1. ABA Banking Journal. (2011). ABA survey: Popularity of online banking explodes. Retrieved May 10, 2012 from http://www.ababj.com/tech-topics-plus/aba-survey-popularity-of-online-banking-explodes-2293.html
2. Adams, J. (2012). The shrinking bank branch. American Banker, April 7.
3. Allen, J., Clark, R., & Houde, J.-F. (2008). Market structure and diffusion of e-commerce: Evidence from the retail banking industry (Working Paper: 2008-32). Bank of Canada. Retrieved May 14, 2012 from http://www.econstor.eu/bitstream/10419/53869/1/584969295.pdf
4. Discrete space autoregressive models;L.Anselin;Environmental modeling with GIS,1993
5. Consolidation and bank branching patterns