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- Heffernan, Shelagh A, 1992. "A Computation of Interest Equivalences for Nonprice Characteristics of Bank Products," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 24(2), pages 162-72, May.
- Silber, William L, 1983. "The Process of Financial Innovation," American Economic Review, American Economic Association, vol. 73(2), pages 89-95, May.
- Jean Tirole, 1988. "The Theory of Industrial Organization," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262200716.
- Fershtman, C. & Gandal, N., 1991.
37-91, Tel Aviv.
- Steven C. Salop, 1979. "Monopolistic Competition with Outside Goods," Bell Journal of Economics, The RAND Corporation, vol. 10(1), pages 141-156, Spring.
- Santomero, Anthony M., 1979. "The role of transaction costs and rates of return on the demand deposit decision," Journal of Monetary Economics, Elsevier, vol. 5(3), pages 343-364, July.
- Matutes, Carmen & Padilla, A. Jorge, 1994. "Shared ATM networks and banking competition," European Economic Review, Elsevier, vol. 38(5), pages 1113-1138, May.
- Barro, Robert J & Santomero, Anthony J, 1972. "Household Money Holdings and The Demand Deposit Rate," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 4(2), pages 397-413, May.
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