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98 Cargil, T. F. and N. Yoshino, Postal Savings and Fiscal Investment in Japan, Oxford University Press, 2003 Frame,W.S., A.Srinivasan, and L.Woosley, "The Effect of Credit Scoring on Small-Business Lending," Journal of Money, Credit, and Banking, pp , 2001 Greene, W. H., Econometric Analysis, Prentice-Hall International, 1997 Holden, K. and M. EL-Bannany, "Investment in Information Technology Systems and Other Determinants of Bank Profitability in the UK," Applied Financial Economics, Vol.14, pp , 2004 Hu, The-Wei, Econometrics: An Introductory Analysis, University Park Press, 1973 Miyamoto, M.,"Adoption of New Technologies in the Japanese Banking Industry," Review of Monetary and Financial Studies, Vol.22, pp.22-40, 2005 Ramanathan, R., Statistical Methods in Econometrics, Academic Press, 1993 Raj, B. and A. Ullah Econometrics: A Varying Coefficients Approach, Croom Helm London, 1981 Stavins, J., "ATM Fees: Does Bank Size Matter?" New England Economic Review, January/February, pp.13-24, 2000 Zellner, A., J. Kmenta, and J. Dreze, "Specification and Estimation of Cobb-Douglas Production Functions Models," Econometrica, Vol.34, No.4, pp ,

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