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Pricing Bank Loans and Deposits: Does Concentration Matter ...

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7. Hays, Fred H. <strong>and</strong> DeLurgio, Stephen A. (2007) Market <strong>Concentration</strong> <strong>and</strong> <strong>Bank</strong><strong>Pricing</strong>: A Paradigm Shift?, Proceedings of the Academy of Business Disciplines.8. Klein, Michael A. (1971) A Theory of the <strong>Bank</strong>ing Firm, Journal of Money,Credit <strong>and</strong> <strong>Bank</strong>ing, 3 (2), 205-218.9. Lenhart, Am<strong>and</strong>a et. al. (2003) The Ever-Shifting Internet Population, PewInternet & Life Project, (http://www.pewinternet.org).10. Moore, Robert R. (1998) <strong>Concentration</strong>, Technology, <strong>and</strong> Market Power in<strong>Bank</strong>ing: Is Distance Dead? Financial Industry Studies, Federal Reserve <strong>Bank</strong> ofDallas11. Neely, Michelle C. & Wheelock, David C. (1997) Why <strong>Does</strong> <strong>Bank</strong> PerformanceDiffer Across States? Review, Federal Reserve <strong>Bank</strong> of St. Louis.12. Neuberger, Doris (1997) Structure, Conduct <strong>and</strong> Performance in <strong>Bank</strong>ingMarkets, Working Paper No. 12, Universität Rostock (http://www.wiwi.unirostock.de/˜geld/RePEc/pdf/wp12thuenen.pdf)13. The Pew Foundation (May, 2008) “InternetTrends”,(http://www.pewinternet.org/trends/Internet_Activities_7.22.08.htm)14. Radecki, Lawrence J. (1998) The Exp<strong>and</strong>ing Geographic Reach of Retail <strong>Bank</strong>ingMarkets, Economic Policy Review, Federal Reserve <strong>Bank</strong> of New York.15. Sampler, Jeffrey L. (1998) Redefining Industry Structure in the Information Age,Strategic Management Journal, (19) (4), 343-355.

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