Professor Shelagh Heffernan is currently Professor of Banking and Finance at Cass Business School, City University, London and has been a visiting Professor at several universities. "Modern Banking" is her fourth book. A former Commonwealth Scholar at Oxford University, Professor Heffernan is also a past beneficiary of a Leverhulme Trust Research Award, which funded new research on competition in banking, and recently received a second award from the Leverhulme Trust. She publishes in top academic journals - her paper, 'How do UK Institutions Really Price their Banking Products?' ("Journal...