References:

1. ‘European Retail Banking Technology Business Update H1 2008’,Datamonitor
2. ‘Financial Crisis- World Round Up’, http:// news.bbc.co.uk/1/hi/business/7654647.stm, BBC News, October 2008
3. Financial Times
4. The Banker
5. ‘Europe Banks: The silent (r)evolution’, Deutsche Bank Research, April 2008
6. ‘European Banking Consolidation’, PricewaterhouseCoopers, April 2006
7. Wikipedia
8. EFMA
9. CIA-The World Factbook
10. CapGemini (2008) World Retail Banking Report
11. ‘The German Banking Sector: Competition, Consolidation and Contentment’, Hamburg University of Technology, August 2006
12. ‘European retail banking: Will there ever be a single market?’, Centre for European Reform, December 2007
13. Association of North Rhine-Westphalian Banks, January 2007
14. ‘ING-DiBa : Executing Our Strategy’, ING, September 2008
15. ‘Evaluating the German bank merger wave’, Deutsche Bundesbank, December 2005
16. Forrester Research
17. Association of German Banks

Rekha Menon
Research and Contributing Editor
FinacleConnect