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• 2005The dynamics of technological change in UK retail banking services: An evolutionary perspective120 cited
• 2006The Financialization of the American Credit Card Industry110 cited
• 2006A theory of credit cards98 cited
• 1995Planning for dominance: a strategic perspective on the emergence of a dominant design94 cited
• 2002Consumers’ Use of Credit Cards: Store Credit Card Usage as an Alternative Payment and Financing Medium92 cited
• 2003An Introduction to the Economics of Payment Card Networks81 cited
• 2018Consumer Credit in Comparative Perspective78 cited
• 1993Assessing the riskiness and profitability of credit-card banks75 cited
• 2010A Brief Postwar History of U.S. Consumer Finance74 cited
• 2010The role of ratings in the subprime mortgage crisis: The art of corporate and the science of consumer credit rating66 cited
• 2012Origins and development of SWIFT, 1973–200961 cited
• 2006Families' Use of Payment Instruments During a Decade of Change in the U.S. Payment System60 cited
• 2000Corporate Power and the Evolution of Consumer Credit60 cited
• 2003A Guide to the ATM and Debit Card Industry57 cited