Most of my policy-oriented writings (some of which are peer-reviewed) are in Finnish. Writings in English include:
"Competition and Regulation in the Finnish ATM Industry", BoF Economics Review 8/2021, with Tuomas Markkula.
"Economics of the Finnish Innovation Policy". Report for the Finland's Economic Policy Council, 2018, with Otto Toivanen.
“Economics of Innovation Policy”. In T. M. Andersen and J. Roine (eds) Nordic Economic Policy Review: Whither the Nordic Welfare Model? pp. 65-90. Copenhagen: Nordic Council of Ministers, 2016, with Otto Toivanen.
"Efficient Retail Payments: An Untapped Source for Reviving Growth in Europe", VoxEU Column, 24 January, 2014, with Iftekhar Hasan.
"Applying for R&D subsidies: Evidence from Finland", In O. Toivanen (ed.) R&D Subsidy Applications: E-book on i) Firm Application Behavior; ii) R&D Agency Decision Making; iii) Structural Modeling, pp. 4-13. SIMPATIC, August 2013, with Otto Toivanen.
"R&D subsidy rate decisions: Evidence from Finland", In O. Toivanen (ed.) R&D Subsidy Applications: E-book on i) Firm Application Behavior; ii) R&D Agency Decision Making; iii) Structural Modeling, pp. 81-95. SIMPATIC, August 2013, with Otto Toivanen.
"A structural model of the R&D subsidy process", In O. Toivanen (ed.) R&D Subsidy Applications: E-book on i) Firm Application Behavior; ii) R&D Agency Decision Making; iii) Structural Modeling, pp. 164-196. SIMPATIC, August 2013, with Tanja Tanayama and Otto Toivanen.
"Who Owns Mobile Money?" PYMTS: Business Wire, 15 October, 2009, with Ari Hyytinen.
"Intellectual Property Rights and Standard Setting in Financial Services: The Case of the Single Euro Payments Area" In L. Anderloni, D.T. Llewellyn, and R. H. Schmidt (eds.) Financial Innovation in Retail and Corporate Banking, pp. 170-198. Edward Elgar Publishing: Cheltenham (2009), with Bob Hunt and Samuli Simojoki. Peer-reviewed and award-winning.
A previous version published as Federal Reserve Bank of Philadadelphia Working Papers 07-20.
"Supervision of the European Banking Market? Comment". In H. Berger and T. Mouton (eds) Designing the New European Union, pp. 223-228. Elsevier: Oxford (2007).
"Agency Problems in the Design of Bank Regulatory and Supervisory Structures: The Case of EMU. Comment". In D.G. Mayes and G.E. Wood (eds.) The Structure of Financial Regulation, pp. 260-263. Routledge: London (2007) .
“Investor Protection and Financial Development in Finland”. In A. Hyytinen and M. Pajarinen (eds.) Financial Systems and Firm Performance: Theoretical and Empirical Perspectives, pp. 65-96. Taloustieto Ltd: Helsinki (2003), with A. Hyytinen and I. Kuosa.