Details about Santiago Carbo Valverde

E-mail:
Homepage:	http://www.santiagocarbo.com
Postal address:	Santiago Carbo-Valverde Departamento de Análisis Económico Facultad de Economía Av. dels Tarongers, s/n 46022 Valencia Spain
Workplace:	Instituto Valenciano de Investigaciones Económicas (IVIE) (Valencian Institute of Economic Research), (more information at EDIRC) Fundación de las Cajas de Ahorros (FUNCAS) (Foundation of the Savings Banks), (more information at EDIRC) Departament d'Anàlisi Económica (Department of Economic Analysis), Facultad de Economía (Faculty of Economics), Universidad de València (University of Valencia), (more information at EDIRC)

Access statistics for papers by Santiago Carbo Valverde.

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Working Papers

2023

1. Financial inclusion in South Africa - Influencing factors and public policy
   Working Papers of Business and Economics School. Anahuac University (Mexico).
2. Geographical and Cultural Proximity in Retail Banking
   Staff Working Papers, Bank of Canada

2020

3. All about the state-Fifty years of innovative technology to deliver an inclusive financial sector
   MPRA Paper, University Library of Munich, Germany
4. Informe Final del Grupo de Trabajo Mixto Covid-19: POR UN PACTO POLÍTICO Y SOCIAL EN TORNO A UNA ESTRATEGIA DE REACTIVACIÓN Y CRECIMIENTO INCLUSIVOS
   Policy Papers, FEDEA
5. Informe Final del Grupo de Trabajo Mixto Covid-19: POR UN PACTO POLÍTICO Y SOCIAL EN TORNO A UNA ESTRATEGIA DE REACTIVACIÓN Y CRECIMIENTO INCLUSIVOS (versión abreviada)
   Policy Papers, FEDEA
6. Informes del Grupo de Trabajo Mixto Covid-19. The economic consequences of Covid in Spain and how to deal with them
   Policy Papers, FEDEA
7. Nowhere Else to Go: The Determinants of Bank-Firm Relationship Discontinuations after Bank Mergers
   CRC TR 224 Discussion Paper Series, University of Bonn and University of Mannheim, Germany
   Also in CRC TR 224 Discussion Paper Series, University of Bonn and University of Mannheim, Germany (2018)
   See also Journal Article Nowhere else to go: Determinants of bank–firm relationship discontinuations after bank mergers, Finance Research Letters, Elsevier (2023) (2023)
8. Por la Recuperación Financiera de las Empresas tras el COVID-19
   Policy Papers, FEDEA

2019

9. The Consumer Credit Act 1974 and the emergence of the APR as a consumer protection policy tool
   Working Papers, Bangor Business School, Prifysgol Bangor University (Cymru / Wales)

2015

10. Escalating crisis in the eurozone: The case for conditional debt relief for Greece (Statement No. 40)
    SAFE Policy Letters, Leibniz Institute for Financial Research SAFE

2014

11. Financial regulation in Spain
    Working papers, Financialisation, Economy, Society & Sustainable Development (FESSUD) Project
12. Financial reputation, market interventions and debt issuance by banks: a truncated two-part model approach
    Working Paper Series, European Central Bank View citations (5)

2012

13. Competing Technologies for Payments: Automated Teller Machines (ATMs), Point of Sale (POS) Terminals and the Demand for Currency
    Working Papers, Fundacion BBVA / BBVA Foundation
14. Lending relationships and credit rationing: the impact of securitization
    CEPR Discussion Papers, C.E.P.R. Discussion Papers View citations (3)
    Also in Other publications TiSEM, Tilburg University, School of Economics and Management (2011) View citations (5)
    Discussion Paper, Tilburg University, Center for Economic Research (2011) View citations (7)
    Other publications TiSEM, Tilburg University, School of Economics and Management (2011) View citations (5)

2011

15. Are covered bonds a substitute for mortgage-backed securities?
    Working Paper Series, Federal Reserve Bank of Chicago View citations (3)
    See also Journal Article Are covered bonds a substitute for mortgage-backed securities?, Journal of Economic Policy Reform, Taylor and Francis Journals (2017) (2017)
16. Safety-Net Benefits Conferred on Difficult-to-Fail-and-Unwind Banks in the US and EU Before and During the Great Recession
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (5)
    Also in Proceedings, Federal Reserve Bank of Chicago (2011)
    See also Journal Article Safety-net benefits conferred on difficult-to-fail-and-unwind banks in the US and EU before and during the great recession, Journal of Banking & Finance, Elsevier (2013) View citations (8) (2013)
17. Securitization, bank lending and credit quality: the case of Spain
    Working Paper Series, European Central Bank View citations (4)

