“PSD2 is katalysator voor platformeconomie in financieel verkeer”)
Interview in “EYe on Finance” (Dutch) distributed to 3000 senior managers and SB members in the Financial Services industry, June 2019
to be reused as eWL blog (English)

“Run aufs Konto: Die wilden Ideen der Finanzbranche”
Interview with Der Handel, April 2019
Reduced to one sentence in Zeit Online

Interview with Ovum for Mastercard “Delivering on the promises of Open Banking” to explore the latest thinking around the impact of open banking on the financial services industry
“of all the interviews, yours was the most quotable”
June 2019

Interview with PSE Consulting as part of survey of 10-15 senior experts from global banks through to regulators, acquirers, processors, merchants etc. to obtain a rounded view of the opportunities in the Open Banking market
June 2019

Interview mit Handelsblatt und msgGillardon zu grosser Studie „Das neue Payments Ökosystem“ mit Ergebnissen einer umfassenden Marktforschung. Ein wichtiger Teil des Inhalts werden Interviews namhafter Experten wie Salmony sein, “banking insight 1/2019: Kapitel PRAXIS – 4 Fragen an 3 Experten”, Herbst 2019

Der Bank Blog
Open Banking – eine Explosion der Kreativität ist zu erwarten – Apps auf dem Bankkonto – Wie Daten für zukünftiges Mehrgeschäft genutzt werden

The Age of Consent – The Case for Federated Bank ID
Expert comment in publication by Citi Bank, Treasury and Trade Solutions

“Banken, werdet Vorreiter im Zahlungssektor!”, in Börsenzeitung, 8.8.2019 p4

Banks can save us from the online identity meltdown
re-published in Italian as “Le banche possono salvarci dal “collasso” dell’identità online?”

Interview with equensWorldline CEO in Italian Hwupgrade on PSD2 and Instant Payments

Interview with Payments International on API mashup economy, Identity and pan-European scheme

Interview Handelsjournal “Wir erwarten eine Explosion der Kreativität” on Open Banking, pp20-22, November 2019

Publication by equensWorldline CMO Alessandro Baroni in Italian “Con la PSD2 inizia la nuova era dell’open banking e del Finance” (with the PSD2 begins the new era of open banking and finance), November 2019


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“Identity is Broken”
Mobey Forum blog July 2018
promoted on LinkedIn and Twitter

“Rethinking Digital Identity”
JPSS Journal of Payments Strategy & Systems, Volume 12, Number 1, Spring 2018, pp40-57, Henry Stewart Publications
Cited in Starnawska S.E. “Sustainability in the Banking Industry Through Technological Transformation” in: The Palgrave Handbook of Corporate Sustainability in the Digital Era. Palgrave Macmillan, Cham, 2021

“Rethinking Digital Identity” published by EPC
promoted by EPC legal counsel and again by EPC, promoted by equensWorldline and again and again by Worldline Digitisation

“Reaching pan-European Integration and Success in Open Banking”
in Payments & FinTech Lawyer, Cecile Park Media, pp7-11, May 2018

“Reaching pan-European Integration and Success in Open Banking”
CAPS White Paper, May 2018
promoted on LinkedIn

“What’s ahead in 2018: thoughts from the Editorial Board”, contribution on Identity “SSPP-Auth: How to solve the mess around Identity – with Banking” in a ’roundtable’ featuring members of the editorial board discussing 2017 in review and looking ahead to the potential issues/developments likely to surface in 2018
Payments & FinTech Lawyer, pp17-19, January 2018, Cecile Park Media

“Mobile Strong Customer Authentication under PSD2: Comparisons and Considerations”, CAPS/GSMA White Paper, released at Mobile World Congress 2018

“The Future Use of Instant Payments – the real benefits, much beyond mobile P2P, especially for business”, published in BIT Banking and Information Technology, 1/2018, pp34-50

Banks can save us from the online identity meltdown
Published by The Payers which reaches 84.120 finance professionals monthly and generates around 185.100 pageviews globally
re-published on equensWorldline blog with tweets cited at SIBOS
re-published in Italian

Digitale Identitäten – Banken positionieren sich als Identitätsanbieter
published by PPI Consultancy and promoted at Business Breakfast

