@article{article, title  = {{Schumpeterian competition and efficiency among commercial banks}},

 publisher = {{Elsevier}},

 url = {{https://eprints.whiterose.ac.uk/id/eprint/91889 http://dx.doi.org/10.1016/j.jbankfin.2013.07.003 }},

 year = {{2013}},

 month = {{12}},

 author = {{Duygun M and Sena V and Shaban M}},

 doi = {{10.1016/j.jbankfin.2013.07.003}},

 volume = {{37}},

 journal = {{Journal of Banking and Finance}},

 issue = {{12}},

 pages = {{5176-5185}},

 note = {{Accessed on 2025/12/01}}}