@misc{publication-8633,
	address={London},
	author={Ongena, Steven and et al},
	editor={Ongena, Steven and Beck, Thorsten and De Haas, Ralph},
	note={http://www.voxeu.org/content/understanding-banks-emerging-markets-observing-asking-or-experimenting},
	publisher={VoxEU, CEPR Policy Portal},
	title={Understanding banks in emerging markets},
	year=2013,
}