@article{MesserschmidtBergerSkiera2009,
  author    = {Christian M. Messerschmidt and Sven C. Berger and Bernd Skiera},
  title     = {Hot or not? Usage of Web 2.0 applications by retail banking customers},
  journal   = {EFL quarterly : an E-Finance Lab publication},
  volume    = {2009},
  number    = {1},
  pages     = {6 -- 8},
  year      = {2009},
}