The terms "large" and "small" are somewhat arbitrary. For this survey they are distinguished from each other because many large international banks have a direct or indirect ownership stake in some of the online services being examined in this survey (for example an interest in Bolero via a stake in SWIFT). This could mean that the cost structure for large banks is different to that of smaller banks which need to obtain access to some online services via their large competitors.
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Inquiries should be directed to:
Mark Dixon,
mdixon@ecel.uwa.edu.au,
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