home > archives > 13/2 > Academic publications on innovation mana

References

Adams, R, J Bessant and R Phelps (2006). Innovation management measurement: A review. International Journal of Management Reviews, 8(1), 21-47.

Akamavi, R (2005). A research agenda for investigation of product innovation in the financial services sector. Journal of Services Marketing, 19(6), 359-378.

Akamavi, R (2005a). Re-engineering service quality process mapping: e-banking process. International Journal of Bank Marketing, 23(1), 28-53.

Akhavein, J, WS Frame and LJ White (2005). The Diffusion of Financial Innovations: An Examination of the Adoption of Small Business Credit Scoring by Large Banking Organizations. Journal of Business, 78(2), 577-596.

Akinci, S, S Aksoy and E Atilgan (2004). Adoption of Internet banking among sophisticated consumer segments in an advanced developing country. International Journal of Bank Marketing, 22(3), 212-232.

Alam, M (2008). A comparative study of financing small and cottage industries by interest-free banks in Turkey, Cyprus, Sudan and Bangladesh. Humanomics, 24(2), 145-161.

Amin, H (2007). An analysis of mobile credit card usage intentions. Information Management & Computer Security, 15(4), 260-269.

Amin, H (2008). Factors affecting the intentions of customers in Malaysia to use mobile phone credit cards. Management Research News, 31(7), 493-503.

Amin, H, MR Abdul Hamid, S Lada and Z Anis (2008). The adoption of mobile banking in Malaysia: The case of Bank Islam Malaysia Berhad (BIMB). International Journal of Business and Society, 9(2), 43-53.

Amin, M and Z Isa (2008). An examination of the relationship between service quality perception and customer satisfaction. International Journal of Islamic and Middle Eastern Finance and Management, 1(3), 191-209.

Antonides, G, H Amesz and I Hulscher (1999). Adoption of payment systems in ten countries - a case study of diffusion of innovations. European Journal of Marketing, 33(11/12), 1123-1135.

Asad, N and S Khan (2003). Relationship between job-stress and burnout: organizational support. Pakistan Journal of Psychological Research, 18(3/4), 139-149.

Atherton, A., & Hannon P. (2000). Innovation processes and the small business: A conceptual analysis. International Journal of Business Performance Management, 2(4), 276-292.

Au, YA and RJ Kauffman (2001). Should we wait? Network externalities, compatibility, and electronic billing adoption. Journal of Management Information Systems, 18(2), 47-63.

Avlonitis, G and P Papastathopoulou (2000). Marketing communications and product performance: innovative vs non-innovative new retail financial products. International Journal of Bank Marketing, 18(1), 27-41.

Avlonitis, GJ, PG Papastathopoulou and SP Gounaris (2001). An empirically-based typology of product innovativeness for new financial services: Success and failure scenarios. Journal of Product Innovation Management, 18, 324-342.

Baregheh, A., Rowley, J., and Sambrook, S. (2009). Towards a multidisciplinary definition of innovation, Management Decision, 47 (8), 1323-1339

Batiz-Lazo, B and D Wood (1999). Management of core capabilities in Mexican and European banks. International Journal of Service Industry Management, 10(5), 430-448.

Battor, M, M Zairi and A Francis (2008). Knowledge-based capabilities and their impact on performance: a best practice management evaluation. Business Strategy Series, 9(2), 47-56.

Bauer, HH, M Hammerschmidt and T Falk (2005). Measuring the quality of e-banking portals. International Journal of Bank Marketing, 23(2/3), 153-175.

Beccalli, E (2007). Does IT investment improve bank performance? Evidence from Europe. Journal of Banking & Finance, 31, 2205-2230.

Benamraoui, A (2008). Islamic banking: the case of Algeria. International Journal of Islamic and Middle Eastern Finance and Management, 1(2), 113-131.

Benaroch, M and RJ Kauffman (2000). Justifying Electronic Banking Network Expansion Using Real Options Analysis. MIS Quarterly, 24(2), 197-225.

Benston, G, P Irvine, J Rosenfeld and JF Sinkey Jr (2003). Bank capital structure, regulatory capital, and securities innovations. Journal of Money, Credit and Banking, 35(3), 301-322.

Berger, AN (2003). The Economic Effects of Technological Progress: Evidence from the Banking Industry. Journal of Money, Credit and Banking, 35(2), 141-176.

Berger, AN and AA Dick (2007). Entry into Banking Markets and the Early-Mover Advantage. Journal of Money, Credit and Banking, 39(4), 775-807.

Berger, AN and FGF Udell (2002). Small Business Credit Availability and Relationship Lending: The Importance of Bank Organizational Structure. Economic Journal, 112(477), F32-F53.

Bhattacharyya, S and V Nanda (2000). Client discretion, switching costs, and financial innovation. Review of Financial Studies, 13(4), 1101-1127.

Bodenhorn, H (2003). Short-Term Loans and Long-Term Relationships: Relationship Lending in Early America. Journal of Money, Credit and Banking, 35(4), 485-505.

Bofondi, M and F Lotti (2006). Innovation in the Retail Banking Industry: the Diffusion of Credit Scoring. Review of Industrial Organization, 28, 343-358.

Boot, AWA and AV Thakor (2000). Can Relationship Banking Survive Competition?. Journal of Finance, 55(2), 679-713.

Boyes, G and M Stone (2003). E-business opportunities in financial services. Journal of Financial Services Marketing, 8(2), 176-189.

