Yoonhee Tina Chang University of East Anglia   ESRC Centre for Competition Policy University of East Anglia Norwich, Norfolk NR4 7TJ United Kingdom   Y.Chang@uea.ac.uk   http://www.uea.ac.uk/~j106/   Biographical Sketch: She is a Postdoctoral Researcg Fellow at the ESRC Centre for Competition Policy. Her main research interests are Indutrial Economics and Banking Industry. She has been working on banking industry merger implications, impact of technology and competition on the industry structure, and the bilateral market power with relationship banking.   Primary Research Focus: Industrial economics, banking industry, industrial policy, regulation, competition, technology   JEL Areas: L0 : Industrial Organization: General L5 : Regulation and Industrial Policy: General