Abbas, S. S., B. Mehmood, S. F. Abbas and S. A. Sair (2015), Quality of branchless banking service in Lahore city: Application of SERVEQUAL model. Science International (Lahore), Volume 27(2), pp. 1487-1491.

Adeoti, J. O. (2005), Information technology investment in Nigerian manufacturing industry: The progress so far. Selected papers for the 2004 Annual Conference, Ibadan: Nigerian Economic Society, pp. 213-244.

Agboola, A. (2007), Information and communication technology in banking operations in Nigeria: An evaluation of recent experiences. African Journal of Public Administration and Management, Volume 18(1), pp. 1-14.

Anayasi, F. I. and P. A. Otubu (2009), Mobile phone technology in banking system: Its economic effect. Research Journal of Information Technology, Volume 1(1), pp. 1-5.

Banker, R. D. and R. J. Kauffman (1988), Strategic contributions of information technology: An empirical study of ATM networks. Information Systems Working Papers Series # IS-88-25, pp. 1-25.

Berger, A. N. and D. B. Humphrey (1992), Measurement and efficiency issues in commercial banking. In Output Measurement in the Service Sectors, pp. 245-300. University of Chicago Press.

Berger, A. N., G. A. Hanweck and D. B. Humphrey (1987), Competitive viability in banking: Scale, scope, and product mix economies. Journal of Monetary Economics, Volume 20(3), pp. 501-520.
http://dx.doi.org/10.1016/0304-3932(87)90039-0

Berndt, E. (1991), The Practice of Econometrics: Classic and Contemporary. Addison-Wesley Reading, MA.

Cadavez, V. A. P. and A. Henningsen (2012), The use of seemingly unrelated regression to predict the carcass composition of lambs. Meat Science, Volume 92(4), pp. 548-553.         
http://dx.doi.org/10.1016/j.meatsci.2012.05.025

Christensen, L. R., D. W. Jorgenson and L. J. Lau (1973), Transcendental logarithmic production frontiers. The Review of Economics and Statistics, Volume 55(1), pp. 28-45. http://dx.doi.org/10.2307/1927992

Coelli, T., D. S. P. Rao and G. E. Battese (1998), An Introduction to Efficiency and Productivity Analysis. Norwell, MA: Kluwer Academic Publishers.

Dar, N. A. (2012), Awareness of electronic banking in Pakistan. Proceedings of 2^nd International Conference on Business Management.

Escuer, M. E., Y. P. Redondo and V. S. Fumás (1991), Market structure and the adoption of innovations: The case of the Spanish banking sector. Economics of Innovation and New Technology, Volume 1(4), pp. 295-307.    
http://dx.doi.org/10.1080/10438599100000009

Gordon, R. J. (2000), Does the “new economy” measure up to the great inventions of the past? Journal of Economic Perspective, Volume 14(4), pp. 49-74.           
http://dx.doi.org/10.1257/jep.14.4.49

Hall, B. H. and B. Khan (2003), Adoption of new technology. National Bureau of Economic Research Working Paper # 9730, pp. 1-19.  
http://dx.doi.org/10.3386/w9730

Hannan, T. H. and J. M. McDowell (1984), The determinants of technology adoption: The case of the banking firm. The RAND Journal of Economics, Volume 15(3), pp. 328-335.     
http://www.jstor.org/stable/2555441

Harold, B. and L. Jeff (1995), Don’t let technology pass you by. ABA Banking Journal, Box 986, Omaha, NE, Volume 73.

Hester, D. D., G. Calcagnini and R. De Bonis (2001), Competition through innovation: ATMs in Italian banks. Rivista Italiana degli Economisti, Volume 6(3), pp. 359-381.

Intriligator, M. D. (1978), Econometric Models, Techniques and Applications. Englewood Cliffs, New Jersey: Prentice-Hall Inc.

Iqbal, F., B. Mehmood and N. Ahmed (2015), Inquiring the existence of Solow’s Paradox in Pakistan’s banking sector: Fixed effect with Driscoll and Kraay standard errors technique. The Journal of Commerce, Volume 7(2), pp. 42-52.

Ishii, J. (2005), Compatibility, competition, and investment in network industries: ATM networks in the banking industry. Unpublished Working Paper.

Khan, A., B. Mehmood and S. A. Sair (2015), Is Pakistan's banking sector production function Cobb-Douglas? Estimates of the elasticity of substitution. Science International (Lahore), Volume 27(3), pp. 2775-2778.

