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Ahlgren, K., Arnason, T., Bandhold, H., Blomqvist, U., Erik Skouby, K., Forsström, P., Gustafsson, A., Myhre, I., & Nordling, T. (2010). The IT-based Services of the Future : Report by the Nordic Council of Ministers IT-policy Expert Group. USA: Nordic Council of Ministers. Retrieved Oct 16, 2019, from https://nordic.elibrary.imf.org/view/IMF931/21882-9789289320818/21882-9789289320818/21882-9789289320818.xml