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	3	Sources list for FREE ESSAYS ON BANK DEREGULATION AND THE EFFECT
	Czyrnik, Kathy, and Linda S. Klein. "Who Benefits from Deregulating the Separation of Banking Activities? Differential Effects on Commercial Bank, Investment Bank, and Thrift Stock Returns." The Financial Reivew 39 (2004): 317-341. Deregulation and Investment Banking Schubert, R. (2003, January). Analyzing and managing risk - an opportunity for banks. News for Banks. UBS. Retrieved January 25, 2005 from Web site: http://66.102.7.104/search?q=cache:98qKN9TAoOYJ:www.u bs.com/1/ShowMedia/bank_for_banks/news/archive%3Fcont Portfolio Risk Management Federal Reserve Bank of New York - Banking Information- E-Banking. On the Internet at www.newyorkfed.org/education/ebanking/print.html E-Banking delivery channels. The Financial Gazette. November 2004. On the Internet at http://www.fingaz.co.zw/fingaz/200 E-Banking Operations Samaad, M. (1999, March 12). Consumers (finally) line up for online banking. Bank Rate Monitor. Retrieved February 25, 2005 from Web site: http://moneycentral.msn.com/articles/banking/basics/3100.asp Banking Technology Samaad, M. (1999, March 12). Consumers (finally) line up for online banking. Bank Rate Monitor. Retrieved February 14, 2005 from Web site: http://moneycentral.msn.com/articles/banking/basics/3100.asp On-Line Banking