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The Bank Merger Wave: The Economic Causes and Social Consequences of Financial Consolidation is written by Gary Dymski and published by Routledge. It's available with International Standard Book Number or ISBN identification 1315292432 (ISBN 10) and 9781315292434 (ISBN 13).
This far-reaching study shows that operating efficiencies are not what are driving today's unrelenting bank merger mania. It suggests that bank mergers and consolidation may have effects that are contrary to consumer and non-financial business interests, such as lower rates of interest, increasing fees, and tighter credit constraints. Dymski recommends several new policies to apply to the evaluation of prospective mergers.