RDP 8402: Financial Innovation Bibliography Innovation

i) Products and Processes

AGMON, T., A.R. OFER and A. TAMIR. “Variable Rate Debt Instruments and Corporate Debt Policy”. Journal of Finance, vol. 36, 1981, pp.113–125.

BANK OF CANADA. “1982 Annual Report”, Bank of Canada, Ottawa, February 1983.

A.N.Z. BANK. “Factoring Provides Cash for Debts”. ANZ Quarterly Survey, October 1962, pp.14–16.

AUSTRALIAN STOCK EXCHANGE. “Factoring, a Growing Financial Option”. Australian Stock Exchange Journal, vol. 8, No. 11, 1979, p.25.

BANK OF ENGLAND. “The Nature and Implications of Financial Innovation”. Bank of England Quarterly Bulletin, vol. 23, No. 3, 1983, pp.358–362.

BANK OF ENGLAND. “Recent Changes in the Use of Cash”. Bank of England Quarterly Bulletin, vol. 22, No. 4, 1982, pp.519–529.

BANKER. “Nationwide NOW Accounts”. Banker, vol. 131, No. 661, 1981, pp.11–13.

BANKERS' MAGAZINE. “New Money Market Techniques”. Bankers' Magazine, vol. 201, 1966, pp.290–291.

BECKER, S.W. and F. STANFORD. “Some Determinants of Organizational Success”. Journal of Business, vol. 40, 1967, pp.511–530.

BECKER, S.W. and T.L. WHISLER. “The Innovative Organization: A Selective View of Current Theory and Research”. Journal of Business, vol. 40, 1967, pp.462–469.

BEN-HORIM, M. and W. SILBER. “Financial Innovation: A Linear Programming Approach”. Journal of Banking and Finance, vol. 1, 1977, pp.227–296.

BLACK, F. and M. SCHOLES. “From Theory to a New Financial Product”. Journal of Finance, vol. 29, 1974, pp.399–411.

BOLTZ, P.W. and T.S. CAMPBELL. “Innovations in Bank Loan Contracting: Recent Evidence”, Federal Reserve System, Staff Studies no. 104. Washington, 1979.

BOYD, J. “Some Recent Developments in Savings and Loan Deposit Markets”. Journal of Money, Credit and Banking, vol. 5, 1973, pp.733–750.

CALDER, S. “Financial Innovations and Futures Markets”. Paper presented to the Conference on Financial Innovations in the Australian Financial System, Melbourne, 8 March 1984.

CENTRAL POLICY REVIEW STAFF. Cashless Pay: Alternatives to Cash in Payment of Wages. HMSO, London, 1981.

CRANE, D.B. and M.J. RILEY. NOW Accounts. Lexington Books, Lexington, Mass., 1978.

DAVIES, E.W. “Leasing and Factoring: A Study in Financial Innovation”. Credit, vol. 3, No. 2, 1970, pp.69–74.

DAW, D.E. “Developments in the Use of Commercial Bills in Australia”. Currency, vol. 8, No. 1, 1967, pp.4–6.

FINDLAY, M. and D.R. CAPOZZA. “The Variable-rate Mortgage and Risk in the Mortgage Market; an Option Theory Perspective”. Journal of Money, Credit and Banking, vol. 9, 1977, pp. 356–364.

FITZGERALD, M.D. “Innovations in Financial Futures”. The Banker, vol. 133, No. 686, 1983, pp.95–103.

FREEBAIRN, I.J. “Australia's Official Commercial Bill-Market-Development to Date”. Australian Quarterly, vol. 41, No. 1, 1969, pp.50–56.

FREEDMAN, C. “Financial Innovation in Canada: Causes and Consequences”. American Economic Review Papers and Proceedings, vol. 73, No. 2, May 1983, pp. 101–106.

FUKAI, M. “Technological Innovation and Recent Developments in the Japanese Financial System”. Paper presented to The Bank of England Conference on the Implications of Developments in Monetary Systems. Bank of England, May 1983.