Bradley, L and K Stewart (2002). A Delphi study of the drivers and inhibitors of Internet banking. International Journal of Bank Marketing, 20(6), 250-260.

Bradley, L and K Stewart (2003). A Delphi study of Internet banking. Marketing Intelligence and Planning, 21(5), 272-281.

Bradley, L and K Stewart (2003). The Diffusion of Online Banking. Journal of Marketing Management, 19(9/10), 1087-1109.

Branca, AS (2008). Demographic influences on behavior: An update to the adoption of bank delivery channels. International Journal of Bank Marketing, 26(4), 237-259.

Brandon, B and T Guimaraes (1999). Empirically assessing the impact of BPR on banking firms. Journal of Bank Cost & Management Accounting, 12(2), 26-53.

Brige, A (2006). Building relationship with customers by using technological solutions in commercial banks of Latvia. Baltic Journal of Management, 1(1), 24-33.

Calabrese, F and J Remshard (2006). A suggested systems approach to a KM solution for improving an Internet bank's customer response. Journal of Information and Knowledge Management Systems, 36(2), 125-135.

Calvet, L, M Gonzalez-Eiras and P Sodini (2004). Financial Innovation, Market Participation, and Asset Prices. Journal of Financial and Quantitative Analysis, 39(3), 431-459.

Carlson, NF (2000). Developing business process patents and intellectual property. Strategic Finance, 82(5), 64-68.

Casalo´, LV, C Flavia´n and M Guinalı´u (2007). The role of security, privacy, usability and reputation in the development of online banking. Online Information Review, 31(5), 583-603.

Charitou, CD and CC Markides (2003). Responses to Disruptive Strategic Innovation. Management Review, 44(2), 55-64.

Chen, TY (1999). Critical success factors for various strategies in the banking industry. International Journal of Bank Marketing, 17(2), 83-91.

Choo, C and R Johnston (2004). Innovation in the knowing organization: a case study of an e-commerce initiative. Journal of Knowledge Management, 8(6), 77-92.

Chou, DC and AY Chou (2000). A guide to the Internet revolution in banking. Information Systems Management, 51-57.

Cook, P (1998). The creativity advantage - is your organization the leader of the pack? Industrial and Commercial Training, 30(5), 179-184.

Cooper, R.G. (1998), Product Leadership: Creating and Launching Superior New Products, Perseus Books, Reading, MA.

Costanzo, L, K Keasey and H Short (2003). A Strategic Approach to the Study of Innovation in the Financial Services Industry: The Case of Telephone Banking. Journal of Marketing Management, 19(3/4), 259-281.

Costanzo, LA and JK Ashton (2006). Product innovation and consumer choice in the UK financial services industry. Journal of Financial Regulation and Compliance, 14(3), 285-303.

Cunningham, LF, J Gerlach and MD Harper (2005). Perceived risk and e-banking services: An analysis from the perspective of the consumer. Journal of Financial Services Marketing, 10(2), 165-178.

Curado, C (2008). Perceptions of knowledge management and intellectual capital in the banking industry. Journal of Knowledge Management, 12(3), 141-155.

Curran, JM and ML Meuter (2005). Self-service technology adoption: comparing three technologies. Journal of Services Marketing, 19(2), 103-113.

Daniel, E (1999). Provision of electronic banking in the UK and the Republic of Ireland. International Journal of Bank Marketing, 17(2), 72-82.

Das, K (2009), Relationship marketing research (1994-2006) An academic literature review and classification, Marketing Intelligence & Planning, 27(3), 326-363

De Jong, J and Vermeulen, P (2003). Organizing successful new service development: a literature review. Management Decision, 41(9), 844-858.

De Jong, J., Bruins, A., Dolfsma, W. and Meijaard, J. (2003), "Innovation in service firms
explored: what, how, and why?", Strategic Study B200205, EIM Business and Policy
Research.

De Young, R (2005). The Performance of Internet- Based Business Models: Evidence from the Banking Industry. Journal of Business, 78(3), 893-947.

De Young, R and T Rice (2004). How do banks make money? A variety of business strategies. Economic Perspectives, 28(4), 52-67.

Deephouse, D (1999). To Be Different, or to Be the Same? It's a Question (And Theory) of Strategic Balance. Strategic Management Journal, 20(2), 147-166.

Devlin, JF (2000). Adding value to retail financial services. International Journal of Bank Marketing, 18(5), 222-232.

Dodgson, M., Gann, D., Salter, A. (2005), Think, Play, Do: Technology, Innovation, and
Organization, New York: Oxford University Press

Dolfsma, W (2004). The process of new service development - issues of formalization and appropriability. International Journal of Innovation Management, 8(3), 319-337.

Drew, S (2006). Building technology foresight: using scenarios to embrace innovation. European Journal of Innovation Management, 9(3), 241-257.

Dusuki, AW (2008). Banking for the poor: the role of Islamic banking in microfinance initiatives. Humanomics, 24(1), 49-66.

Dusuki, AW and NI Abdullah (2007). Why do Malaysian customers patronize Islamic banks?. International Journal of Bank Marketing, 25(3), 142-160.

El Sheikh, FEA (2002). The Underground Banking Systems and their Impact on Control of Money Laundering: With Special Reference to Islamic Banking. Journal of Money Laundering Control, 6(1), 42-45.

El-Bannany, M (2008). A study of determinants of intellectual capital performance in banks: the UK case. Journal of Intellectual Capital, 9(3), 487-498.

Enders, A, T Jelassi, A König and H Hungenberg (2006). The relativity of disruption: E-Banking as a sustaining innovation in the banking industry. Journal of Electronic Commerce Research, 7(2), 67-77.

