It's Not Just the ATMs: Technology, Firm Strategies, Jobs, and Earnings in Retail Banking
研究了零售银行业中技术、企业战略如何共同影响工作岗位和收入，揭示技术变革并非唯一因素，企业战略和组织变革同样关键。
Larry W. Hunter, Annette Bernhardt, Katherine L. Hughes, Eva Skuratowicz, It's Not Just the ATMs: Technology, Firm Strategies, Jobs, and Earnings in Retail Banking, ILR Review, Vol. 54, No. 2A, Extra Issue: Industry Studies of Wage Inequality (Mar., 2001), pp. 402-424