GOODFRIEND, M. and J. PARTHEMOS and B. SUMMERS. “Recent Financial Innovations: Causes, Consequences, for the Payments System and Implications for Monetary Control”. Federal Reserve Bank of Richmond Review, March-April 1980, pp.14–27.

GREENE, M. “Automation of Foreign Exchange and Other Trading Operations”. Banker, vol. 131, No. 662, 1981, pp.119–123.

HOGAN, B. “Financial Innovations and Public Finance Securities”. Paper presented to the Conference on Financial Innovations in the Australian Financial System, Melbourne, 8 March 1984.

HOHNE, A. “Technological Innovations in the Financial Services”. Paper presented to the Conference on Financial Innovations in the Australian

HOPKINSON, M. “Financial Innovations and Foreign Exchange Markets”. Paper presented to the Conference on Financial Innovations in the Australian Financial System, Melbourne, 8 March 1984.

HORNE, J. “NOW Accounts, Financial Innovation and Monetary Policy: What Have We Learnt?”. Economic Papers, vol. 3 No. 1, March 1984, pp.37–48.

HUME, D. “Alternatives to Cash”. Management Today, September 1975, p.43.

JAFFEE, D.M. Innovations in the Mortgage Market. John Wiley and Sons, New York, 1971, p.183.

JANIS, J. “Thrifts Will Do O.K. But Not By Becoming Banks”. American Bankers' Association Banking Journal, vol. 72, No. 7, 1980, pp.49–51.

JONSON, L. “Origins of Financial Innovation in Australia – A Case Study of the Merchant Bank, Australia United Corporation Ltd, 1948 to 1969”. Melbourne, 1982. Thesis (B.Com.) University of Melbourne.

KANE, E.J. “Accelerated Inflation, Technological Innovation and Decreasing Effectiveness of Banking Regulation”. Journal of Finance, vol. 36, 1981, pp.355–368.

KAUFMAN, G.G. “Variable Rate Residential Mortgages: the Early Experience from California”. Federal Reserve Bank of San Francisco Economic Review, Summer 1976, pp.5–16.

KEARL, J.R. “Deposit Rate Ceiling Deregulation and Mortgage Innovation”. Empirical Economics, vol. 5, No. 2, 1980, pp.83–108.

KEARNEY, K.J. “The New Payment Technology”. Journal of Bank Research, vol. 11, 1981, pp.197–199.

KENNEDY, E.R. “Payment of Accounts by Means of the Clearing House”. Accountants' and Secretaries' Educational Journal, vol. 15, No. 2, 1968, pp.4–8.

KIMBREL, M. and A.A. DILL. “Other Sources of Funds”. In Prochow and Prochow (eds.). The Changing World of Banking. Harper and Row, New York, 1974.

KING, D.A. “Recent Developments in Money and Financial Markets”. Survey of Current Business, vol. 46, No. 11, 1966, pp.13–17.

KNIGHT, K.E. “A Descriptive Model of the Intra-Firm Innovative Process”. Journal of Business, vol. 40, 1967, pp.478–496.

KREDIETBANK. “Advantages and Cost of Factoring”. Kredietbank Weekly Bulletin, 30 September 1967, pp.357–361.

LANDY, L. “Financial Innovation in Canada”. Federal Reserve Bank of New York Quarterly Review, vol. 5, No. 3, 1980, pp.1–9.

LARGE, J. and D. FRENCH. “Cash Management Systems … What They Are … How They Work”. Bankers' Magazine, vol. 227, No. 1667, 1983, pp.14–15.

LAW, R. “The Resurgence of the Commercial Bill”. Bankers' Magazine, vol. 200, December 1965, pp.341–347.

LEGGETT, D. “Interest Rate Swaps – a New Financing Technique”. Bankers' Magazine of Australasia, vol. 97, No. 3, 1983, pp.101–103.

LEWIS, V. “Money Market Funds Establish a European Beachhead”. Institutional Investor, April 1982, pp.136–140.

