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Afandi, Elvin and Habibov, Nazim (2012): Social trust and use of banking services across households in 28 transitional countries.

Afandi, Elvin and Habibov, Nazim (2013): Pre-Crisis and Post-Crisis Trust in Banks: Lessons from Transitional Countries.

Afandi, Elvin and Kermani, Majid (2012): The Relationship between Trust and a Firm’s Access to Financing: Evidence from Transitional Countries.

Afandi, Elvin and Kermani, Majid (2013): What Determines Firms’ Innovation in Eastern Europe and Central Asia.