@article{lima_2016,  title={Prospective Analysis of the Banking Industry in Brazil: Regulation, Concentration and Technology},  volume={20},  ISSN={1415-6555},  url={https://doi.org/10.1590/1982-7849rac2016150053},  DOI={10.1590/1982-7849rac2016150053},  number={5},  journal={Revista de Administração Contemporânea},  publisher={Associação Nacional de Pós-Graduação e Pesquisa em Administração},  author={Lima, Afonso Carneiro},  year={2016},  month={Sep},  pages={546–567} }