2010

18. A revenue-based frontier measure of banking competition
    Working Papers, Federal Reserve Bank of Philadelphia
    See also Chapter A Revenue-Based Frontier Measure of Banking Competition, Palgrave Macmillan Studies in Banking and Financial Institutions, Palgrave Macmillan (2011) (2011)

2009

19. Estimating the intensity of price and non-price competition in banking
    MPRA Paper, University Library of Munich, Germany View citations (8)
20. Evidence of Regulatory Arbitrage in Cross-Border Mergers of Banks in the EU
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (7)
21. How Effective Are Rewards Programs in Promoting Payment Card Usage? Empirical Evidence
    Working Papers, Fundacion BBVA / BBVA Foundation View citations (3)
    Also in Working Paper Series, European Central Bank (2009) View citations (4)
    See also Journal Article How effective are rewards programs in promoting payment card usage? Empirical evidence, Journal of Banking & Finance, Elsevier (2011) View citations (5) (2011)
22. Regulating two-sided markets: an empirical investigation
    Working Paper Series, Federal Reserve Bank of Chicago View citations (3)
    Also in Working Paper Series, European Central Bank (2009) View citations (7)

2008

23. Bank lending, financing constraints and SME investment
    Working Paper Series, Federal Reserve Bank of Chicago View citations (2)
24. Bank lending, financing constraints, SME investment
    Proceedings, Federal Reserve Bank of Chicago View citations (3)
25. Evidence of Differences in the Effectiveness of Safety-Net Management in European Union Countries
    NBER Working Papers, National Bureau of Economic Research, Inc View citations (20)
    See also Journal Article Evidence of Differences in the Effectiveness of Safety-Net Management in European Union Countries, Journal of Financial Services Research, Springer (2008) View citations (21) (2008)

2007

26. MARKET POWER AND WILLINGNESS TO PAY IN NETWORK INDUSTRIES: EVIDENCE FROM PAYMENT CARDS WITHIN MULTIPRODUCT BANKING
    FEG Working Paper Series, Faculty of Economics and Business (University of Granada)
27. The Economics of Credit Cards, Debit Cards and ATMs: A Survey and Some New Evidence
    Working Papers, Fundacion BBVA / BBVA Foundation View citations (10)
    See also Journal Article The economics of credit cards, debit cards and ATMs: A survey and some new evidence, Journal of Banking & Finance, Elsevier (2008) View citations (39) (2008)

2006

28. Bank market power and SME financing constraints
    Proceedings, Federal Reserve Bank of Chicago View citations (6)
    See also Journal Article Bank Market Power and SME Financing Constraints, Review of Finance, European Finance Association (2009) View citations (137) (2009)
29. Cross-Country Comparisons of Competition and Pricing Power in European Banking
    MPRA Paper, University Library of Munich, Germany View citations (10)
    Also in Proceedings, Federal Reserve Bank of Chicago (2006) View citations (4)
    Working Papers, Fundacion BBVA / BBVA Foundation (2006) View citations (17)
    See also Journal Article Cross-country comparisons of competition and pricing power in European banking, Journal of International Money and Finance, Elsevier (2009) View citations (233) (2009)

2005

30. Do non-financial firms react to monetary policy actions as banks do?
    ThE Papers, Department of Economic Theory and Economic History of the University of Granada.
31. Estimating the intensity of price and non-price competition in banking: an application to the Spanish case
    Working Papers, Fundacion BBVA / BBVA Foundation View citations (6)
    Also in MPRA Paper, University Library of Munich, Germany (2005) View citations (7)
32. New evidence of scope economies among lending,deposit-taking, loan commitments and mutual fund activities
    ThE Papers, Department of Economic Theory and Economic History of the University of Granada. View citations (2)
    See also Journal Article New evidence of scope economies among lending, deposit-taking, loan commitments and mutual fund activities, Journal of Economics and Business, Elsevier (2005) View citations (8) (2005)
33. The determinants of bank margins revisited: A note on the effects of diversification
    ThE Papers, Department of Economic Theory and Economic History of the University of Granada.

