@book{6996,
	author = {‏KPMG International},
	title = {Pulse of Fintech H2'21},
	publisher = {KPMG,},
	year = {January 2022},
	url = {https://assets.kpmg/content/dam/kpmg/xx/pdf/2022/02/pulse-of-fintech-h2-21.pdf},
}