1Banerjee, A.V., Besley, T. and Guinnane, T.W., 1994, 'The neighbor' s keeper: The design of a credit cooperative with theory and a test', Quarterly Journal of Economics, Vol.109.
2Holland, C.P. & Westwood, J.B. 2001, 'Product-market and technology strategies in banking', Communications of the ACM, vol. 44(6).