@article{SchwarzeHackethalWahrenburg2005,
  author    = {Felix Schwarze and Andreas Hackethal and Mark Wahrenburg},
  title     = {At which point should banks divide between sales and back office in the SME credit business?},
  journal   = {EFL quarterly : an E-Finance Lab publication},
  volume    = {2005},
  number    = {1},
  pages     = {8 -- 9},
  year      = {2005},
}