Lang G and P Welzel (1998). “Technology and Cost Efficiency in Universal Banking a ‘Thick Frontier’ -Analysis of the German Banking Industry.” JPA 10(1): 63-84.

Lang G and P Welzel (1998). “Technology and Cost Efficiency in Universal Banking a ‘Thick Frontier’ -Analysis of the German Banking Industry.” JPA 10(1): 63-84.

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