LOOKER, C.T. “Australia's Evolving Money Market”. Banker, vol. 110, No. 413, 1960, pp.385–394.

LOOKER, C.T. “The Development of the Short Term Money Market in Australia”. The Bankers' Magazine of Australasia, vol. 178, No. 1384, 1959, pp.272–275.

MANSFIELD, E. The Economics of Technological Change. W.W. Norton and Company, New York, 1968.

MARTI, J. and A. ZEILINGER. Micros and Money: New Technology in Banking and Shopping. Policy Studies Institute, London, 1982.

McKINNEY, G.W. and D.M. JONES. “Innovation in American Banking”. Banker, vol. 119, 1969, pp.49–55.

McPHERSON, I. “Financial Innovations in Building Societies”. Paper presented to the Conference on Financial innovations in the Australian Financial System. Melbourne, 8 March 1984.

MEIGS, A.J. “Recent Innovations: Do They Require a New Framework for Monetary Analysis.” in W.L. Silber (ed.). FINANCIAL INNOVATION. Lexington Books, Lexington Mass, 1975.

MEIGS, J.A. “Recent Innovations in the Functions of Banks”. American Economic Review Papers and Proceedings, vol. 56, No. 2, 1966, pp.167–177.

MILNE, A.G. “A Comparative Review of Factoring in Australia and in the U.S.A.”.Chartered Accountant in Australia, November 1967, pp.410–416 and December 1967 pp.427–478.

MITSUBISHI ECONOMIC RESEARCH INSTITUTE “Innovation in Finance in the United States”. Meri's Monthly Circular, Paper No. 624. December 1981, p.6–8.

MODIGLIANI, F. and R. SUTCH. “Innovations in Interest Rate Policy”. American Economic Review Papers and Proceedings, vol. 56, No. 2, 1966, pp.178–197.

MONEY MANAGEMENT. “Factoring: A New Financial Instrument”. Money Management, September-October 1971, pp.35–36.

NIELSEN, C. “NOW Accounts: the New England Experiment in Retrospect”. Bankers' Magazine, vol. 225, No. 1646, 1981, pp.18–21.

PILCHER, R.A. “Factoring – a New Banking Service”. Banker, vol. 122, 1972 pp.675–681.

PORTER, R.C. “The Birth of a Bill Market”. Journal of Development Studies, vol. 9, No. 3, 1973, pp.439–450.

REDMOND, P. “Finance Houses as Banks”. Banker, vol. 122, 1972, pp.671–675.

RESERVE BANK OF INDIA. “Creation of a Bill Market in India”. Reserve Bank of India Bulletin, September 1970, pp.1525–1528.

ROTH, D. and V. JOHNSTON. “Variable Rates on Mortgages?”. Federal Reserve Bank of San Francisco Monthly Review, April 1972, pp.11–19.

RYDGE'S. “Corporate Finance Banking and the Money Market. Latest Developments in Australia's Capital Markets”. Rydge's, vol. 52, No. 2, 1979, pp.113–144.

RYDGE'S. “Corporate Finance, Banking and the Money Market. Special feature”. Rydge's, vol. 53, No. 2. 1980, pp.100–148.

SAITO, T. “Financial Innovation in Japan”. Fuji Bank Bulletin, vol. 35, No. 1, 1980, pp.1–4.

SANDOR, R.L. “Innovation by an Exchange: A Case Study of the Development of the Plywood Futures Contract”. Journal of Law and Economics, vol. 16, 1973, pp.119–136.

SCHADRACK, F.C. and F.S. BREIMYER. “Recent Developments in the Commercial Paper Market”. Federal Reserve Bank of New York Monthly Review, Decemoer 1970, pp.280–291.

SCHMOOKLER, J. Invention and Economic Growth. Harvard University Press, Cambridge, 1966.

SCOTT-KEMMIS, L. “Financial Innovations and Wholesale Banking Markets”. Paper presented to the Conference on Financial Innovations in the Australian Financial System. Melbourne, 8 March 1984.

