The webapp provides for each item the link on ECB's website.
Speeches for : Gertrude Tumpel-Gugerell where "habits" appeared
2011-05-12 : Transformation of the banking business and its impact on retail payments: governance, efficiency and integration2008-01-22 : The Single Euro Payments Area in a global context
2005-05-06 : Interchange in a changing market: Observations from the euro area perspective
2005-04-25 : The need for regulatory involvement in the evolution of payment systems