2004

34. Operaciones fuera de balance y economías de escala en el sector bancario español
    Economic Working Papers at Centro de Estudios Andaluces, Centro de Estudios Andaluces
    See also Journal Article Operaciones fuera de balance y economías de escala en el sector bancario español, Investigaciones Economicas, Fundación SEPI (2005) (2005)
35. Scope Economies and Competition Beyond the Balance Sheet: a ‘broad banking’ Experience
    Economic Working Papers at Centro de Estudios Andaluces, Centro de Estudios Andaluces
36. The finance-growth nexus: a regional perspective
    Economic Working Papers at Centro de Estudios Andaluces, Centro de Estudios Andaluces View citations (2)

1993

37. BANK REGULATION AND CAPITAL AUGMENTATIONS IN SPAIN
    Working Papers. Serie EC, Instituto Valenciano de Investigaciones Económicas, S.A. (Ivie) View citations (1)

Journal Articles

2023

1. Mobility restrictions and payment choices: The case of the Covid-19 pandemic
   Journal of Behavioral and Experimental Finance, 2023, 40, (C)
2. Nowhere else to go: Determinants of bank–firm relationship discontinuations after bank mergers
   Finance Research Letters, 2023, 54, (C)
   See also Working Paper Nowhere Else to Go: The Determinants of Bank-Firm Relationship Discontinuations after Bank Mergers, CRC TR 224 Discussion Paper Series (2020) (2020)

2022

3. Entrepreneurial, institutional and financial strategies for FinTech profitability
   Financial Innovation, 2022, 8, (1), 1-36 View citations (3)

2021

4. EDITORIAL NOTE
   Journal of Financial Management, Markets and Institutions (JFMMI), 2021, 09, (02), 1-3
5. EDITORIAL NOTE
   Journal of Financial Management, Markets and Institutions (JFMMI), 2021, 09, (01), 1-2
6. Non-pricing drivers of underwriters’ market shares in corporate bond markets
   International Review of Economics & Finance, 2021, 76, (C), 671-693
7. The effects of negative interest rates: a literature review and additional evidence on the performance of the European banking sector
   The European Journal of Finance, 2021, 27, (18), 1908-1938 View citations (4)
8. The impact of lending relationships on the choice and structure of bond underwriting syndicates
   Journal of International Financial Markets, Institutions and Money, 2021, 74, (C)
9. Underwriting bank bonds: Information sharing, certification and distribution networks
   Journal of Corporate Finance, 2021, 70, (C)

2020

10. A machine learning approach to the digitalization of bank customers: Evidence from random and causal forests
    PLOS ONE, 2020, 15, (10), 1-39 View citations (9)
11. Do bank bailouts have an impact on the underwriting business?
    Journal of Financial Stability, 2020, 49, (C) View citations (8)
12. EDITORIAL NOTE
    Journal of Financial Management, Markets and Institutions (JFMMI), 2020, 08, (01), 1-4
13. EDITORIAL NOTE
    Journal of Financial Management, Markets and Institutions (JFMMI), 2020, 08, (02), 1-2
14. FINANCIAL DIGITALIZATION: BANKS, FINTECH, BIGTECH, AND CONSUMERS
    Journal of Financial Management, Markets and Institutions (JFMMI), 2020, 08, (01), 1-13 View citations (3)
15. Taxonomy of the Spanish FinTech ecosystem and the drivers of FinTechs’ performance
    Financial Stability Review, 2020, (Spring) View citations (4)
    Also in Revista de Estabilidad Financiera, 2020, (Primavera) (2020) View citations (4)
16. The Effect of Banks' IT Investments on the Digitalization of their Customers
    Global Policy, 2020, 11, (S1), 9-17 View citations (3)
17. “When in Rome, do as Romans”. Similarities of banks performance drivers in CESEE
    Bank i Kredyt, 2020, 51, (5), 467-504 View citations (1)

2019

18. EDITORIAL NOTE
    Journal of Financial Management, Markets and Institutions (JFMMI), 2019, 07, (02), 1-3
19. EDITORIAL NOTE
    Journal of Financial Management, Markets and Institutions (JFMMI), 2019, 07, (01), 1-3

