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Fincham, R., Fleck, J., Procter, R., Scarbrough, H., Tierney, M., & Williams, R. (1995-01-05). The Economy of IS Expertise. In Expertise and Innovation: Information Technology Strategies in the Financial Services Sector. : Oxford University Press. Retrieved 20 Oct. 2019, from https://www.oxfordscholarship.com/view/10.1093/acprof:oso/9780198289043.001.0001/acprof-9780198289043-chapter-13.