- "The Role of Interchange Fees in Two-sided Markets: An Empirical Investigation on Payment Cards", Review of Economics and Statistics, vol. 97, forthcoming 2015 (With S. Carbo and S. Chakravorti). 2015.
- "The diffusion pattern of non-cash payments: evidence from China", International Journal of Technology Management, vol. 66, forthcoming (with S. Carbo and M. Qi. 2014.
- "Trade credit, the Financial Crisis and Firms Access to Finance", Journal of Money, Credit and Banking, vol.97 (With S. Carbo and G. Udell). 2015.
- "ATM withdrawals, debit card transactions at the point of sale and the demand for currency", SERIEs, vol. 5, forthcoming. (with S. Carbo). 2015
- "Safety–net benefits conferred on difficult–to–fail–and–unwind banks in the US and EU before and during the great recession", Journal of Banking and Finance, vol. 37,1845–1859. (with S. Carbo and E. Kane). 2013
- "Exploiting Old Customers and Attracting New Ones: the case of Bank Deposit Pricing", European Economic Review, vol. 55, 903–915 (with S. Carbo and T. Hannan) 2011.
- "Regulatory arbitrage in cross-border banking mergers within the EU", Journal of Money, Credit and Banking, vol. 44, 1609–1629. (with S. Carbó and E. Kane) 2012.
- "Bank market power and SME financing constraints, Review of Finance, vol. 13: 309-340 (with S. Carbó and G. Udell), 2009.
- "Evidence of Differences in the Effectiveness of Safety Net Management in European Union Countries", Journal of Financial Services Research, vol. 34: 151-176 (with S. Carbo and and E. Kane), 2008.
"The Economics of Credit Cards, Debit Cards and ATMs: A Survey and Some New Evidence", Journal of Banking and Finance, vol. 32:1468-1483 (with B. Scholnick, N.Massoud, A. Saunders and S. Carbó), 2008.
" The determinants of bank margins in European banking", Journal of Banking and Finance, vol. 31: 2043-2063(with S. Carbó). 2007.
- "Financial Innovations in Banking: impact on regional growth", Regional Studies, vol. 41: 311-326 (with S. Carbó and and R. Lopez). 2007.
- "Operaciones fuera de balance y economías de escala en el sector bancario español", Investigaciones Económicas, vol. XXIX (2): 389-430. (with S. Carbó). 2005.
- "New Evidence of Scope Economies among Lending, Deposit-taking, Loan Commitments and Mutual Fund Activities", Journal of Economics and Business, vol. 57(3):187-207. (with S. Carbó).
- "The Finance-Growth Nexus. A Regional Perspective", European Urban and Regional Studies, vol. 11(4): 339-354. (withS. Carbó). 2004.
- "Bank Deregulation is Better than Mergers", Journal of International Financial Markets, Institutions and Money, vol. 13(5): 429-449. (with S. Carbó and D. Humphrey). 2003
- "Medición de la competencia en los mercados bancarios regionales", Revista de Economía Aplicada, vol. XI (n. 32): 5-33 (with S. Carbo and and F. Rodriguez). 2003.
- "Deregulation, Bank Competition and Regional Growth", Regional Studies, vol. 37(3): 227-237. (with S. Carbó and D. Humphrey). 2003