Adewole, A., A. Adekanmi, and O. Emmanuel. “Mergers and Acquisition: The Solution to the Problem of Ineffective Financial Intermediation in the Nigerian Banking System”. Journal of Research in Business, Economics and Management, Vol. 4, no. 4, Nov. 2015, pp. 472-85, http://www.scitecresearch.com/journals/index.php/jrbem/article/view/478.