@article{GenslerBoehm2005,
  author    = {Sonja Gensler and Martin B{\"o}hm},
  title     = {Channel usage behavior of german retail banking customers},
  journal   = {EFL quarterly : an E-Finance Lab publication},
  volume    = {2005},
  number    = {2},
  pages     = {4 -- 5},
  year      = {2005},
}