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Gardener, Edward P. M.; Molyneux, Philip; Williams, Jonathan - In: Handbook of international banking, (pp. 130-155). 2003

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Williams, Jonathan; Gardener, Edward P. M. - In: Regional studies 37 (2003) 4, pp. 321-330

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Carbó Valverde, Santiago; Gardener, Edward P. M.; … - In: Revue de la banque 64 (2000) 6, pp. 381-394

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Gardener, Edward P. M.; Molyneux, Philip; Williams, Jonathan - In: Papeles de economía española 84/85 (2000), pp. 118-135

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Gardener, Edward P. M.; Molyneux, Philip; Williams, Jonathan - 1998

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Gardener, Edward P. M. - 1997

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Williams, Jonathan - In: Journal of payments strategy & systems 1 (2006/07) 4, pp. 331-341

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Williams, Jonathan - In: Journal of payments strategy & systems 6 (2012/13) 3, pp. 276-282

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