SHARPE, I. “New Information from New Markets: Futures”. Paper presented to the Conference on Financial Innovations in the Australian Financial System, Melbourne 8 March, 1984.

SHAW, R. “The Development of London's Money Markets”. Journal of the Institute of Bankers, vol. 99, Part 5, 1978, pp.185–187.

SHAY, R.P. and C.C. GREER. “Banks Move Into High-Risk Commercial Financing”. Harvard Business Review. vol. 46, November-December 1968, pp.149–153, 156–161.

SILBER, W.L. Financial Innovation. D.C. Heath and Company, Lexington, Mass, 1975.

SILBER, W. “Innovation, Competition and New Contract Design in Futures Markets”. Journal of Futures Markets, vol. 2, 1981, pp.125–155.

SIMPSON, D. “Problems and Solutions”. Banker, vol. 117, 1967, pp.507–514.

SPENCER, V. “Financial Innovations and Secondary Mortgage Markets”. Paper presented to the Conference on Financial Innovations in the Australian Financial System, Melbourne, 8 March 1984.

SYLLA, R. “Monetary Innovations and Crises in American Economic History”, in P. Wachtel (ed.). Crises in Economic and Financial Structure. D.C. Heath and Company, Lexington, Mass, 1982.

TREBING, M.E. “The New Bank-Thrift Competition: Will it Affect Bank Acquisition and Merger Analysis?”. Federal Reserve Bank of St Louis Review, vol. 63, No. 2, 1981, pp.3–11.

TRENDS. “Commercial Bills and the Money Market”. Trends. vol. 6, No. 2, 1963, pp.3–5.

WOOD, G.E. “Competition, Innovation, Consumer Protection and the role of the Market: the Philosophy of the Campbell Report”. In M.R. Fisher, (ed.). New Financial Revolution?. Centre for Independent Studies, Sydney, 1982

WOJNILOWER, A. “The Central Role of Credit Crunches in Recent Financial History”. Brookings Papers on Economic Activity, No. 2, 1980, pp.277–326.

ii) Computers and Electronic Information

ABBOTT, O.C. “Computers and Banking”. Bankers' Magazine of Australasia, vol. 86, No. 1073, pp.375–386.

ALCHIAN, A. and H. DEMSETZ. “Production, Information Costs, and Electronic Organization”. American Economic Review, vol. 62, 1972, p.777–795.

ALLISON, T.E. “Statement (on the provision of payment mechanism services, particularly electronic fund transfer services) before the Subcommittee on Government Information and Individual Rights of the Committee on Government Operations, U.S. House of Representatives”. Federal Reserve Bulletin, vol. 67, No. 11, 1981, pp.828–832.

AMERICAN BANKERS' ASSOCIATION. “ATM Sharing: How Much is Too Much?”. American Bankers' Association Banking Journal, Vol 75, No. 12, 1983, pp.106–113.

AMERICAN BANKERS' ASSOCIATION. “EFT is Bank. This Time it May Stay.” American Bankers' Association Banking Journal, vol. 75, No. 9, 1983, pp.130–137.

AMERICAN BANKERS' ASSOCIATION. “Micros: Decision Time for Bank Managers”. American Bankers' Association Banking Journal, vol. 75, No. 8, 1983, pp.59–89.

AMERICAN BANKERS' ASSOCIATION. “Shock Talk: Prospects for the Next Round of Technological Leverage”. American Bankers' Association Banking Journal, vol 75, No. 5, 1983, pp.45–80.

AMERICAN BANKERS' ASSOCIATION. “Special Report: Operations and Automation”. American Bankers' Association Banking Journal, vol. 74, No. 6, 1982, pp.35–83.

AMERICAN BANKERS' ASSOCIATION. “Special Report: Operations and Automation”. American Bankers' Association Banking Journal, vol. 75, No. 5, 1983, pp. 45–70.

