"Empirically Testing Some Major Factors for Bank Innovation Success", co-authored with B. Brandon and E. Guimaraes in the Journal of Performance Management, Vol. 22, No. 3, 2010.
"Empirically Assessing the Impact of BPR on Banking Firms", co-authored with B. Brandon, published in the Journal of Bank Cost & Management Accounting, Vol. 12, No. 2, 1999.