2018

20. DO BANKS GAME ON DYNAMIC PROVISIONING?
    Journal of Financial Management, Markets and Institutions (JFMMI), 2018, 06, (01), 1-22
21. Disentangling the Effects of Household Financial Constraints and Risk Profile on Mortgage Rates
    The Journal of Real Estate Finance and Economics, 2018, 56, (1), 76-100 View citations (2)
22. EDITORIAL
    Journal of Financial Management, Markets and Institutions (JFMMI), 2018, 06, (01), 1-3
23. EDITORIAL
    International Journal of Modern Physics C (IJMPC), 2018, 06, (01), 1-3
24. EDITORIAL NOTE
    Journal of Financial Management, Markets and Institutions (JFMMI), 2018, 06, (02), 1-3

2017

25. Are covered bonds a substitute for mortgage-backed securities?
    Journal of Economic Policy Reform, 2017, 20, (3), 238-253
    See also Working Paper Are covered bonds a substitute for mortgage-backed securities?, Working Paper Series (2011) View citations (3) (2011)
26. Do banks and industrial companies have equal access to reputable underwriters in debt markets?
    Journal of Corporate Finance, 2017, 45, (C), 176-202 View citations (6)
27. Editor's Notes
    Journal of Financial Management, Markets and Institutions, 2017, (1), 3-4
28. The Impact on Digitalization on Banking and Financial Stability
    Journal of Financial Management, Markets and Institutions, 2017, (1), 133-140 View citations (1)

2016

29. The Role of Interchange Fees in Two-Sided Markets: An Empirical Investigation on Payment Cards
    The Review of Economics and Statistics, 2016, 98, (2), 367-381 View citations (13)
30. Trade Credit, the Financial Crisis, and SME Access to Finance
    Journal of Money, Credit and Banking, 2016, 48, (1), 113-143 View citations (126)

2015

31. Regulatory response to the financial crisis in Europe: recent developments (2010-2013)
    Journal of Financial Economic Policy, 2015, 7, (1), 29-50 View citations (1)
    See also Chapter Regulatory Response to the Financial Crisis in Europe: Recent Developments (2010–2013), World Scientific Book Chapters, 2015, 167-218 (2015) View citations (1) (2015)
32. The impact of securitization on credit rationing: Empirical evidence
    Journal of Financial Stability, 2015, 20, (C), 36-50 View citations (16)

2014

33. ATM withdrawals, debit card transactions at the point of sale and the demand for currency
    SERIEs: Journal of the Spanish Economic Association, 2014, 5, (4), 399-417 View citations (3)
34. Trust in banks after the financial crisis
    Journal of Financial Perspectives, 2014, 2, (2), 187-195 View citations (1)

2013

35. Safety-net benefits conferred on difficult-to-fail-and-unwind banks in the US and EU before and during the great recession
    Journal of Banking & Finance, 2013, 37, (6), 1845-1859 View citations (8)
    See also Working Paper Safety-Net Benefits Conferred on Difficult-to-Fail-and-Unwind Banks in the US and EU Before and During the Great Recession, NBER Working Papers (2011) View citations (5) (2011)
36. Transformaciones en la estructura financiera: implicaciones para la financiación de la economía españolainterna
    EKONOMIAZ. Revista vasca de Economía, 2013, 84, (03), 92-109

2012

37. Feedback Loop Effects in Payment Card Markets: Empirical Evidence
    Review of Network Economics, 2012, 11, (2), 24 View citations (1)
38. Regulatory Arbitrage in Cross-Border Banking Mergers within the EU
    Journal of Money, Credit and Banking, 2012, 44, (8), 1609-1629 View citations (30)
    Also in Journal of Money, Credit and Banking, 2012, 44, (8), 1609-1629 (2012) View citations (4)
39. Securitization, risk-transferring and financial instability: The case of Spain
    Journal of International Money and Finance, 2012, 31, (1), 80-101 View citations (14)

2011

40. Exploiting old customers and attracting new ones: The case of bank deposit pricing
    European Economic Review, 2011, 55, (7), 903-915 View citations (28)
41. How effective are rewards programs in promoting payment card usage? Empirical evidence
    Journal of Banking & Finance, 2011, 35, (12), 3275-3291 View citations (5)
    See also Working Paper How Effective Are Rewards Programs in Promoting Payment Card Usage? Empirical Evidence, Working Papers (2009) View citations (3) (2009)

2010

42. DOES THE DEVELOPMENT OF NON‐CASH PAYMENTS AFFECT BANK LENDING?
    Manchester School, 2010, 78, (5), 412-436 View citations (1)
43. Spatial Cournot equilibrium: do branches matter?
    The Annals of Regional Science, 2010, 44, (2), 377-407
44. What is the role of public authorities in retail payment systems?
    Chicago Fed Letter, 2010, (Nov) View citations (2)