AMERICAN BANKERS' ASSOCIATION. “Ten Important Bank Card Questions”. American Bankers' Association Banking Journal, vol. 71, No. 9, 1979, pp.63–83.

AMERICAN BANKERS' ASSOCIATION. “Which one of the EFT Insurance Policies Suits Your Bank?”. American Bankers' Association Banking Journal, vol. 75, No. 2, 1983, pp.107–112.

ASIAN FINANCE “Computer Banking”. Asian Finance, vol. 8, No. 7, 1982, pp.81–94.

AUSTRALIAN ASSOCIATION OF PERMANENT BUILDING SOCIETIES. “Electronic Funds Transfer System Strengthens Need For Building Society Access To Payments System”. Australian Association of Permanent Building Societies National Newsletter. August, 1983, pp.1–2.

BALLAM, A. “Electronic Banking”. Bankers' Magazine, vol. 225, No. 1643, 1981, p.55.

BALLAM, A. “Electronic Banking”. “Electronic Banking”. Bankers' Magazine, vol. 226, No. 1654, 1982, p.40.

BALLAM, A. “Electronic Banking”. “The Sky's The Limit”. Bankers' Magazine, vol. 225, No. 1644, 1981, pp.7–12.

BAMBER, D. “One Day Your Bank Will Be Your Home”. Euromoney, May 1981, pp.20–29.

BANK FOR INTERNATIONAL SETTLEMENTS Security and Reliability in Electronic Systems for Payments. 2nd rev. ed. Bank for International Settlements, Basle, 1982.

BANKER. “Automatic Handling of Cheques: Results of American Study”. Banker, vol. 106, No. 370, 1956, pp.716–719.

BANKER. “Cash Dispensers: German Savers Bank On ATMs”. Banker, vol. 133, No.683, 1983, p.89.

BANKER. “Developments at the Giro Bank”. Banker, vol. 129, No. 636, 1979, pp. 108–109.

BANKER. “Dutch Giro Developments”. Banker, vol. 125, September 1975, p.1139.

BANKER. “First Step to Electronic Banking”. Banker, vol. 107, No.375, 1957, pp.242–248.

BANKER.“Giro and the Banks”. Banker, vol. 118, November 1968, pp.973–974.

BANKER. “Home banking: Gateway to the Big League (Nottingham Building Society's plan to use Prestel to Introduce Homelink Service)”. Banker, vol. 133, No. 683, 1983, pp.85–86.

BANKER. “National Giro's Future in Doubt”. Banker, vol. 121, March 1971, p.325.

BANKER. “Playing with SOFI”. Banker, vol. 128, No. 623, 1978, p.100.

BANKER. “United States: Electronic Banking”. Banker, vol. 132, No. 671, 1982, pp.9–10.

BANKERS' MAGAZINE “An Ambitious Home Banking Scheme”. Bankers' Magazine, vol. 227, No. 1666, 1983, pp.8–9.

BANKERS' MAGAZINE “Automatic Handling of Cheques”. Bankers' Magazine, vol. 193, No. 1416, 1962, pp.248–251.

BANKERS' MAGAZINE “ATMs (Automated Telling Machines) are Bringing About a Revolution in U.S. Banking”. Bankers' Magazine, vol. 227, June 1983, pp.14–15.

BANKERS' MAGAZINE“A Bankers' Magazine Survey/Banking Technology”. Bankers' Magazine, vol. 226, No. 1664, 1982, pp.8–34.

BANKERS' MAGAZINE “Door Closed on Giro's”. Bankers' Magazine, vol. 197, January 1964, p.41.

BANKERS' MAGAZINE “The Drive to Automate the Branches”. Bankers' Magazine, vol. 224, No. 1652, 1981, pp.21–29.

BANKERS' MAGAZINE “Home Banking Comes to New York”. Bankers' Magazine, vol. 224, No. 1652, 1981, pp.36–37.