Eriksson, K., Fjeldstad, O. and Sasson, A, (2007), Knowledge of Inter-customer Relations as a
Source of Value Creation and Commitment in Financial Service Firm's Intermediation, The Service Industries Journal, Vol.27, No.5, 563-582

Eriksson, K and D Nilsson (2007). Determinants of the continued use of self-service technology: The case of Internet banking. Technovation, 27, 159-167.

Eriksson, K, K Kerem and D Nilsson (2008). The adoption of commercial innovations in the former Central and Eastern European markets: The case of Internet banking in Estonia. International Journal of Bank Marketing, 26(3), 154-169.

Erturk, A (2008). A trust-based approach to promote employees' openness to organizational change in Turkey. International Journal of Manpower, 29(5), 462-483.

Fagerberg, J., Mowery, D. and Nelson, R. (2005), The Oxford Handbook of Innovation, Oxford University Press.

Fan, CI and YK Liang (2008). Anonymous Fair Transaction Protocols Based on Electronic Cash. International Journal of Electronic Commerce, 13(1), 131-151.

Ferguson, R and K Hlavinka (2007). Choosing the right tools for your relationship banking strategy. Journal of Consumer Marketing, 24(2), 110-117.

Ferri, G and D Masciandaro (2002). E-Banking, Governance and Local Banks: The Italian Case. Journal of International Banking Regulation, 4(1), 72-83.

Flavian, C, E Torres and M Guinaliu (2004). Corporate image measurement: A further problem for the tangibilization of Internet banking services. International Journal of Bank Marketing, 22(5), 366-384.

Flowers, S (2004). Contingent Capabilities and the Procurement of Complex Product Systems. International Journal of Innovation Management, 8(1), 1-20.

Frame, WS and LJ White (2004). Empirical Studies of Financial Innovation: Lots of Talk, Little Action?. Journal of Economic Literature, 42(1), 116-144.

Frei, FX, R Kalakota, AJ Leone and LM Marx (1999). Process Variation As a Determinant of Bank Performance: Evidence from the Retail Banking Study. Management Science, 45(9), 1210-1220.

FuB, C, R Gmeiner, D Schiereck and S Strahringer (2007). ERP Usage in Banking: An Exploratory Survey of the World's Largest Banks. Information Systems Management, 24(2), 155-171.

Gallouj, F (1998). Innovating in reverse: services and the revers product cycle. European Journal of Innovation Management, 1(3), 123-138.

Garrone, P and MG Colombo (1999). Market-driven design of innovative services: The case of multimedia home banking. Technovation, 19, 537-549.

Gerrard, P and JB Cunningham (2003). The diffusion of Internet banking among Singapore consumers. International Journal of Bank Marketing, 21(1), 16-28.

Gerrard, P, JB Cunningham and JF Devlin (2006). Why consumers are not using Internet banking: a qualitative study. Journal of Services Marketing, 20(3), 160-168.

Gewald, H, K Wullenweber and T Weitzel (2006). The influence of perceived risks on banking managers' intention to outsource business processes - a study of the German banking and finance industry. Journal of Electronic Commerce Research, 7(2), 78-96.

Ghannadian, F and G Goswami (2004). Developing economy banking: the case of Islamic banks. International Journal of Social Economics, 31(8), 740-752.

Giannakoudi, S (1999). Internet Banking: The Digital Voyage of Banking and Money in Cyberspace. Information & Communications Technology Law, 8(3), 205-243.

Glaveli, N and S Kufidu (2005). The old, the young and the restless: A comparative analysis of the impact of environmental change on training in four Greek banks. European Business Review, 17(5), 441-459.

Goddard, J, P Molyneux, J Wilson and M Tavakoli (2007). European banking: An overview. Journal of Banking & Finance, 31, 1911-1935.

Gonzalez, ME, G Quesada, F Picado and CA Eckelman (2004). Customer satisfaction using QFD: an e-banking case. Managing Service Quality, 14(4), 317-330.

González, ME, RD Mueller and RW Mack (2008). An Alternative Approach in Service Quality: An e-Banking Case Study. Quality Management Journal, 15(1), 41-59.

Gopalakrishnan, S and P Bierly (2001). Analyzing innovation adoption using a knowledge-based approach. Journal of Engineering and Technology Management, 18(2), 107-130.

Gratton, L and TJ Erickson (2007). Ways to build collaborative teams. Harvard Business Review, 101-109.

Green, S., Gavin, M. and Aiman-Smith, L. (1995), "Assessing a multidimensional measure of
radical technological innovation", IEEE Transactions on Engineering Management, Vol. 42
No. 3, pp. 203-14

Gupta, MC, A Czernik and RD Sharma (2001). Operations strategies of banks - using new technologies for competitive advantage. Technovation, 21, 775-782.

Gurau, C (2002). Online banking in transition economies: the implementation and development of online banking systems in Romania. International Journal of Bank Marketing, 20(6), 285-296.

Guseva, A and A Rona-Tas (2001). Uncertainty, Risk, and Trust: Russian and American Credit Card Markets Compared. American Sociological Review, 66(5), 623-646.

Han, J, N Kim and R Srivastava (1998). Market orientation and organizational performance: Is innovation a missing link. Journal of Marketing, 62(4), 30-45.

Han, K, RJ Kauffman and BR Nault (2004). Information Exploitation and Interorganizational Systems Ownership. Journal of Management Information Systems, 21(2), 109-135.

