Fernando Alberto Freitas Ferreira, Pedro Manuel Mendonça Silva Cravo. Technological progress: an important variable in the portuguese banking system structure reform?. In Pedro T. Isaías, Nitya Karmakar, Luís Rodrigues, Patrícia Barbosa, editors, Proceedings of the IADIS International Conference WWW/Internet 2004, Madrid, Spain, 2 Volumes. pages 1139-1142, IADIS, 2004.
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