Beheer van digitale identiteit kan veiliger en handiger (Digital identity management can be more secure
and more convenient – Public vs Private Identity Provision)
in Atos’ GOV Magazine, with 7.300 printed copies and digital targeted towards Dutch public care/wellfare market

Interview in FinTech Times on future of Fintech, financial inclusion etc


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“Opening up may be good for you”
Article on Open Banking for equensWorldline, February 2017
also to be published in Worldline magazine and newsletter

“The future use of Instant Payments – are we investing billions just to do P2P?”
JPSS Journal of Payments Strategy & Systems, Volume 11, Number 1, Spring 2017, pp. 58-77(20), Henry Stewart Publications
cited in “The Evolution of Global Instant Payment Infrastructure” by Juan Camilo Giraldo-Mora et al, Copenhagen Business School
republished as “The Future Use of Instant Payments – the real benefits, much beyond mobile P2P, especially for business”, published in BIT Banking and Information Technology, 1/2018, pp34-50

“Instant Payments – der Türöffner für Innovationen im Zahlungsverkehr”
PPI Consultancy forum “on the latest monumental topics” PayToday

“Making PSD2 access to accounts work in practice”
Open Banking and API Report 2017 – Innovation and Best Practices, The Payers

“Embrace the Changes”
joint interview with Wordline CEO and “Worldline’s internationally renowned PSD2 Programme Director, Michael Salmony” with the European Commissioner for Competition, Margrethe Vestager, on PSD2 and the EU Commission’s vision for the European financial market and the FinTech industry, Money 20/20 magazine, pp44-47, June 2017
published and tweeted about

“Blockchain – not for Payments?”
FinTech Futures, KNect365 Finance, Payments International

“Be Prepared for a Banking Revolution”
Article written by Journalist for The Telegraph UK after interview

Inaugural Australian Payments Summit
article written including Salmony contributions pre and post event, Asia retail etc…


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“Pan-European Mobile Peer-to-Peer Payment – and beyond”
closing paper in inaungural edition of Journal of Digital Banking, Volume One, Number One, Summer 2016, ISSN 2397-060X, pp85-93, Henry Stewart publications
cited in “Mobile Payment and Its Social Impact” by Liguo Yu (Indiana University South Bend, USA) and Liping Sun (Harbin University of Science and Technology, China) – Mobile Applications and Solutions for Social Inclusion, 2018

“The Future Use of Instant Payments – from Infrastructure to Novel Applications“ in “Digital Payments – Revolution im Zahlungsverkehr – Geschäftsmodelle, Prozesse und Daten” (the first professional book on Digital Payments) with ECB etc, ISBN 978-3-95647-073-8, Sept 2016, pp57-82
Editors Prof. Moormann et al, Process Lab Frankfurt School of Finance and Management.
Launched/Presented as honorary visitor with Carl-Ludwig Thiele, Member of the Board of Deutsche Bundesbank at Digital Payments 2016 – Revolution im Zahlungsverkehr Conference, Frankfurt

“Blockchain technology for payments: a real game changer or a short-lived illusion?”
featuring M. Salmony, ING Head of Transaction Business, Spanish National Central Bank, BCG etc published in the March 2016 Newsletter of the European Payments Council EPC
cited by Prof. Krüger in “The spread of branch banking and the demand for cash in post-war Germany”, “Research on Money in the Economy” (ROME), ISSN 1865-7052, October 2016
cited Salmony as “The Victor Meldrew of Blockchain”
and in Cash & Treasury Management

“Blockchain – not for payments ?” in LinkedIn with 500+ views in first week and article about my text, and republished by Payments International, and Invited by The Telegraph’s Director of Programming for a filmed thought leadership interview on “The Digital Transformation”
Cited extensively (and wrongly) on “PSD2: The Ayers Rock of payments” in Banking Technology December/January 2016
Republished by FinTech Futures, January 2018 and InsurTech Rising 2018

“Blockchain – not for payments?”
in BIT Banking and Information Technology Band 17, Heft 2, Juli 2016 pp6-8
cited in “The Impact of Blockchain Technology on Business Models in the Payments Industry” by F. Holotiuk, F. Pisani and Prof. J. Moormann, as part of research into Blockchain Technology in Payment and presented at international conference for Wirtschaftsinformatik St Gallen
and cited in ORGANIZATIONAL ADOPTION OF DIGITAL INNOVATION: THE CASE OF BLOCKCHAIN TECHNOLOGY by F. Holotiuk, F. Pisani and Prof. J. Moormann at Twenty-Sixth European Conference on Information Systems (ECIS2018), Portsmouth, UK