2009

45. Bank Market Power and SME Financing Constraints
    Review of Finance, 2009, 13, (2), 309-340 View citations (137)
    See also Working Paper Bank market power and SME financing constraints, Proceedings (2006) View citations (6) (2006)
46. Bank-lending channel and non-financial firms: evidence for Spain
    Spanish Economic Review, 2009, 11, (2), 125-140 View citations (1)
47. Cross-country comparisons of competition and pricing power in European banking
    Journal of International Money and Finance, 2009, 28, (1), 115-134 View citations (233)
    See also Working Paper Cross-Country Comparisons of Competition and Pricing Power in European Banking, MPRA Paper (2006) View citations (10) (2006)
48. Finance and Regional Development: A Survey for Hazardous Times
    SCIENZE REGIONALI, 2009, 8, (2), 5-18

2008

49. Evidence of Differences in the Effectiveness of Safety-Net Management in European Union Countries
    Journal of Financial Services Research, 2008, 34, (2), 151-176 View citations (21)
    See also Working Paper Evidence of Differences in the Effectiveness of Safety-Net Management in European Union Countries, NBER Working Papers (2008) View citations (20) (2008)
50. The economics of credit cards, debit cards and ATMs: A survey and some new evidence
    Journal of Banking & Finance, 2008, 32, (8), 1468-1483 View citations (39)
    See also Working Paper The Economics of Credit Cards, Debit Cards and ATMs: A Survey and Some New Evidence, Working Papers (2007) View citations (10) (2007)

2007

51. Do cross-country differences in bank efficiency support a policy of "national champions"?
    Journal of Banking & Finance, 2007, 31, (7), 2173-2188 View citations (24)
52. Examining the Relationships between Capital, Risk and Efficiency in European Banking
    European Financial Management, 2007, 13, (1), 49-70 View citations (286)
53. Financial Exclusion in Europe
    Public Money & Management, 2007, 27, (1), 21-27 View citations (17)
    See also Chapter Financial Exclusion in Europe, Palgrave Macmillan Studies in Banking and Financial Institutions, 2005, 98-111 (2005) View citations (4) (2005)
54. Financial Innovations in Banking: Impact on Regional Growth
    Regional Studies, 2007, 41, (3), 311-326 View citations (13)
55. Implications of Basel II for Different Bank Ownership Patterns in Europe
    Atlantic Economic Journal, 2007, 35, (4), 391-397
56. Opening the black box: Finding the source of cost inefficiency
    Journal of Productivity Analysis, 2007, 27, (3), 209-220 View citations (28)
57. The determinants of bank margins in European banking
    Journal of Banking & Finance, 2007, 31, (7), 2043-2063 View citations (146)

2005

58. COURNOT COMPETITION IN A TWO‐DIMENSIONAL CIRCULAR CITY
    Manchester School, 2005, 73, (1), 40-49 View citations (2)
59. New evidence of scope economies among lending, deposit-taking, loan commitments and mutual fund activities
    Journal of Economics and Business, 2005, 57, (3), 187-207 View citations (8)
    See also Working Paper New evidence of scope economies among lending,deposit-taking, loan commitments and mutual fund activities, ThE Papers (2005) View citations (2) (2005)
60. Operaciones fuera de balance y economías de escala en el sector bancario español
    Investigaciones Economicas, 2005, 29, (2), 389-430
    See also Working Paper Operaciones fuera de balance y economías de escala en el sector bancario español, Economic Working Papers at Centro de Estudios Andaluces (2004) (2004)

2004

61. La regulación de los órganos de gobierno de las cajas de ahorros: consideraciones electorales
    Hacienda Pública Española / Review of Public Economics, 2004, 171, (4), 33-55
62. Predicted and actual costs from individual bank mergers
    Journal of Economics and Business, 2004, 56, (2), 137-157 View citations (9)

2003

63. A note on technical change in banking: the case of European savings banks
    Applied Economics, 2003, 35, (6), 705-719 View citations (11)
64. Bank deregulation is better than mergers
    Journal of International Financial Markets, Institutions and Money, 2003, 13, (5), 429-449 View citations (20)
65. Deregulation, Bank Competition and Regional Growth
    Regional Studies, 2003, 37, (3), 227-237 View citations (51)

