WASET
    Esad Kadušić and  Petar Bojović and  Amela Žgalj,  Consumer Adoption - Risk Factor of Mobile Banking Services.   journal   = {International Journal of Economics and Management Engineering}, [online]. World Academy of Science, Engineering and Technology.
    August 2011, vol. 56(8). 951 - 956
    [viewed 28 March 2024]. Available from: https://publications.waset.org/pdf/3223.