Consolidation and internationalization in the financial service sector: the comparative empirical evidenceSõrg, Mart; Uiboupin, Janek; Vensel, VelloPapers of the Estonian-Finnish Joint Seminar on Economic Integration and the European Union Enlargement : 22-23 November 2002, Tallinn2003 / TTUWPE 03/99, p. 151-170 https://artiklid.elnet.ee/record=b1015949*est