“Opening up may be good for you: making PSD II access to accounts work in practice”
in Banking Technology 16 Sept 2016 with 14.500 readers and 80.000 unique monthly visitors, SIBOS news racks all week, equensWorldline news, Payments International blog, tweeted

Opening Up may be Good for You
in “Banking International” and “Payments, Cards and Mobile” and “The Payers” with Anuschka Diderich, Nov 2016

“Making PSD2 access to accounts work in practice”
equensWorldline blog, Dec 2016


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“UK Treasury issues call for evidence on banking APIs”
Title story in E-Finance & Payments Law & Policy, February 2015, volume 9 issue 2

“Setting up pan-European mobile P2P payment solutions”
in E-Finance & Payments Law & Policy, May 2015, vol 9 issue 5, pp4-6

“Access to Accounts – why banks should embrace an open future”
in Finextra Research Survey “PSD2 and XS2A – Regulation or Opportunity?” published at EBAday, Amsterdam, May 2015

“Final compromise text of PSD2 fails to provide complete clarity”
cover page of E-Finance & Payments Law & Policy, June 2015, vol 9 issue 6

“Pan-European Peer-to-Peer Payment by Mobile Phone
– including considerations on technical and commercial implementation options”

BIT ibi Research, University of Regensburg, 2/2105, pp33-37
cited in Springer publication “Mobile Payments: The Second Wave”, republished in Equens public and intranet web site

“Pan-European Peer-to-Peer Payment by Mobile Phone”
on Mobey Forum, the global industry association for thought leaders in banks and other financial institutions towards the future of mobile financial services.

“Paying the babysitter directly with mobile P2P-technology should be easy and safe” on Equens blog and Paying the babysitter directly with mobile P2P-technology should be easy and safe.#Equens blog by @salmony ^MW— Equens (@Equens) August 27, 2015

“PSD2 will change Payments in Europe”
Equens, Nets and VocaLink build coalition-of-the willing and publish White Paper to bring topic forward
on Equens blog

“Why not shape the PSD2 disruption yourself?”
on Equens blog and tweet


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“Open Access Banking – The Threat from Non-Banks”
Cover story “Open Access Banks – surviving the tech challenge”
of The Banker magazine, Financial Times, pp16-21, August 2014, tweet,tweettweet, …

M. Salmony “Access to accounts: Why banks should embrace an open future” in JPSS Journal of Payments Strategy & Systems, vol. 8 no. 2 pp 157-171 May 2014, tweeted about
Cited by EFMA, the global organisation of 3,300 retail financial services companies from over 130 countries
Cited in Thesis “An Exploration with Technology Acceptance Modelling into how PSD2 Could Improve User Interactions in Personal Finance”, University of Bath 2017
Cited in Thesis “Data monetization: Utilizing data as an asset to generate new revenues for firms”, Aalto University, School of Science, Espoo, Finland 2017
Cited in “AN ADOPTION OF FINTECH SERVICE IN MALAYSIA”, South East Asia Journal of Contemporary Business, Economics and Law, Vol. 18, Issue 5(February) ISSN 2289-1560, 2019
Cited in “طراحی الگوی مدیریت ارتباط نات ت”, (A Model for relationship management with fintech and financial startups in banking industry) by F Najafi, M Irandoost, H Soltanpanah, A Sheikhahmadi, in Journal of Business strategies, 2019
Cited in “Situation and Trends in Fintech Industry with a Special Focus on Mobile Payments” by Christal Yap, Hochschule Furtwangen, International Business Management, 2019
Cited in Journal of Islamic Economics, Finance and Banking under “Financial Technology Regulation in Malaysia and Indonesia: A Comparative Study” by Aulia Arifatu Diniyya, Mahdiah Aulia, Rofiul Wahyudi, 2020
Cited in Proceeding on International Conference of Science Management Art Research Technology (IC-SMART), Volume 1 Number 1 (2020): 101-116, “Constituents Driving Interest in Using E-Wallets in Generation Z” by Sekolah Tinggi Ilmu Ekomomi Sultan Agung, Indonesia
Cited by SEGi University and UniKL Business School Universiti Kuala Lumpur  in Academy of Entrepreneurship Journal, Vol 27, Sepcial Isssue 5, 2021 “FINTECH ADOPTION AMONG MILLENNIALS IN SELANGOR”
Cited in “How FinTech changed Banking sector in Latvia”, University of Latvia, 2022

