A paper in J of Banking and Finance, Demand estimation and consumer welfare in the banking industry

http://www.sciencedirect.com/science?_ob=ArticleURL&_udi=B6VCY-4RC2S0F-8&_user=525223&_coverDate=08%2F31%2F2008&_rdoc=1&_fmt=high&_orig=search&_sort=d&_docanchor=&view=c&_rerunOrigin=scholar.google&_acct=C000026389&_version=1&_urlVersion=0&_userid=525223&md5=e82cadd9c2be8ca39da1b93d05cb32a8

Thanks.