跪求这两篇文献，谢谢了！

P. Tufano, First mover advantages in financial innovation, Journal of Financial Economics 3 (1989), pp. 350–370.

Herrera, H., Schroth, E., 2004. Developer's expertise and the dynamics of financial innovation: theory and evidence, FAME-University of Lausanne, Research Paper No. 124, October. Mimeo, ITAM, Mexico D.F.