@article{publication-11789,
	author={Degryse, Hans and Ongena, Steven},
	doi={10.1093/oxrep/grh033},
	issn={0266-903X},
	journal={Oxford Review of Economic Policy},
	number=4,
	pages={571-590},
	publisher={Oxford University Press},
	title={The Impact of Technology and Regulation on the Geographical Scope of Banking},
	volume=20,
	year=2004,
}