Harborne, P and A Johne (2003). Creating a project climate for successful product innovation. European Journal of Innovation Management, 6(2), 118-132.

Harden, G (2002). E-banking comes to town: Exploring how traditional UK high street banks are meeting the challenge of technology and virtual relationships. Journal of Financial Services Marketing, 6(4), 323-332.

Haron, S and WNW Azmi (2008). Determinants of Islamic and conventional deposits in the Malaysian banking system. Managerial Finance, 34(9), 618-643.

Harris, L (2002). The learning organization - myth or reality? Examples from the UK retail banking industry. Learning Organization, 9(2), 78-88.

Hartungi, R (2007). Understanding the success factors of micro-finance institution in a developing country. International Journal of Social Economics, 34(6), 388-401.

Hassan, MK (1999). Islamic banking in theory and practice: the experience of Bangladesh. Managerial Finance, 25(5), 60-113.

Hedley, K, J White, CP dit de la Roche and S Banerjea (2006). Banking 2015: a classic strategy battle of scale vs focus. Strategy & Leadership, 34(3), 51-58.

Heinonen, K (2006). Conceptualising online banking service value. Journal of Financial Services Marketing, 12(1), 39-52.

Hernandez, JMC and JA Mazzon (2007). Adoption of Internet banking: proposition and implementation of an integrated methodology approach. International Journal of Bank Marketing, 25(2), 72-88.

Hernando, I and M Nieto (2007). Is the Internet delivery channel changing banks' performance? The case of Spanish banks. Journal of Banking & Finance, 31, 1083-1099.

Hill, FM and LK Collins (2000). The roles of TQM and BPR in organizational change strategies: a case study investigation. International Journal of Quality & Reliability Management, 17(6), 614-635.

Hislop, D (2003). The complex relations between communities of practice and the implementation of technological innovations. International Journal of Innovation Management, 7(2), 163-188.

Hitt, LM and FX Frei (2002). Do Better Customers Utilize Electronic Distribution Channels? The Case of PC Banking. Management Science, 48(6), 732-748.

Hogan, W (1999). The future of banking: A survey. Economic Record, 75(231), 417-427.

Homann, U, M Rill and A Wimmer (2004). Flexible Value Structures IN BANKING. Communications of the ACM, 47(5), 34-36.

Howcroft, B (1998). The dynamics of change innovation and risk in corporate wholesale finance. European Journal of Innovation Management, 1(2), 85-93.

Howcroft, B and A Ataullah (2006). Total Factor Productivity Change: An Examination of the Commercial Banking Industry in India and Pakistan. Service Industries Journal, 26(2), 189-202.

Huang, J, E Makoju, S Newell and RD Galliers (2003). Opportunities to learn from 'failure' with electronic commerce: a case study of electronic banking. Journal of Information Technology, 18(1), 17-26.

Hughes, T (2003). Marketing Challenges in E-Banking: Standalone or Integrated?. Journal of Marketing Management, 19(9/10), 1067-1085.

Hull, F (2003). Simultaneous Involvement in Service Product Development: A Strategic Contingency Approach. International Journal of Innovation Management, 7(3), 339-370.

Hunter, LW, A Bernhardt, KL Hughes and E Skuratowicz (2001). It's Not Just the ATMs: Technology, Firm Strategies, Jobs, and Earnings in Retail Banking. Industrial and Labor Relations Review, 54(2A), 402-424.

Hurmelinna-Laukkanen, P. and Puumalainen, K. (2007), "The nature and dynamics of
appropriability - strategies for appropriating returns on innovation", R&D Management,
37(2), 95-112.

Hutchinson, D and M Warren (2003). Security for Internet banking: a framework. Logistics Information Management, 16(1), 64-73.

Hway-Boon, O and CM Yu (2003). Success factors in e-channels: the Malaysian banking scenario. International Journal of Bank Marketing, 21(6/7), 369-377.

Jacobs, CD and LTh Heracleous (2005). Answers for questions to come: reflective dialogue as an enabler of strategic innovation. Journal of Organizational Change Management, 18(4), 338-352.

Jaruwachirathanakul, B and D Fink (2005). Internet banking adoption strategies for a developing country: the case of Thailand. Internet Research, 15(3), 295-311.

Jawahitha, S, NR Ab Hamid and MMM Ishak (2003). Internet Banking: A Comparative Analysis of Legal and Regulatory Framework in Malaysia. Arab Law Quarterly, 18(3/4), 291-308.

Jayawardhena, C and P Foley (2000). Changes in the banking sector - the case of Internet banking in the UK. Internet Research, 10(1), 19-31.

Jenkins, H (2007). Adopting internet banking services in a small island state: assurance of bank service quality. Managing Service Quality, 17(5), 523-537.

Johne, A (1999). Successful market innovation. European Journal of Innovation Management, 2(1), 6-11.

Johne, A and P Harborne (2003). One Leader is Not Enough for Major New Service Development: Results of a Consumer Banking Study. Service Industries Journal, 23(3), 22-39.

Kahn, M and L Hounwanou (2008). Research and development in the services sector of an emerging economy: the case of South Africa. Science & Public Policy (SPP), 35(7), 515-526.

Kamery, RH and ST Pitts (2002). Innovations in bank service marketing or how to market a bank. Journal of Commercial Banking and Finance, 1, 53-63.

Karbhari, Y, K Naser and Z Shahin (2004). Problems and Challenges Facing the Islamic Banking System in the West: The Case of the UK. Thunderbird International Business Review, 46(5), 521-543.