BANKERS' MAGAZINE “How Far to the Electronic Bank?”. Bankers' Magazine, vol. 224, No. 1638, 1980, p.5.

BANKERS' MAGAZINE “POS: Still Some Way to Go”. Bankers' Magazine, vol. 224, No. 1638, 1980, p.7.

BANKERS' MAGAZINE “Time to Move Computers into the Front Office”. Bankers' Magazine, vol. 224, No. 1638, 1980, pp.10–14.

BANKERS' MAGAZINE OF AUSTRALASIA. “An Australian Giro?”. Bankers' Magazine of Australasia, vol. 86, 1973, p.359.

BANKERS' MAGAZINE OF AUSTRALASIA. “Are We Heading Towards a Chequeless Society”. Bankers' Magazine of Australasia, vol. 81, 1968, pp.225–228.

BANKING. “Changing Face of Bank Automation”. Banking, vol. 67, No. 9, 1975, pp.32–33, 42.

BANKING. “Changing Face of Bank Automation”. “New Light on Bank Operations/Automation”. Banking, vol. 68, No. 3, 1976, pp.78, 80, 82.

BANKING. “Changing Face of Bank Automation”. “Special Report/Bank Automation”. Banking, vol. 64, No. 10, 1972, pp.18–32.

BANKING. “Changing Face of Bank Automation”.“Special Report/Operations and Automation”. Banking, vol. 64, No. 11, 1973, pp.29–35, 64, 74–77, 82–96.

BANKING. “Changing Face of Bank Automation”. “Special Report/Operations and Automation”. Banking, vol. 66, No. 11, 1974, pp.29–36, 38, 121.

BANKING. “Changing Face of Bank Automation”. “Special Report/Operations and Automation”. Banking, vol. 66, No. 13, 1974, pp.26–27, 52–53, 54, 57, 62–63.

BANKING. “Changing Face of Bank Automation”. “Special Report/Computer Software”. Banking, vol. 67, No. 12, 1975, pp.27–28, 44, 46, 52.

BANKING WORLD. “Banking Executives Get Their Hands on the Keyboard”. Banking World, vol. 1, No. 3, 1983, pp.34–36.

BANKING. “Changing Face of Bank Automation”. “Technology's Inexorable Advance: The Impact Computer Based Technology is Having On Banks and Bankers”. Banking World, vol. 1, No. 5, 1983, pp.10–25.

BANKING. “Changing Face of Bank Automation”. “Time to Reappraise the Drive into Automation”. Banking World, vol. 1, No. 1, 1983, pp.24–26.

BART BAKKER, R. “Coping with Technology: A European View”. World of Banking, vol. 2, No. 5, 1983, pp.9–11.

BATTELLE ON AUTOMATED BANKING IN EUROPE. “Same Day Automated Clearing System Starts in U.K.”. Battelle on Automated Banking in Europe, No. 40, 1984, pp.1–2.

BATTELLE ON AUTOMATED BANKING IN EUROPE. “2,000 plus million EFT Transactions in Europe”, Battelle on Automated Banking in Europe, No. 39, 1983, pp.1, 3.

BAXTER, W.F., P.H. COOTNER and K.E. SCOTT. Retail Banking in the Electronic Age: The Law and Economics of Electronic Funds Transfer. N.J. Allanheld, Osmur, Montclair, 1977.

BECKINGSALE, C. “Myer Enters Electronic Fund Management Era”. Australian Financial Review, 16 November 1983, p.24.

BEERWORTH, R. “Tomorrow is Here”. Canadian Banker and ICB Review, vol. 88, No. 3, 1981, pp.34–39.

BELL, T. “Automation is About Information”. Bankers' Magazine, vol. 224, No. 1638, 1980, pp.8–9.

BELL, T. “Towards Tommorrow”. Banker, vol. 130, No. 649, 1980, pp. 107–109.

BETTAUER, R.H. “Joint EFT Investments and Bank Services Corporations”, Banking Law Journal, vol. 98, 1981, pp.432–448.

