@misc{misc, title  = {{E-formalisation in Europe}},

 publisher = {{Elsevier BV}},

 url = {{}},

 year = {{2021}},

 month = {{11}},

 author = {{Williams C}},

 doi = {{10.2139/ssrn.3944814}},

 note = {{Accessed on 2025/03/13}}}