Aboelmaged, M., and Gebba, T.R. (2013). Mobile banking adoption: an examination of
the technology acceptance model and the theory of planned
behavior. International Journal of Business Research and Development, 2(1), 35-
50. Doi: 10.24102/ijbrd.v2i1.263
Adams, A.M. Bashiru, M. and Abdulai, I.A. (2016). Customer satisfaction in the
banking industry in Ghana: A case of GCB bank limited in WA Municipality.
Journal of Social Science Studies, 3(2), 217-235.
https://ideas.repec.org/a/mth/jsss88/v3y2016i2p217-235.html
Ajzen, I. (1991). The theory of planned behavior. Organizational behavior and human
decision processes, 50(2), 179-211.
Alkafagi, A.A.C. (2015). Understanding internet banking services and customer's
adoption in Iraqi public universities (Doctoral dissertation, Universiti Utara
Malaysia). Ph.D. thesis, Universiti Utara Malaysia, http://etd.uum.edu.my/5435/
Al-Shbiel, S.O. and Ahmad, M.A. (2016). A Theoretical discussion of electronic
banking in Jordan by integrating technology acceptance model and theory of
planned behavior. International Journal of Academic Research in Accounting,
Finance and Management Sciences, 6(3), 272-284. DOI:
10.6007/IJARAFMS/v6-i3/2275
Al-Smadi, M.O. (2012). Factors affecting adoption of electronic banking: An analysis
of the perspectives of banks' customers. International Journal of Business and
Social Science, 3(17).
Al-Somali, S.A. Gholami, R. and Clegg, B. (2009). An investigation into the acceptance
of online banking in Saudi Arabia. Technovation, 29(2), 130-141.
https://doi.org/10.1016/j.technovation.2008.07.004
Amin, M. (2016). Internet banking service quality and its implication on e-customer
satisfaction and e-customer loyalty. International journal of bank marketing,
34(3), 280-306.
Au, Y.A. and Kauffman, R.J. (2008). The economics of mobile payments:
Understanding stakeholder issues for an emerging financial technology
application. Electronic Commerce Research and Applications, 7(2), 141-164.
https://doi.org/10.1016/j.elerap.2006.12.004
Auta, E.M. (2010). E-Banking in developing economy: empirical evidence from
Nigeria. Journal of applied quantitative methods, 5(2),
http://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.470.7440
Iranian
Journal of
Accounting,
Auditing &
Finance
34
Bacinello, E. Carmona, L.J.D.M. Tomelim, J. Da Cunha, H.C. and Tontini, G. (2017).
Nonlinear antecedents of consumer satisfaction on e-banking portals. The Journal
of Internet Banking and Commerce, 1-21.
https://www.icommercecentral.com/open-access/nonlinear-antecedents-of-
consumer-satisfaction-on-ebanking-portals.php?aid=85700
Bhattacharjee, K. (2017). Satisfaction of E-banking: A comparative study on degree
holder & non-degree-holder customers. Management Research, 4(12).
Calisir, F. and Gumussoy, C.A. (2008). Internet banking versus other banking channels:
Young consumers’ view. International journal of information management,
28(3), 215-221. https://doi.org/10.1016/j.ijinfomgt.2008.02.009
Cavana, R.Y. Delahaye, B.L. and Sekaran, U. (2001). Applied business research:
Qualitative and quantitative methods. John Wiley & Sons Australia, ISBN:
0471341266, 9780471341260
Chavan, J. (2013). Internet banking-benefits and challenges in an emerging economy.
International Journal of Research in Business Management, 1(1), 19-26.
Chen, Y.H. and Barnes, S. (2007). Initial trust and online buyer behaviour. Industrial
management & data systems, 107(1), 21-36. Doi:10.1108/02635570710719034
Courchane, M. Nickerson, D. and Sullivan, R. (2002). Investment in internet banking as
a real option: theory and tests. Journal of Multinational Financial Management,
12(4-5), 347-363. https://doi.org/10.1016/S1042-444X(02)00015-4
Cunningham, W.C. Taylor, T.H. and Ford, D. (1985). Crime and protection in America:
A study of private security and law enforcement resources and relationships.
Washington, DC: US Department of Justice, National Institute of Justice.
Daniel, P.E.Z. and Jonathan, A. (2013). Factors affecting the adoption of online banking
in Ghana: Implications for bank managers. International Journal of Business and
Social Research, 3(6), 94-108.
https://thejournalofbusiness.org/index.php/site/article/view/49
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of
information technology. MIS Quarterly, 13(3), 319-340.
https://doi.org/10.2307/249008
Devi Juwaheer, T. Pudaruth, S. and Ramdin, P. (2012). Factors influencing the adoption
of internet banking: A case study of commercial banks in Mauritius. World
Journal of Science, Technology and Sustainable Development, 9(3), 204-234.
Doi: 10.1108/20425941211250552
Donovan, K. (2012). Mobile money for financial inclusion. Information and
Communications for development, 61(1), 61-73.
https://doi.org/10.1596/9780821389911_ch04
Erkin, K. (2014). Internet banking adoption in Uzbekistan (Doctoral dissertation,
Universiti Utara Malaysia). Masters thesis, Universiti Utara Malaysia,
http://etd.uum.edu.my/4118/
Fishbein, M. and Ajzen, I. (1975). Belief, attitude, intention and behavior: An
introduction to theory and research. Addison-Wesley, ISBN: 978-0201020892
Floh, A. and Treiblmaier, H. (2006). What keeps the e-banking customer loyal? A multi
group analysis of the moderating role of consumer characteristics on loyalty in
the financial service industry. available at SSRN:
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2585491
Forrester Research (2009). Internet banking is booming. available at:
www.internetbanking. com/tag/gartner-group/ (accessed March 2010).
