@article{4586,
  abstract     = {{This study examines the loan-pricing behavior of German banks for a large variety of retail and corporate loan products. We find that a bank’s operational efficiency is priced in bank loan rates and alters interest-setting behavior. Specifically, we establish that a higher degree of operational efficiency leads to lower loan markups, which makes prices more competitive and smoothes the setting of interest rates. By employing state-of-the-art stochastic frontier efficiency measures to capture a bank’s operational efficiency, we take a look at the bank customers’ perspective and demonstrate the extent to which bor-rowers benefit from cost-efficient banking. }},
  author       = {{Schlueter, Tobias and Busch, Ramona and Sievers, Soenke and Hartmann-Wendels, Thomas}},
  journal      = {{Credit and Capital Markets--Kredit und Kapital}},
  keywords     = {{interest rate pass-through models, error correction models, bank efficiency, cost efficiency, stochastic frontier analysis}},
  number       = {{1}},
  pages        = {{93--125}},
  title        = {{{Loan Pricing: Do Borrowers Benefit from Cost-Efficient Banking?}}},
  doi          = {{10.3790/ccm.49.1.93}},
  volume       = {{49}},
  year         = {{2016}},
}

@inproceedings{38104,
  abstract     = {{Location-aware services for private use such as GPS-
based navigation systems and GSM-based offerings
have become quite a success for outdoor applications,
while indoor positioning systems are still mainly
employed for professional use only. The main reasons
are cost issues and the complexity of setup and
maintenance of those systems. In this paper we
present CaMPTrack (Camera-based Multiple Person
Tracker), a prototype of a webcam-based positioning
system and discuss its application and development
challenges.}},
  author       = {{Schäfer, Robbie and Müller, Wolfgang and Deimann, Roman and Kleinjohann, Bernd}},
  booktitle    = {{Proceedings of the Workshop on Mobile Spatial Interaction at CHI 2007}},
  keywords     = {{Positioning Systems, Camera Based, Cost Efficiency, Smart Home Applications}},
  title        = {{{A Low-Cost Positioning System for Location-Aware Applications in Smart Homes}}},
  year         = {{2007}},
}