@Article{BankDelphi,
	author = 	{R. Klimesch and S. Hermann},
	title = 	{Banken werden austauschbar und verlieren Kundenkontakt},
	year = 	{1999},
	category = 	{NM, finance, web},
	pdf = 	{http://wwwi.wu-wien.ac.at/~rk/KlHe99.pdf},
	journal = 	{geldinstitute},
	volume = 	{30},
	number = 	{10},
}