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Zhao, Tianshu, Luintel, Kul B. ORCID: https://orcid.org/0000-0001-7430-3926 and Matthews, Kent ORCID: https://orcid.org/0000-0001-6968-3098 2021. Soft information and the geography of SME bank lending. Regional Studies 55 (4) , pp. 679-692. 10.1080/00343404.2020.1851024
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Degryse, Hans, Matthews, Kent ORCID: https://orcid.org/0000-0001-6968-3098 and Zhao, Tianshu 2017. Relationship banking and regional SME financing: the case of Wales. International Journal of Banking, Accounting and Finance 8 (1) , pp. 93-117. 10.1504/IJBAAF.2017.085324

Zhao, Tianshu, Matthews, Kent Gerard Patrick ORCID: https://orcid.org/0000-0001-6968-3098 and Murinde, Victor 2013. Cross-selling, switching costs and imperfect competition in British banks. Journal of Banking & Finance 37 (12) , pp. 5452-5462. 10.1016/j.jbankfin.2013.03.008

Zhao, Tianshu, Matthews, Kent ORCID: https://orcid.org/0000-0001-6968-3098 and Murinde, Victor 2011. Cross-Selling, switching costs and imperfect competition in British banks. [Working Paper]. Cardiff Economics Working Papers, Cardiff: Cardiff University.
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Matthews, Kent ORCID: https://orcid.org/0000-0001-6968-3098, Murinde, Victor and Zhao, Tianshu 2006. Competitiveness and market contestability of major UK banks. [Working Paper]. Cardiff Economics Working Papers, Cardiff: Cardiff University.
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