1. Markets with Consumer Switching Costs
2. White, L. (1996), ‘Competition versus harmonization: an overview of international regulation of financial services’, in C. Barfield (ed.), International financial markets: harmonization versus competition, Washington, DC: American Enterprise Institute, pp. 5–48
3. De Bondt, Gabe (2002), ‘Retail bank interest pass-through: new evidence at the euro area level’, ECB Working Paper No. 136 (April), Frankfurt am Main: European Central Bank
4. Cost dispersion and the measurement of economies in banking;Humphrey;Federal Reserve Bank of Richmond Economics Review,1987
5. ECB [European Central Bank] (1999b), ‘Possible effects of EMU on the EU banking systems in the medium to long term’ (February), Frankfurt am Main: European Central Bank