Karjaluoto, H, M Mattila and T Pento (2002). Factors underlying attitude formation towards online banking in Finland. International Journal of Bank Marketing, 20(6), 261-272.

Kaynak, E and TD Harcar (2005). American consumers' attitudes towards commercial banks: A comparison of local and national bank customers by use of geo-demographic segmentation. International Journal of Bank Marketing, 23(1), 73-89.

Kelly, D and C Storey (2000). New service development: initiation strategies. International Journal of Service Industry Management, 11(1), 45-62.

Khalfan, AM and A Alshawaf (2004). Adoption and Implementation Problems of E-Banking: A Study of the Managerial Perspective of the Banking Industry in Oman. Journal of Global Information Technology Management, 7(1), 47-64.

Khan, MM (2008). Main features of the interest-free banking movement in Pakistan (1980-2006). Managerial Finance, 34(9), 660-674.

Khan, MM and MI Bhatti (2006). Why interest-free banking and finance movement failed in Pakistan. Humanomics, 22(3), 145-161.

Khong, KW and S Richardson (2003). Business process re-engineering in Malaysian banks and finance companies. Managing Service Quality, 13(1), 54-71.

Knights, D and D McCabe (1998). When "life is but a dream": Obliterating politics through business process re-engineering?. Human Relations, 51(6), 761-798.

Kroszner, RS (1999). Can the Financial Markets Privately Regulate Risk?: The Development of Derivatives Clearinghouses and Recent over-the-Counter Innovations. Journal of Money, Credit and Banking, 31(3), 596-618.

Ku¨ng, P and C Hagen (2007). The fruits of Business Process Management: an experience report from a Swiss bank. Business Process Management Journal, 13(4), 477-487.

Laforet, S and X Li (2005). Consumers' attitudes towards online and mobile banking in China. International Journal of Bank Marketing, 23(4/5), 362-380.

Laldin, MA (2008). Islamic financial system: the Malaysian experience and the way forward. Humanomics, 24(3), 217-238.

Lang, JC (2001). Management of intellectual property rights: Strategic patenting. Journal of Intellectual Capital, 2(1), 8-26.

Lassar, WM, C Manolis and SS Lassar (2005). The relationship between consumer innovativeness, personal characteristics, and online banking adoptions. International Journal of Bank Marketing, 23(2), 176-199.

Laukkanen, T (2007). Internet vs mobile banking: comparing customer value perceptions. Business Process Management Journal, 13(6), 788-797.

Laukkanen, T, S Sinkkonen, M Kivijärvi and P Laukkanen (2007). Innovation resistance among mature consumers. Journal of Consumer Marketing, 24(7), 419-427.

Lee, E, K Kwon and D Schumann (2005). Segmenting the non-adopter category in the diffusion of internet banking. International Journal of Bank Marketing, 23(5), 414-437.

Lee, Ej, J Lee and DW Schumann (2002). The Influence of Communication Source and Mode on Consumer Adoption of Technological Innovations. Journal of Consumer Affairs, 36(1), 1-26.

Lee, MSY, PJ McGoldrick, KA Keeling and J Doherty (2003). Using ZMET to explore barriers to the adoption of 3G mobile banking services. International Journal of Retail & Distribution Management, 31(6/7), 340-348.

Lefebvre, PJ (1999). "Digital money" - a view from the European Commission. European Business Review, 99(4), 242-256.

Lehtimaki, A., 1991, "Management of Innovation Process in Small Companies in Finland," IEEE Transactions on Engineering Management, 38(2), pp. 121-126.

Lerner, J (2002). Where Does State Street Lead? A First Look at Finance Patents, 1971 to 2000. Journal of Finance, 57(2), 901-930.

Lerner, J (2006). The new new financial thing: The origins of financial innovations. Journal of Finance Economics, 79, 223-255.

Licht, G and D Moch (1999). Innovation and Information Technology in Services. Canadian Journal of Economics / Revue canadienne d'Economique, 32(2), 363-383.

Lievens, A and RK Moenaert (2000). Communication flows during financial service innovation. European Journal of Marketing, 34(9/10), 1078-1110.

Lievens, A and RK Moenaert (2000a). Project team communication in financial service innovation. Journal of Management Studies, 37(5), 733-766.

Lievens, A and RK Moenaert (2001). Communication flows during financial service innovation. International Journal of Bank Marketing, 19(2), 68-88.

Lievens, A, RK Moenaert and RS Jegers (1999). Linking communication to innovation success in the financial services industry: a case study analysis. International Journal of Service Industry Management, 10(1), 23-47.

Linnarsson, H and A Werr (2004). Overcoming the innovation-alliance paradox: a case study of an explorative alliance. European Journal of Innovation Management, 7(1), 45-55.

Liu, CM (2001). An assessment of banking operation strategies of private banking institutions in the Philippines. Asia Pacific Journal of Marketing and Logistics, 13(1), 57-71.

Loewe, P and G Chen (2007). Changing your company's approach to innovation. Strategy & Leadership, 35(6), 18-26.

Luecke, R., (2003). Managing Creativity and Innovation, Harvard Business School Press, Massachusetts.

Lymperopoulos, C and IE Chaniotakis (2004). Branch employees' perceptions towards implications of e-banking in Greece. International Journal of Retail & Distribution Management, 32(6/7), 302-311.

Mahler, A and E Rogers (1999). The diffusion of interactive communication innovations and the critical mass: the adoption of telecommunications services by German banks. Telecommunications Policy, 23(10/11), 719-740.