BIRD, E. The Twelve of Prestel – Through The Gateway. Slough, Urwick Nexos, Berkshire, 1981

BOLTON, G.L.F. “The Future of Paper Money”. Banker, vol. 130, No. 651, 1980, pp.91–96.

BOLTON, G.L.F. “The Future of Paper Money”. Banker, vol. 130, No. 652, 1980, pp.67–71.

BOWNE, A. “Westpac Leads The Race to a Cashless Society”. Business Review Weekly, vol. 6, No. 11, 1984, pp.45–48.

BURROUGHS. “Britain's Giro Starts a Loan Revolution”. Burroughs Clearing House, vol. 54, No. 9, 1970, pp.57–58.

BURROUGHS. “British Giro – The Banks Fight Back”. Burroughs Clearing House, vol. 54, No. 10, 1970, pp.40, 42.

BURROUGHS. “Dutch Banks Announce Computerized Giro Plan”, Burroughs Clearing House, vol. 51, 1984, pp.6.

CAMPBELL, M. “Computerising Bank Branches”. Banker, vol. 121, 1971, pp.879–885.

CANADIAN BANKER. “Questions and Answers About Automation in Banking”. Canadian Banker, vol. 90, No. 6, 1983, pp.26–29.

CANE, A. “The EFT Revolution”. Banker, vol. 132, No. 672, 1982, pp.59–65.

CARROLL, J. “Californians plug into Home Banking”. Bankers' Magazine, vol. 226, No. 1659, 1982, pp.23.

CENTRE FOR BUSINESS RESEARCH. Retail Electronic Banking and Point of Sale. Centre for Business Research, Manchester, 1981.

CHO, K. “Bankcard and the Cashless/Chequeless Society: Towards an Electronic Payments System?”. Royal Melbourne Institute of Technology, Melbourne, 1979. Mimeo.

CLARK, R.T. CHAPS: A New Approach to Payments Systems. IBRO, London, 1982.

CLARK, R. and M. CHERRINGTON “Telecommunications and Financial Markets”. Banker, vol. 130, No. 649, 1980, pp.95–101.

COMOR, M. “How to Prevent Computer Fraud”. Asian Banking, February 1982, pp.35–37.

CONNORS, T. “Consumer Safeguards Urgent in Introduction of Electronic Funds Transfer: Evans (Attorney-General)”. Australian Financial Review, 29 March 1984, p.3.

COOKE, G. “Have Bank Staff Had Their Chips?”. Journal of the Institute of Bankers, vol. 101, Part 6, 1980, p.177–179.

COSTELLO, J. “‘Smart Card’ Goes Ahead in France: A Microprocessor in Plastic Pays the Bills”. Australian Financial Review, 17 October 1983, p.19.

COSTELLO, J. “Banking Software Opportunities Widen”. Australian Financial Review, 5 March 1984, p.17.

COSTELLO, J. and R. HUBBARD “Telecom, Westpac Pact Sets EFT Standard”. Australian Financial Review, 12 March 1984, pp.1, 6.

CRADDOCK, C. “Privacy and Equity in EFTs: Some Basic Issues”. Canadian Banker and ICB Review, vol. 88, No. 1, 1981, pp.10–19.

CRAWFORD, E. “The Computers' Credit Rating”. Bankers' Magazine, vol. 221, No. 1600, 1977, pp.9–10.

CREAN, J.F. “Automation in Canadian Banking”. The Canadian Banker and ICB Review, vol. 85, No. 4, 1978, pp.16–21.

CREAN, J.F. “Automation in Canadian Banking, Part 2., The Canadian Payments System”. The Canadian Banker and ICB Review, vol. 85, No. 5, 1978, pp.20–22, 24–28.

CREAN, J.F. “Automation in Canadian Banking, Part 3. EFTs and the Canadian Payments System”. The Canadian Banker and ICB Review, vol. 85, No. 6, 1978, pp.18–23.