2002

66. Efficiency in Banking: Empirical Evidence from the Savings Banks Sector
    Manchester School, 2002, 70, (2), 204-228 View citations (43)

2000

67. CAR 2: the impact of CAR on bank capital augmentation in Spain
    Applied Financial Economics, 2000, 10, (5), 507-518 View citations (1)

Books

2022

1. Assessing Incentives to Increase Digital Payment Acceptance and Usage
   World Bank Publications - Books, The World Bank Group

2005

2. Financial Exclusion
   Palgrave Macmillan Studies in Banking and Financial Institutions, Palgrave Macmillan View citations (3)

Edited books

2023

1. New Challenges for the Banking Industry
   Palgrave Macmillan Studies in Banking and Financial Institutions, Palgrave Macmillan

2016

2. Bank Funding, Financial Instruments and Decision-Making in the Banking Industry
   Palgrave Macmillan Studies in Banking and Financial Institutions, Palgrave Macmillan View citations (2)
3. Liquidity Risk, Efficiency and New Bank Business Models
   Palgrave Macmillan Studies in Banking and Financial Institutions, Palgrave Macmillan View citations (2)

Chapters

2023

1. Introduction
   Palgrave Macmillan
2. The Digitalization of the European Banking Industry: Some Evidence
   Palgrave Macmillan

2021

3. FinTech and Banking: An Evolving Relationship
   Palgrave Macmillan View citations (3)

2016

4. Introduction
   Palgrave Macmillan
5. Introduction
   Palgrave Macmillan
6. The Reputable Underwriting Matching in Corporate Bond Issuances: Evidence for Non-financial Bonds
   Palgrave Macmillan
7. The Single Euro Payment Area (SEPA): Implementation in Spain
   Palgrave Macmillan

2015

8. Bank Crisis Resolution and the Insufficiency of Fiscal Backstops: The Case of Spain
   Chapter 17 in The First Great Financial Crisis of the 21st Century A Retrospective, 2015, pp 461-487
9. Regulatory Response to the Financial Crisis in Europe: Recent Developments (2010–2013)
   Chapter 7 in The First Great Financial Crisis of the 21st Century A Retrospective, 2015, pp 167-218 View citations (1)
   See also Journal Article Regulatory response to the financial crisis in Europe: recent developments (2010-2013), Emerald Group Publishing Limited (2015) View citations (1) (2015)

2013

10. Financial Stability and Economic Growth
    Palgrave Macmillan
11. Monetary Policy and Trade Credit: Evidence for Spain
    Palgrave Macmillan
12. The Relationship between Mortgage Credit and Property Prices: The Chinese Case
    Palgrave Macmillan

2011

13. A Revenue-Based Frontier Measure of Banking Competition
    Palgrave Macmillan
    See also Working Paper A revenue-based frontier measure of banking competition, Federal Reserve Bank of Philadelphia (2010) (2010)

2010

14. Financial Crisis and Regulation: The Case of Spain
    Palgrave Macmillan View citations (1)

2009

15. Technological Innovation in Banking: The Shift to ATMs and Implicit Pricing of Network Convenience
    Chapter 4 in Financial Innovation in Retail and Corporate Banking, 2009

2005

16. European Policy on Financial Exclusion and Bank Strategies
    Palgrave Macmillan View citations (4)
17. Financial Exclusion in Developing Countries
    Palgrave Macmillan View citations (11)
18. Financial Exclusion in Europe
    Palgrave Macmillan View citations (4)
    See also Journal Article Financial Exclusion in Europe, Taylor & Francis Journals (2007) View citations (17) (2007)
19. Financial Exclusion in the UK
    Palgrave Macmillan View citations (4)
    Also in Palgrave Macmillan (2005) View citations (2)
20. Financial Exclusion – Areas for Further Study
    Palgrave Macmillan View citations (2)
21. Introduction
    Palgrave Macmillan
22. Nature, Consequences and Policy Reactions: An Overview
    Palgrave Macmillan
23. Tackling Financial Exclusion in the UK
    Palgrave Macmillan View citations (2)

2001

24. The Impact of CAR on Bank Capital Augmentation in Spain
    Palgrave Macmillan

2000

25. Adaptive Strategies by European Savings Banks: A Case Study of Spain
    Palgrave Macmillan
26. Stakeholder Value in European Savings Banks
    Palgrave Macmillan View citations (3)