Journal of Banking and Finance, 37(12), 5073-5087. Elsevier Karstanje, D, Sojli, E, Tham, W W & Wel, M V D 2013, ' Economic valuation of liquidity timing ', Journal of Banking & Finance, vol. 37, no. 12, pp. 5073-5087 . https://doi.org/10.1016/j.jbankfin.2013.09.010