Malewicki, D., and Sivakumar, K. (2004), Patents and product development strategies: a model of antecedents and consequences of patent value, European Journal of Innovation Management. 7(1); 5-22.

Mann, BS and R Kohli (2008). An Empirical Analysis of Bank Mergers in India: A Study of Market Driven versus Non-Market Driven Mergers. Decision, 35(1), 47-73.

Markose, S and Y Loke (2003). Network Effects on Cash-Card Substitution in Transactions and Low Interest Rate Regimes. Economic Journal, 113(487), 456-476.

Massa, M (2002). Financial Innovation and Information: The Role of Derivatives When a Market for Information Exists. Review of Financial Studies, 15(3), 927-957.

Matsumoto, H (2005). Global Business Process/IS Outsourcing to Singapore in the Multinational Investment Banking Industry. Journal of Information Technology Case and Application Research, 7(3), 4-24.

Mattila, M (2002). Introducing Existing Financial Services Over New Electronic Channels. International Journal of Innovation Management, 6(4), 431-447.

Mattila, M, H Karjaluoto and T Pento (2003). Internet banking adoption among mature customers: early majority or laggards? Journal of Services Marketing, 17(5), 514-528.

Mavridis, DG (2004). The intellectual capital performance of the Japanese banking sector. Journal of Intellectual Capital, 5(1), 92-115.

McCabe, D (2000). The Swings and Roundabouts of Innovating for Quality in UK Financial Services. Service Industries Journal, 20(4), 1-20.

McCartan-Quinn, D, M Durkin and A O'Donnell (2004). Exploring the Application of IVR: Lessons from Retail Banking. Service Industries Journal, 24(3), 150-168.

Miller, D (2003). An Asymmetry-Based View of Advantage: Towards an Attainable Sustainability. Strategic Management Journal, 24(10), 961-976.

Miller, SR and A Parkhe (2002). Is There a Liability of Foreignness in Global Banking? An Empirical Test of Banks' X-Efficiency. Strategic Management Journal, 23(1), 55-75.

Milne, A (2006). What is in it for us? Network effects and bank payment innovation. Journal of Banking & Finance, 30, 1613-1630.

Mirza, AM and AK Halabi (2003). Islamic Banking in Australia: Challenges and Opportunities. Journal of Muslim Minority Affairs, 23(2), 347-359.

Mols, NP (1999). The Internet and the banks' strategic distribution channel decisions. International Journal of Bank Marketing, 17(6), 295-300.

Mols, NP (2000). The Internet and services marketing - the case of Danish retail banking. Internet Research, 10(1), 7-18.

Mols, N, P Bukh and J Nielsen (1999). Distribution channel strategies in Danish retail banking. International Journal of Retail & Distribution Management, 27(1), 37-47.

Montes, FJL, AR Moreno and LM Molina (2003). An analysis of the relationship between quality and perceived innovation: "the case of financial firms". Industrial Management & Data Systems, 103(8), 579-590.

Morgan, I and J Rao (2003). Making Routine Customer Experiences Fun. Management Review, 45(1), 92-96.

Moutinho, L and PA Phillips (2002). The impact of strategic planning on the competitiveness, performance and effectiveness of bank branches: a neural network analysis. International Journal of Bank Marketing, 20(3), 102-110.

Muller, A., Valikangas, L. and Merlyn, P. (2005), Metrics for innovation: guidelines for developing a customized suite of innovation metrics, Strategy & Leadership, 33(1), 37-45.

Nathan, S and V Ribiere (2007). From knowledge to wisdom: the case of corporate governance in Islamic banking. Journal of Information and Knowledge Management Systems, 37(4), 471-483.

Naude, P, I Blackman and S Dengler (1998). The managerial implications of real-time new product development in financial services. Creativity and Innovation Management, 7(2), 54-61.

Ndubisi, NO and Q Sinti (2006). Consumer attitudes, system's characteristics and Internet banking adoption in Malaysia. Management Research News, 29(1/2), 16-27.

Ngai, E. (2005), Customer relationship management research (1992-2002): an academic literature review and classification, Marketing Intelligence & Planning, 23(6), 582-605.

Ngai, E. (2003), Internet marketing research (1987-2000): a literature review and classification, European Journal of Marketing, 37(1/2), 24-49.

Oke, A (2007). Innovation types and innovation management practices in service companies. International Journal of Operations & Production Management, 27(6), 564-587.

Oke, A. and Goffin, K. (2001), "Innovation management in the service sector", Management Focus, Summer issue.

Ozeke, HB (2008). Outsourcing of Banking Activities. International Financial Law Review, 1.

Pass, MW (2006). Western US college students: Banking preferences and marketplace performance. Journal of Financial Services Marketing, 11(1), 49-63.

Patricio, L, RP Fisk and JF e Cunha (2003). Improving satisfaction with bank service offerings: measuring the contribution of each delivery channel. Managing Service Quality, 13(6), 471-482.

Pennathur, A (2001). "Clicks and bricks": e-Risk Management for banks in the age of the Internet. Journal of Banking & Finance, 25(11), 2103-2123.

Pettijohn, CE, LS Pettijohn and JB Pettijohn (2004). Supermarket branch banks and traditional banks: An evaluation of differences in employees' attitudes regarding product offerings, job satisfaction and turnover. Journal of Financial Services Marketing, 9(1), 11-21.

