@misc{Harasim_Janina_Regulations,
 author={Harasim, Janina and Klimontowicz, Monika},
 howpublished={online},
 publisher={Publishing House of the University of Economics in Katowice},
 language={eng},
 title={Regulations as a tool to increase consumer protectionon the European retail payment market},
 type={czasopismo},
 keywords={ochrona klienta, rynek finansowy, rynek płatności detalicznych, ryzyko finansowe},
}