Lee, Sang-Yong Tom, Roghieh Gholami and Tan Yit Tong (2005), Time series analysis in the assessment of ICT impact at the aggregate level – Lessons and implications for the new economy. Information and Management, Volume 42, No. 7, pp. 1009-1022. http://dx.doi.org/10.1016/j.im.2004.11.005

Lichtenberg, F. R. (1995), The output contributions of computer equipment and personnel: A firm-level analysis. Economics of Innovation and New Technology, Volume 3(3-4), pp. 201-218.   
http://dx.doi.org/10.1080/10438599500000003

Loveman, G. W. (1994), An assessment of the productivity impact of information technologies. Allen, Ts J. Y. Scott Morton, M. S, pp. 84-110.

Mehmood, B. (2014), An Inquiry into Solow’s Paradox: Case of Knowledge Economies in Asia with Emphasis on Complementary Factors and Further Corollaries. Unpublished doctoral dissertation, GC University, Faisalabad, Pakistan.

Mehmood, B., A. Shafique and R. Rafaqat (2014), Is Solow’s Paradox absent in world leading capital markets? Econometric evidence. Romanian Economic Journal, Issue 52(Year XVII), pp. 45-62.

Mehmood, B., H. Rehman and S. H. H. Rizvi (2014), From information society to knowledge society: The Asian perspective. Pakistan Journal of Information Management and Libraries, Volume 15(1), pp. 37-46.

Mehmood, B., P. Azim and N. Asghar (2013), Demographic and welfare related covariates of macroeconomic performance in a digital age in Asia. Pakistan Economic and Social Review, Volume 51(2), pp. 139-158.

Muhammad, A., N. M. Gatawa and H. S. B. Kebbi (2013), Impact of information and communication technology on bank performance: A study of selected commercial banks in Nigeria (2001-2011). European Scientific Journal, Volume 9(7), pp. 213-238.

Mustafa, S. and B. Mehmood (2015), Efficiency change in Pakistan commercial banking sector: A pre and post digital-restructuring analysis. Journal of Emerging Economies and Islamic Research (JEEIR), Volume 3(1), pp. 1-12.

Osabuohien, E. S. C. (2008), ICT and Nigerian banks reforms: Analysis of anticipated impacts in selected banks. Global Journal of Business Research, Volume 2(2), pp. 67-76.

Ovia, J. (2005), Enhancing the efficiency of the Nigerian payments system. Abuja Central Bank of Nigeria, Volume 29(1), pp. 8-20.

Pennings, J. M. and F. Harianto (1992), The diffusion of technological innovation in the commercial banking industry. Strategic Management Journal, Volume 13(1), pp. 29-46.      
http://dx.doi.org/10.1002/smj.4250130104

Polatoglu, V. N. and S. Ekin (2001), An empirical investigation of the Turkish consumers’ acceptance of Internet banking services. International Journal of Bank Marketing, Volume 19(4), pp. 156-165.          
http://dx.doi.org/10.1108/02652320110392527

Saloner, G. and A. Shepard (1995), Adoption of technologies with network effects: An empirical examination of the adoption of automated teller machines. The RAND Journal of Economics, Volume 26(3), pp. 479-501.    
http://www.jstor.org/stable/2555999

Scholnick, B., N. Massoud, A. Saunders, S. Carbo-Valverde and F. Rodriguez-Fernandez (2008), The economics of credit cards, debit cards and ATMs: A survey and some new evidence. Journal of Banking and Finance, Volume 32(8), pp. 1468-1483.    
http://dx.doi.org/10.1016/j.jbankfin.2007.05.001

Shao, B. B. and W. T. Lin (2002), Technical efficiency analysis of information technology investments: A two-stage empirical investigation. Information and Management, Volume 39(5), pp. 391-401.         
http://dx.doi.org/10.1016/S0378-7206(01)00105-7

State Bank of Pakistan, 2002-2003, Annual Reports, http://www.sbp.org.pk/reports/annual/arFY03/index.htm

Stella, M. I. (2010), Evaluating banking productivity and information technology using the translog production function. International Journal of Engineering Science and Technology, Volume 2(4), pp. 400-408.

Stucka, T. (2002), A comparison of two econometric models (OLS and SUR) for forecasting Croatian tourism arrivals. Croatian National Bank.

Van Biema, M. and B. Greenwald (1997), Managing our way to higher service-sector productivity. Harvard Business Review, Volume 75(4), pp. 87-95.

Woherem, E. W. (2000), Information Technology in the Nigerian Banking Industry. Spectrum Books Ltd.