Yoonhee Tina Chang University of Bath   School of Management University of Bath Bath, Avon BA2 7AY United Kingdom   y.t.chang@bath.ac.uk   http://people.bath.ac.uk/ytc23   Biographical Sketch: She is a Lecturer in Business Economics at University of Bath with research interests in industrial economics, competition and regulation of financial institutions, networked industries and intermediaries, consumer policy, corporate governance, law and economics.   Primary Research Focus: Industrial economics, banking industry, industrial policy, regulation, competition, technology   JEL Areas: L0 : Industrial Organization: General L5 : Regulation and Industrial Policy: General