Preview published as Editorial “The Concept of an Open Standard Interface for Controlled Access to Payment Services (CAPS)” in EPC Newsletter Issue 21 Jan 2014, cited by Springer publication “Transforming Payment Systems in Europe”, cited by Transactives – tweeted about byEPCAInnopay and others

Published in e-Finance & Payments Law & Policy under “Access to accounts: benefits for banks of an open future”, vol 8 issue 5 pp12-14 May 2014 and online with slightly improved/updated content

also published in German book under “Zugriff auf Bankkonten durch Dritte – Chancen für Banken durch Öffnung”
Trends in Zahlungsverkehr II, pp221-244, with Bundesbank, EBA, Bearing Point, ATK, Hrsg Egner, Dittrich, Bank-Verlag 2015

also published under “Why Banks should embrace an open future” in
EQ Magazine, pp28-29, 2014

also published under “Controlled Access to Payment Services” in Equens’ European Blog, August 2014 and tweeted about


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Article by Alessandro Baroni on mobile financial services: “Il mobile payment una revoluzione nei systemi di pagamento”/“Alla scoperta dei mobile payments per le istitutzioni finanziarie”)
in Italian version of world-wide bestseller “Re-inventing Financial Services” by Roger Peverelli “Reinventare i servizi finanziari”, May 2013

“Payments versus the automotive Industry”
in EQ Magazine June 2013, p 15 republished as “Why should we feel inferior to the car industry?” with a response by Prof. Penzel (ibi research) in Banking and Information Technology BIT October 2013 and republished by Equens

Gastbeitrag “Biometrie: Ich bezahle mit mir selbst”
Autoren: Steinbach (CEO) und Salmony
In Technologieseite “Finanzen und Technik” der Börsenzeitung, 31.8.2013


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M. Salmony “Unleashing the Creativity of Clients – Innovation Process and Sounding Board”
and “The Bumpy Road to Mobile”
in Equens’ EQ Magazine July 2012
referenced heavily in Introduction/Editorial and CEOs Article
Reprinted in gtnews 7 Aug 2012 together with CEOs article under “How to Make Payment Pay” which came in the top 10 list of most read articles and was also the highest rated article in gtnews

M. Salmony “Why is the use of cash persisting? Critical success factors for overcoming vested interests” originally published in JPSS (see 2011)
Reprinted in gtnews 31 May 2012 with this CV and referenced in blog


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M. Salmony & Bo Harald, Chairman European Commission Expert Group on eInvoicing “E-Invoicing in Europe: Now and the future” in Journal of Payments Strategy & Systems, Vol. 4 No. 4 Dec 2010 pp 371-380 edited by IBM, McKinsey, Universities and (international and European (Central) Banks) etc. for an audience of over 1,500 senior industry professionals in 67 countries from financial institutions, as well as central banks, financial regulators, service providers, consultants and corporate treasurers.
Cited in Master Thesis by Meng Tao, Dept of Business Technology, Aalto University, School of Economics, 2012
Cited by Hemandez-Ortega et al in Information Systems and e-Business 2012
Cited by Veselá at al in Procedia Economics and Finance 2014
Cited by Veselá, Radiměřský & Toulová, Faculty of Business and Economics, Mendel University in Brno, Czech Republic in “Aspects of Electronic Document Sharing” ISSN 2045-810X, 2015
Cited in “Aspects of Electronic Document Sharing” of International Journal of Sales Retail and Marketing Vol 4 No 5, Poland, 2015
Cited in “Onboarding customer companies to electronic invoicing platform–developing a marketing and a partnering strategy” in Journal of Information Technology Teaching Cases, Springer Verlag, 2017
Cited by Lucie Veselá in “FACTORS AFFECTING THE ADOPTION OF ELECTRONIC DATA INTERCHANGE”, Department of Economics, Faculty of Business and Economics, Mendel University in Brno, Zemědělská 1, 613 00 Brno, Czech Republic
Cited in “THE INFLUENCE OF ELECTRONIC INVOICE ON TAX COLLECTION AND TAX REFORM IN CHINA” by Zhang Bin and Wang Shuhua, National Academy of Economic Strategy, Beijing, China in Russian “Journal of Tax Reform”, 2017. T. 3, No 3. С. 158–169 ISSN 2412-8872
Cited by Benjamin Pessi in “THE IMPACT OF IMPLEMENTATION OF THE ELECTRONIC PURCHASE INVOICE SYSTEM ON A COMPANY” in Bachelor’s Thesis at TALLINN UNIVERSITY OF TECHNOLOGY, School of Business and Governance, Department of Business Administration, 2017
Cited by Liu and Xia, School of Management, Wuhan University of Technology, Wuhan, China under “Research on the Reform of Financial Reimbursement Process Brought by Electronic Invoice” in “Advances in Economics, Business and Management Research, volume 71” 2018
Cited by Olaleye and Sanusi under “The Need for Green Companies in Nigeria: A Study of Electronic Invoicing” in “The African Journal of Information Systems”, Vol 11, Issue 1, 2019

