WASET
    Aijaz A. Shaikh and  Richard Glavee-Geo and  Heikki Karjaluoto,  An Empirical Investigation of Mobile Banking Services Adoption in Pakistan.   journal   = {International Journal of Economics and Management Engineering}, [online]. World Academy of Science, Engineering and Technology.
    October 2015, vol. 107(11). 3797 - 3805
    [viewed 25 April 2024]. Available from: https://publications.waset.org/pdf/10002805.