Berger, Allen N. and Loretta J. Mester. 1999. "What Explains the Dramatic Changes in Cost and Profit Performance of the U.S. Banking industry?" Wharton Financial Institutions Center Working Paper 99-10.

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The Determinants Of Success In the New Financial Services.. - Santomero, al. (1993)   (Correct)

....appear real. The expanded product array and potential for cross selling suggests real revenue benefits result from larger size and depth of product offering. In fact, recent work suggests that this increased revenue potential accounts for a substantial portion of performance increases for US banks (Berger and Mester, 1999). Beyond direct operating efficiency, it is often argued by bankers that larger universal banks will benefit from financial modernization is that the new financial services firms will be more innovative and offer new solutions to broad customer needs. Steinherr discusses this process, as opposed ....

Berger, Allen N. and Loretta J. Mester. 1999. "What Explains the Dramatic Changes in Cost and Profit Performance of the U.S. Banking industry?" Wharton Financial Institutions Center Working Paper 99-10.

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