The theme of this seminar “Transformational Banking for Economic Development” is indeed topical, and couldn’t have come at a better time, considering that the banking sector in Nigeria is passing through a critical and decisive path in reforms to reposition it to effectively impact on other sectors of the economy, especially the real sector. 2.
3  See E. Viviano, “Entry regulations and labour market outcomes: Evidence from the Italian retail trade sector”, Banca d’Italia, Temi di discusione, no. 59, 2006, and F. Schivardi and E. Viviano, “Entry barriers in Italian retail trade”, Banca d’Italia, Temi di discussione, no. 616, 2007.