Universität Augsburg, D-86135 Augsburg Visitors: Universitätsstr. 12, 86159 Augsburg Phone: +49 821 598-4801 (Fax: -4899) www.fim-online.eu University of Augsburg Prof. Dr. Hans Ulrich Buhl Research Center Finance & Information Management Department of Information Systems Engineering & Financial Management Discussion Paper WI-22 Improving Competitiveness of Direct Banking via IT-Enabled Incentive Schemes by Klaus Sandbiller, Andreas Will, Hans Ulrich Buhl, Barrie R. Nault 1 1 Graduate School of Management, University of California June 1996 in: Krallmann, H., et al., ed., Wirtschaftsinformatik '97, Physica, Heidelberg, 1997, p.495-511