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Gardener, Edward; Howcroft, Barry; Williams, Jonathan - In: The service industries journal 19 (1999) 2, pp. 83-100

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Williams, Jonathan - In: Journal of payments strategy & systems 6 (2012/13) 3, pp. 276-282

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Williams, Jonathan - In: Journal of payments strategy & systems 1 (2006/07) 4, pp. 331-341

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Alsahlawi, Khalid Abdul Aziz; Gardener, Edward - In: The service industries journal 24 (2004) 5, pp. 71-90

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Gardener, Edward; Molyneux, Philip - In: Cahiers BEI 2 (1997) 1, pp. 15-32

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Gardener, Edward; Molyneux, Philip; Nguyen-Linh, Hoai - In: The service industries journal 31 (2011) 16, pp. 2693-2720

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Altunbas, Yener; Carbo, Santiago; Gardener, Edward - In: Applied financial economics 10 (2000) 5, pp. 507-518

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Williams, Jonathan; Liao, Angel - In: Comparative economic studies 50 (2008) 2, pp. 274-296

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Williams, Jonathan; Nguyen, Nghia - In: Journal of banking & finance 29 (2005) 8, pp. 2119-2154

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