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              <text>Convergence of retail banking interest rates to households in euro area: Time-varying measurement and determinants /</text>
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              <text>International Economics and Economic Policy, Vol.17, Issue 1, pp.25-65</text>
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              <text>Priyanshi Gupta and Sanjay Sehgal</text>
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              <text>&lt;a href="https://link.springer.com/article/10.1007/s10368-019-00452-3" target="_blank" title="Convergence of retail banking interest rates to households in euro area: Time-varying measurement and determinants" rel="noreferrer noopener"&gt;https://link.springer.com/article/10.1007/s10368-019-00452-3&lt;/a&gt;</text>
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