Tomkin, N.

banking service nancial country european change sector france landscape renewal fi ve countries diffusion italy merger development netherland range planning market activity range fi rst management acquisition company insurance table pattern force sweden industry privatisation process planning internet capital network mover product telephone regulation strategy fi nancial activities europe van den bosch indicator internet banking introduction system fi rms credit business renewal centre speed capital fl ows technology erasmus university rotterdam fi nancial services impact insurance activities fi ndings exhibit deregulation customer intesa interest research competition socgen centre figure example asset branchles article directive government player erasmu period fi rst mover