Pikkarainen, K, T Pikkarainen, H Karjaluoto and S Pahnila (2006). The measurement of end-user computing satisfaction of online banking services: empirical evidence from Finland. International Journal of Bank Marketing, 24(3), 158-172.

Polatoglu, VN and S Ekin (2001). An empirical investigation of the Turkish consumers' acceptance of Internet banking services. International Journal of Bank Marketing, 19(4), 155-165.

Poon, WC (2008). Users' adoption of e-banking services: the Malaysian perspective. Journal of Business & Industrial Marketing, 23(1), 59-69.

Qin, F and Y Liu (2008). Does foreign strategic investment transfer management knowledge to local Chinese banks?. Chinese Management Studies, 2(2), 142-152.

Qureshi, TM, MK Zafar and MB Khan (2008). Customer Acceptance of Online Banking in Developing Economies. Journal of Internet Banking and Commerce, 13(1), 1-9.

Rabe, CB (2006). How leaders use Zero-Gravity Thinkers to stimulate innovation. Strategy & Leadership, 34(6), 38-43.

Rai, AS and T Sjöström (2004). Is Grameen Lending Efficient? Repayment Incentives and Insurance in Village Economies. Review of Economic Studies, 71(1), 217-234.

Rao, H and R Drazin (2002). Overcoming Resource Constraints on Product Innovation by Recruiting Talent from Rivals: A Study of the Mutual Fund Industry, 1986-94. Academy of Management Journal, 45(3), 491-507.

Ravi, V, M Carr and N Sagar (2006). Profiling of Internet banking users in India using intelligent techniques. Journal of Services Research, 6(2), 61-73.

Rees, M (2001). Electronic bill presentment and payment - a major new organisational resource. British Journal of Administrative Management, 25, 14-15.

Rexha, N, RPJ Kingshott and AS Shang Aw (2003). The impact of the relational plan on adoption of electronic banking. Journal of Services Marketing, 17(1), 53-67.

Richard, O, A McMillan, K Chadwick and S Dwyer (2003). Employing an innovation strategy in racially diverse workforces: Effects on firm performance. Group & Organization Management, 28(1), 107-126.

Riivari, J (2005). Mobile banking: A powerful new marketing and CRM tool for financial services companies all over Europe. Journal of Financial Services Marketing, 10(1), 11-20.

Roberts, PW and R Amit (2003). The Dynamics of Innovative Activity and Competitive Advantage: The Case of Australian Retail Banking, 1981 to 1995. Organization Science, 14(2), 107-122.

Rosly, SA and MA Abu Bakar (2003). Performance of Islamic and mainstream banks in Malaysia. International Journal of Social Economics, 30(12), 1246-1265.

Rotchanakitumnuai, S and M Speece (2003). Barriers to Internet banking adoption: a qualitative study among corporate customers in Thailand. International Journal of Bank Marketing, 21(6/7), 312-323

Routray, S, AM Sherry and BVR Reddy (2008). Wireless ATM: A Technological Framework to m-banking. Journal of Internet Banking and Commerce, 13(1), 1-10.

Rugimbana, R (2007). Youth based segmentation in the Malaysian retail banking sector: The relationship between values and personal e-banking service preferences. International Journal of Bank Marketing, 25(1), 6-21.

Salmador, MP and E Bueno (2007). Knowledge creation in strategy-making: implications for theory and practice. European Journal of Innovation Management, 10(3), 367-390.

Salmen, SM and A Muir (2003). Electronic customer care: The innovative path to e-loyalty. Journal of Financial Services Marketing, 8(2), 133-144.

Sampler, JL (1998). Redefining Industry Structure for the Information Age. Strategic Management Journal, 19(4), 343-355.

Sarkar, PD, SS Yadav and DK Banwet (2001). Emergence of Flexible Distribution Channels for Financial Products: Electronic Banking as a Competitive Strategy for Banks in India. Global Journal of Flexible Systems Management, 2(3), 29-38

Sathye, M (1999). Adoption of Internet banking by Australian consumers: an empirical investigation. International Journal of Bank Marketing, 17(7), 324-334.

Sayar, C and S Wolfe (2007). Internet banking market performance: Turkey versus the UK. International Journal of Bank Marketing, 25(3), 122-141.

Schroth, E (2006). Innovation, Differentiation, and the Choice of an Underwriter: Evidence from Equity-Linked Securities. Review of Financial Studies. 19(3), 1041-1080.

Sciulli, LM (1998). How organizational structure influences success in various types of innovations. Journal of Retail Banking Services, 20(1), 13.

Seibel, HD (2008). Islamic Microfinance in Indonesia: The Challenge of Institutional Diversity, Regulation, and Supervision. Journal of Social Issues in Southeast Asia, 23(1), 86-103.

Shin, N and DF Jemella (2002). Business process reengineering and performance improvement: The case of Chase Manhattan Bank. Business Process Management Journal, 8(4), 351-363.

Simonetti, R, M Wuyts and A Wuyts-Fivawo (2007). Banking on Rural Innovation for Poverty Reduction: A Case Study of Value-chain Lending in Mozambique. European Journal of Development Research, 19(1), 136-155.

Singer, D, A Avery and B Baradwaj (2008). Management innovation and cultural adaptivity in international online banking. Management Research News, 31(4), 258-272.

Slattery, DJ and JG Nellis (2005). Product development in UK retail banking: Developing a market-oriented approach in a rapidly changing regulatory environment. International Journal of Bank Marketing, 23(1), 90-106.

Smith, A and M Fischbacher (2005). New service development: a stakeholder perspective. European Journal of Marketing, 39(9/10), 1025-1048.

