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"Process variation as a determinant of bank performance: Evidence from the retail banking industry", Management Science
Andrew J. Leone, Frances Frei, Ravi Kalakota, L. Marx
Leone, Andrew J., Frances Frei, Ravi Kalakota, and L. Marx. 1999. "Process variation as a determinant of bank performance: Evidence from the retail banking industry". Management Science. 45(9): 1210-1220.
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