M. Salmony & Bo Harald: “Elektronische Rechnungsabwicklung in Europa: Gegenwart & Zukunft” in: 2. Überarbeitete und Erweiterte Auflage von “Elektronische Rechnungsabwicklung – einfach, effizient, sicher. Teil I: Rahmenbedingungen und MarktüberblickEinführung” (ISBN 978-3-940416-21-6) S. 14-20 Herausgegeben von ibi Research an der Universität Regensburg in Kooperation mit dem Netzwerk Elektronischer Geschäftsverkehr. Gefördert durch das Deutsche Bundesministerium für Wirtschaft und Technologie

M. Salmony & Siebrand van der Ploeg “Cash – and how to get rid of it. Legacy par excellence” Quote on p 19, article on pp 20-21, In Equens’ EQ Magazine 2011, May 2011

M. Salmony & M. Krueger “Cash: in quest of an effective alternative to a ‘hidden foe’” published in Russian language in PLUS (Payments. Systems Cards.) Journal 5 (169), June 2011

M. Salmony “Why is the use of cash persisting? Critical success factors for overcoming vested interests” in Journal of Payments Strategy & Systems, Vol. 5 No. 3 Sept 2011 pp 246-272
Reprinted in gtnews (see 2012)
Cited in research report on “Rural Women Traders & Mobile Money Systems: Northern Ghana Women’s Cognitive Understanding & Perceptions” on Poverty Reduction in Ghana 2014
Cited in Malaysian research report “Determinants of the demand for banknotes in Malaysia”, of Othman Yeop Abdullah Graduate School of Business, Universiti Utara Malaysia, 2015
Cited in “Apple – Pay, Towards the Acceptance of German Customers” inAsian Social Science, Published by Canadian Center of Science and Education, 2015


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“Elektronische Rechnungsabwicklung in Europa: Gegenwart & Zukunft” Michael Salmony & Bo Harald, Chairman European Commission Expert Group on eInvoicing BIT Band 10, Heft 3, Dez 2009 “Banking and Technology” des ibi Research an der Uni Regensburg und FIT European Research Centres for Finance and IT also in: “Elektronische Rechnungsabwicklung – einfach, effizient, sicher. Teil I: Rahmenbedingungen und MarktüberblickEinführung” (ISBN 978-3-940416-21-6) S. 14-20 Herausgegeben von ibi Research an der Universität Regensburg in Kooperation mit dem Netzwerk Elektronischer Geschäftsverkehr. Gefördert durch das Deutsche Bundesministerium für Wirtschaft und Technologie also as: White Paper Equens 2010

“Cash is King”
 (see 2009) translated in Italian Employee Magazine

Expert Interview
 by LBBW on Mobile NFC Payments

“E-SEPA: Online Banking e-Payments – the search for interoperability, e-Mandates – just beginning, e-Invoicing – highest return” 
 in Equens’ EQ Magazine 2010 (pp30-32)

“Dial ‘S’ for SEPA”
 quoted comment on Mobile Payments and SEPA in FX&MM magazine, 16.8.2010
“Anpassen oder Aussterben” (D edition) “Aanpassen of Uitsterven” (NL edition) in Equens Express Vol 1 No 2 2010

see older publications, my patent, my thesis, diplomas I have supervised, where I have been cited etc.