Solomon, E (1999). What should regulators do about consolidation and electronic money?. Journal of Banking & Finance, 23, 645-653.

Srivatsa, H and R Srinivasan (2008). New age youth banking behavior: an explorative study in the Indian banking sector. Journal of Services Research, 8(2), 53-71.

Stanford, CS (2003). Business Method Patents and Financial Services. Economic Review - Federal Reserve Bank of Atlanta, 88(4), V-VII.

Stevens, E and S Dimitriadis (2005). Learning during developing and implementing new bank offerings. International Journal of Bank Marketing, 23(1), 54-72.

Stevens, E and S Dimitriadis (2005). Managing the new service development process: towards a systemic model. European Journal of Marketing, 39(1/2), 175-198.

Strieter, J, AK Gupta, SP Raj and D Wilemon (1999). Product management and the marketing of financial services. International Journal of Bank Marketing, 17(7), 342-354.

Sufian, F (2007). The efficiency of Islamic banking industry in Malaysia: Foreign vs domestic banks. Humanomics, 23(2), 174-192.

Suhaimi, MA, H Hussin and M Mustaffa (2007). Information systems outsourcing: Motivations and the implementation strategy in a Malaysian bank. Business Process Management Journal, 13(5), 644-661.

Sumita, T (2008). Intellectual assets based management for innovation: Lessons from experiences in Japan. Journal of Intellectual Capital, 9(2), 206-227.

Sundbo, J (1999). Empowerment of employees in small and medium-sized service firms. Employee Relations, 21(2), 105-127.

Suoranta, M and M Mattila (2004). Mobile banking and consumer behaviour: New insights into the diffusion pattern. Journal of Financial Services Marketing, 8(4), 354-366.

Sureshchandar, GS, C Rajendran and RN Anantharaman (2001). A holistic model for total quality service. International Journal of Service Industry Management, 12(3/4), 378-411.

Swan, J, S Newell, H Scarbrough and D Hislop (1999). Knowledge management and innovation: networks and networking. Journal of Knowledge Management, 3(4), 262-275.

Symonds, M, T Wright and J Ott (2007). The customer-led bank: how to retain customers and boost top-line growth. Journal of Business Strategy, 28(6), 4-12.

Thomke, S (2003). R&D Comes to Services. Harvard Business Review, 81(4), 70-79.

Tucker, RB (2003). Innovation and growth: Ideas from those in the vanguard of innovation. Strategic Direction, 19(4), 29-31.

Uchupalanan, K (2000). Competition and IT based innovation in banking services. International Journal of Innovation Management, 4(4), 455-489.

ul-Haq, R and B Howcroft (2007). An examination of strategic alliances and the origins of international banking in Europe. International Journal of Service Industry Management, 18(2), 120-139.

Venkatraman, S and I Delpachitra (2008). Biometrics in banking security: a case study. Information Management & Computer Security, 16(4), 415-430.

Vermeulen, P (2004). Managing Product Innovation in Financial Services Firms. European Management Journal, 22(1), 43-50.

Villas-Boas, JM and U Schmidt-Mohr (1999). Oligopoly with asymmetric information: Differentiation in credit markets. RAND Journal of Economics, 30(3), 375-396.

Waite, K and T Harrison (2004). Online banking information: what we want and what we get. Qualitative Market Research, 7(1), 67-79.

Wang, RY, YW Lee, LL Pipino and DM Strong (1998). Manage Your Information as a Product. Management Review, 39(4), 95-105.

Wang, YS, YM Wang, HH Lin and TI Tang (2003). Determinants of user acceptance of Internet banking: an empirical study. International Journal of Service Industry Management, 14(5), 501-519.

Wilson, R (2008). Innovation in the structuring of Islamic sukuk securities. Humanomics, 24(3), 170-181.

Wisner, JD and WJ Corney (2001). Comparing practices for capturing bank customer feedback - Internet versus traditional banking. Benchmarking: An International Journal, 8(3), 240-250.

Wisskirchen, C, D Vater, T Wright, P De Backer and C Detrick (2006). The customer-led bank: converting customers from defectors into fans. Strategy & Leadership, 34(2), 10-20.

Wonglimpiyarat, J (2007). E-Payment Strategies of Bank Card Innovations. Journal of Internet Banking and Commerce, 12(3), 1-17.

Woodger, C (2008). Building financial brands: the Russian way. International Journal of Bank Marketing, 26(4), 275-280.

Wullenweber, K, D Beimborn and T Weitzel (2008). The impact of process standardization on business process outsourcing success. Information System Front, 10, 211-224.

Yakhlef, A (2001). Does the Internet compete with or complement bricks-and-mortar bank branches?. International Journal of Retail & Distribution Management, 29(6), 272-281.

Yousafzai, SY, JG Pallister and GR Foxall (2003). A proposed model of e-trust for electronic banking. Technovation, 23, 847-860.

Zakaria, R and A Ismail (2008). Does Islamic banks' securitization involvement restrain their financing activity?. Humanomics, 24(2), 95-109.

Zhao, F. (2005). Exploring the synergy between entrepreneurship and innovation, International Journal of Entrepreneurial Behaviour & Research, (11) 1, 25-41.

Zineldin, M (2002). Managing in the @ age: Banking service quality and strategic positioning. Measuring Business Excellence, 6(4), 38-43.

Zineldin, M (2005). Quality and customer relationship management (CRM) as competitive strategy in the Swedish banking industry. TQM Magazine, 17(4), 329-344.