7Allen N. Berger. Rebecca S. Demsetz, Philip E. Stranbam, "The consolidation of the financial services industry: Causes, consequences, and implication for the future" , Journal of Banking and Finance 23 135 - 194. 1999.
8Diana Hnaeoek, David B. Humphery, James A. Wilcox "Cost reduction in electronic payments: The role of consolidaton, economies of scale, and technical eharlge" , Journal of Banking and Finance 23 391 -421, 1999.
9Jith Jayaretne, John Wolken, "How important are small banks to small business lending? New evidence from a survey of small firms" , Journal of Banking and Finance 23, 427 - 458, 1999.
10Robert Deyoung, Lawrence G. Goldberg, Lawrence J. White, "Youth, adolescence, and maturity of banks: Credit availability to small business in an era of banking consolidation" , Journal of Banking and Finance 23 463 -492, 1999.