6  BIS Review 144/2010  References Committee for the Study of Economic and Monetary Union (1989), Report on the economic and monetary union in the European Community, Brussels. Cottarelli, C., L. Forni, J. Gottschalk and P. Mauro (2010), “Default in today’s advanced economies: Unnecessary, undesirable, and unlikely”, IMF Staff Position Note, 10/12, September. Delpla, J. and J.
•  The fieldwork interviews gave some interesting feedback, with some of the key issues that emerged indicating instances of fraud. Mobile money service providers reported the highest instances of fraud at 37 percent as compared to 10 percent of bank agents.