CREAN, J.F. “Automation in Canadian Banking, Part 4. Contrasts in National Payments Systems”. The Canadian Banker and ICB Review, vol. 86, No. 1, 1976, pp.18–26.

CREAN, J.F. “Automation in Canadian Banking, Part 5. Governments, EFTs, and the Public Interest”. The Canadian Banker and ICB Review, vol. 86, No. 2, 1979, pp.10–16, 18–19.

CREAN, J.F. “Automation in Canadian Banking, Part 6. Government, the Bank Act and Reform of the Payments System”. The Canadian Banker and ICB Review, vol. 86, No. 3, 1979, pp.4–6, 8–10.

DANIEL, O. “Point of Sales Funds Transfer: Card Companies Take the Lead”. Bankers' Magazine, vol. 224, No. 1652, 1981, pp.38–40.

DAVIES, G. “Giro's Two Year Hard Slog”. Banker, vol. 120, No. 536, 1970, pp.1069–1676.

DAVIES, G. “Giro Unchained and Recharged”. Banker, vol. 122, No. 6, 1972, pp.657–662.

DAVIES, G. “International Giro's and the Trading Banks”. Euromoney, vol. 2, No. 12, 1972, pp.15–16, 18, 20.

DEUTSCHE BUNDESBANK “The Role of the Deutsche Bundesbank in Cashless Payments”. Monthly Report of the Deutsche Bundesbank, No. 34, March 1982, pp.29–31.

DEVLIN, M. “Technology Training for Bankers”. Banker, vol. 130, No. 649, 1980, pp.119–121.

DEYGAS, G. “Remarks on the Application of New Technologies to Systems of Payment”. Paper presented to Bank of England Conference on the Implications of Development in Monetary Systems.. Bank of England, May 1983.

DOSWELL, R.T. “Some Issues in the Development of Electronic Funds Transfer”, National Computing Centre, Manchester, 1983. Mimeo.

ECONOMIST. “Operation Giro”. Economist, 21 August 1965, pp.717–718.

EDMONDS, I.A. “Computer Banking: A New Perspective” Banker, vol. 117, No. 11, 1967, pp.1041–1047.

EISENMENGER, R.W., A.H. MUNNELL and S.J. WEISS “Pricing and the Role of the Federal Reserve in an Electronic Funds Transfer System”. Federal Reserve Bank of Boston Review, vol. 1, No. 2, 1974, pp.97–110.

ENGLER, R. “Automation of Payments in the Federal Republic of Germany: Status and Future Prospects”. Journal of Bank Research, vol. 11, 1981, pp.233–241.

EUROMONEY. “Banking Technology”. Euromoney, February 1981, pp.18–25.

FAIRLAMB, D. “Public Policy Issues and the Technological Revolution”. Banker, vol. 131, No. 662, 1981, pp.113–115.

FALLON, P. and D. BAMBER. “Electronic Banking: the Treasurer's Dilemma”. Euromoney, March 1983, pp.58–68.

FEDERAL RESERVE BANK OF BOSTON. “The Economics of a National Electronic Funds Transfer System”. (Conference Series No. 13). Federal Reserve Bank of Boston, Boston, 1974.

FEDERAL RESERVE SYSTEM. “Bank Credit-Card and Check-Credit Plans”. A Federal Reserve System Report, Federal Reserve System, Washington, 1968.

FEDERAL RESERVE SYSTEM. “Credit Cards in the U.S. Economy: Their impact On Costs, Prices and Retail Sales”. (Federal Reserve System Staff Economic Studies No. 15), Washington, 1983.

FINANCIAL TIMES “Electronics in Banking and Retailing”. Financial Times Survey, Financial Times, 30 March 1983.

FINANCIAL TIMES “European Banks Agree to Link Their Cash Dispensing Systems”. Australian Financial Review, 1 November 1983, p.17.

FITZPATRICK, J.E. “Technology in Banking in the 80's”. Journal of the Institute of Bankers in Ireland, vol. 83, 1981, pp.74–85.

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