test (1) changement technologique (1) état (1) secteur des services (1) racine (1) activité bancaire (1) innovation (1) information (1) analyse (1) effet (1) pays développé (1) point (1) expertise (1) Methods (1) Imperfection (1) Value (1) Valuation (1) Transaction costs (1) Technological innovations (1) Process (Law) (1) Performance (1) Payment (1) Manufactures (1) Impact (1) Ciphers (1) Banks and banking (1) Automation (1) Automated tellers (1) Methods (1) Analysis (1)