PART I: BANK MANAGEMENT, INNOVATION AND TECHNOLOGY Financial Innovation: Theoretical Issues and Empirical Evidence in Italy and in the U.K.; F.Arnaboldi & B.Rossignoli A New Appraisal of the Structure of European Banking Systems; C.Ruza, R.de Juan & M.Cuesta Intellectual Capital and Banking's Performance in the Italian Banking; G.Gigante & D.Previati Traditional and R&D Investments: Are They Really Different?; P.Brighi & G.Torluccio PART II: EFFICIENCY...