Development of retail payment instruments in transition countries : the case of Baltic countriesHartšenko, JelenaProceedings of the COPE 2003 : "Global Business: Economic, Political, Social, and Cultural Issues" : Congress of Political Economists (COPE) International Conference : the Fourteenth Annual International Conference : July 12-19, 2003 : Mexico City, Mexico. Volume 22004 / p. 246-259 : ill