<?xml version="1.0" encoding="UTF-8"?>
<XML><RECORDS>
<RECORD>
	<REFERENCE_TYPE>0</REFERENCE_TYPE>
	<AUTHORS>
		<AUTHOR>Clemons, Eric K.</AUTHOR>
		<AUTHOR>Hitt, Lorin M.</AUTHOR>
		<AUTHOR>Gu, Bin</AUTHOR>
		<AUTHOR>Thatcher, Matt E.</AUTHOR>
		<AUTHOR>Weber, Bruce W.</AUTHOR>
	</AUTHORS>
	<YEAR>2002</YEAR>
	<TITLE>Impacts of eCommerce and Enhanced Information Endowments on Financial Services:  A Quantitative Analysis of Transparency, Differential Pricing and Disintermediation</TITLE>
	<SECONDARY_TITLE>Journal of Financial Services Research</SECONDARY_TITLE>
	<VOLUME>22</VOLUME>
	<NUMBER>1,2</NUMBER>
	<PAGES>73-90</PAGES>
	<NOTES>Please see journal for fulltext.</NOTES>
</RECORD>
</RECORDS></XML>