Strategic benchmarking:

American Productivity and Quality Center (1992), Planning, Organizing and Managing Benchmarking: A Users′ Guide, Houston, TX. Bantel, K.A. and Jackson, S.E. (1989), “Top management and innovation in banking: does the composition of the top team make a difference?”, Strategic Management Journal, Vol. 10, special issue, summer 1989, pp. 107‐24. Barras, R. (1990), “Interactive innovation in financial and business services: the vanguard of the service revolution”, Research Policy, Vol. 19, pp. 215‐37. Booz, Allen & Hamilton (1982), New Products Management for the 1980s, Booz, Allen & Hamilton Inc., New York, NY. Bowers, M.R. (1986), “The new product development process: a suggested model for banks ”, Journal of Retail Banking, Vol. 8, pp. 19‐24. Bradley, S.P., Hausman, J.A. and Nolan, R.L. (1993), Globalization, Technology and Competition, Harvard Business School Press, Cambridge, MA. Brooks, N.A.L. (1987), “Strategic issues for financial services marketing”, International Journal of Bank Marketing, Vol. 5No. 2, pp. 5‐19. Canals, J. (1993), Competitive Strategies in European Banking, Oxford, New York, NY. Carey, T.P.A. (1989), “Strategy formulation by banks”, International Journal of Bank Marketing, Vol. 7 No. 3, pp. 4‐7. Channon, D.F. (1986), Bank Strategic Management and Marketing, Wiley, Chichester. Cooper, R.G. (1984), “The performance impact of product innovation”, European Journal of Marketing, Vol. 18, pp. 1‐54. Cooper, R.G. (1994), “Third generation new product processes”, Journal of Product Innovation Management, Vol. 11 No. 1, pp. 3‐14. Cooper, R.G. and de Brentani, U. ( 1991), “New industrial financial services: what distinguishes the winners”, Journal of Product Innovation Management, Vol. 8, pp. 75‐90. Davison, H., Watkins, T. and Wright, M. (1989), “Developing new personal financial products – some evidence of the role of market research”, International Journal of Bank Marketing, Vol. 7 No. 1, pp. 8‐15. de Brentani, U. (1993), “The new product process in financial services: strategy for success”, International Journal of Bank Marketing, Vol. 11 No. 3, pp. 15‐22. Donnelly, J.H., Berry, L.L. and Thompson, T.W. (1985), Marketing Financial Services, Dow Jones‐Irwin, Homewood, IL. Easingwood, C.J. (1986), “New product development for service companies”, Journal of Product Innovation Management, Vol. 4, pp. 264‐75. Easingwood, C.J. and Arnott, D. (1991), “Management of financial services marketing: issues and perceptions”, International Journal of Bank Marketing, Vol. 9 No. 6, pp. 3‐12. Easingwood, C.J. and Mahajan, V. ( 1989), “Positioning of financial services for competitive advantage”, Journal of Product Innovation Management, Vol. 6, pp. 207‐19. Easingwood, C.J. and Percival, J. ( 1990), “Evaluation of new financial services ”, International Journal of Bank Marketing, Vol. 8 No. 6, pp. 3‐8. Easingwood, C.J. and Storey, C. (1991), “Success factors for new consumer financial services”, International Journal of Bank Marketing , Vol. 9 No. 1, pp. 3‐10. Edgett, S. (1993), “Developing new financial services within UK building societies ”, International Journal of Bank Marketing, Vol. 11 No. 3, pp. 35‐43. Ennew, C.T. and Wright, M. (1990), “Retail banks and organizational change: evidence from the UK”, International Journal of Bank Marketing, Vol. 8 No. 1, pp. 4‐9. Griffin, A. and Page, A.L. (1993), “An interim report on measuring product development success and failure”, Journal of Product Innovation Management, Vol. 10 No. 4, pp. 291‐308. Hammer, M. and Champy, C. (1993), Re‐engineering the Corporation: A Manifesto for Business Revolution, Harper & Row, New York, NY. Harris, S.E. and Katz, J.L. (1991), “Organizational performance and information technology investment intensity in the insurance industry”, Organization Science, Vol. 2 No. 3, pp. 263‐95. Johne, A. (1993), “Insurance product development: managing the changes”, International Journal of Bank Marketing, Vol. 11 No. 3, pp. 5‐14. Johne, A. and Harborne, P. (1985), “How large commercial banks manage product innovation”, International Journal of Bank Marketing, Vol. 3 No. 1, pp. 54‐70. Johne, A. and Snelson, P.A. (1988), “Success factors in product innovation: a selective review of the literature”, Journal of Product Innovation Management, Vol. 5, pp. 114‐28 . Johne, A. and Vermaak, L. (1993), “Head office development in financial product development”, International Journal of Bank Marketing, Vol. 11 No. 3, pp. 28‐37. Mohammed‐Salleh, A. and Easingwood, C. (1993), “Why European financial institutions do not test‐market new consumer products”, International Journal of Bank Marketing, Vol. 11 No. 3, pp. 23‐27. Page, A.L. (1993), “Assessing new product development practices and performance: establishing crucial norms”, Journal of Product Innovation Management, Vol. 10 No. 4, pp. 273‐90. Peters, T.J. (1987), Thriving on Chaos, Harper & Row, New York, NY. Peters, T.J. and Waterman, R.H. (1982), In Search of Excellence: Lessons from America′s Best Run Companies, Harper & Row, New York, NY . Prahalad, C.K. and Hamel, G. (1990), “The core competence of the corporation ”, Harvard Business Review, Vol. 68 No. 3, pp. 79‐91. Reidenbach, E. and Moak, D. (1986), “Exploring retail bank performance and new product development: a profile of industry practices”, Journal of Product Innovation Management, Vol. 3, pp. 187‐94. Scheung, E.E. and Johnson, E.M. (1989), “New product development and management in financial institutions”, International Journal of Bank Marketing, Vol. 7 No. 2, pp. 17‐21. Scott Morton, M.S. (1991), The Corporation of the 1990s: Information Technology and Organizational Transformation, Oxford University Press, New York, NY. Steiner, G.A. (1979), Strategic Planning, The Free Press, New York, NY. Teixeira, D.B. and Schmergel, G. ( 1992), The Emergence of the Virtual Bank, Ernst & Young, Center for Information Technology and Strategy, Boston, MA. Thwaites, D. (1992), “Organizational influences on the new product development process in financial services”, Journal of Product Innovation Management, Vol. 9, pp. 303‐13.