Gas, M.A. (2016). Communities Perception of electronic banking in Somaliland.
Gbadebo, S.M. (2016). The influences of e-satisfaction, e-trust and hedonic motivation
on the relationship between e-banking adoption and its determinants in Nigeria
Factors
Influencing
the
Adoption of
E-Banking
in Somalia
35
(Doctoral dissertation, Universiti Utara Malaysia). Ph.D. thesis, Universiti Utara
Malaysia, http://etd.uum.edu.my/6396/
Gounaris, S.P. and Koritos, C.D. (2008). Using the extended innovation attributes
framework and consumer personal characteristics as predictors of internet
banking adoption. Journal of Financial Services Marketing, 13(1), 39-51.
https://link.springer.com/article/10.1057/fsm.2008.4
Gunaratnam, A. Kajenthiran, K. Ratnam, U. and Sivapalan, A. (2017). Factors
influencing on e-banking practices: Evidence from Sri-lanka. Journal of
Sociological Research, 9(1), 1-14. Doi: 10.5296/jsr.v9i1.11989
Hamid, A.A. Razak, F.Z.A. Bakar, A.A. and Abdullah, W.S.W. (2016). The effects of
perceived usefulness and perceived ease of use on continuance intention to use e-
government. Procedia Economics and Finance, 35, 644-649.
https://doi.org/10.1016/S2212-5671(16)00079-4
Haque, A.K.M. Ismail, A.Z. and Daraz, A.H. (2009). Issues of e-banking transaction: an
empirical investigation on Malaysian customers perception. Journal of Applied
Sciences, 9(10), 1870-1879. DOI: 10.3923/jas.2009.1870.1879
Ho, S.H. and Ko, Y.Y. (2008). Effects of self-service Technology on customer value
and customer readiness: The case of internet banking. Internet Research, 18(4),
427-446. Doi: 10.1108/10662240810897826
Ibok, N.I. and Ikoh, I.M. (2013). Determinants of customer satisfaction with internet
banking services. Journal of Arts and Social Sciences, 14(2), 178-186.
KoenigâLewis, N. Palmer, A. and Moll, A. (2010). Predicting young consumers' take up
of mobile banking services. International journal of bank marketing. 28(5), 410-
432. Doi: 10.1108/02652321011064917
Krejcie, R.V. and Morgan, D.W. (1970). Determining sample size for research
activities. Educational and psychological measurement, 30(3), 607-610.
https://doi.org/10.1177/001316447003000308
Lai, V.S. and Li, H. (2005). Technology acceptance model for internet banking: An
invariance analysis. Information & management, 42(2), 373-386.
https://doi.org/10.1016/j.im.2004.01.007
Lee, K.C. and Chung, N. (2009). Understanding factors affecting trust in and
satisfaction with mobile banking in Korea: A modified DeLone and McLean’s
model perspective. Interacting with Computers, 21(5-6), 385-392.
https://doi.org/10.1016/j.intcom.2009.06.004
Maduku, D.K. (2014). Customers’ adoption and use of e-banking services: The South
African perspective. Banks and Bank Systems, 9(2), 78-88.
https://www.academia.edu/8288027/Customers_adoption_and_use_of_e_banking
_services_the_South_African_perspective
Mattila, A. and Mattila, M. (2005). How perceived security appears in the
commercialisation of internet banking. International Journal of Financial Services
Management, 1(1), 89-101. Doi: 10.1504/IJFSM.2005.007986
Mazuri, A.G. Samar, R. Norjaya, M.Y. and Feras, M.A. (2017). Adoption of internet
banking: Extending the role of technology acceptance model (TAM) with e-
customer service and customer satisfaction. World Applied Sciences Journal,
35(9). 10.5829/idosi.wasj.2017.1918.1929
Mohamad Ghazali, N. (2011). A survey of critical success factors in the Malaysia e-
Banking: A Perspective of UUM Postgraduate Students (Doctoral dissertation,
Universiti Utara Malaysia).
Mutengezanwa, M. and Mauchi, F.N. (2013). Socio-demographic factors influencing
adoption of internet banking in Zimbabwe. Department of Banking and Finance,
https://ir.buse.ac.zw/handle/11196/463
Iranian
Journal of
Accounting,
Auditing &
Finance
36
Pikkarainen, T. Pikkarainen, K. Karjaluoto, H. and Pahnila, S. (2004). Consumer
acceptance of online banking: An extension of the technology acceptance model.
Internet Research, 14(3), 224-235.
Poon, W.C. (2007). Users' adoption of e-banking services: The Malaysian perspective.
Journal of Business & Industrial Marketing, 23(1), 59-69.
Rahman, M. Saha, N.K. Sarker, M.N.I. Sultana, A. and Prodhan, A.Z.M.S. (2017).
Problems and prospects of electronic banking in Bangladesh: A case study on
Dutch-Bangla bank limited. American Journal of Operations Management and
Information Systems, 2(2), 42-53. doi: 10.11648/j.ajomis.20170202.13
Roussos, P. (2007). The Greek computer attitudes scale: construction and assessment of
psychometric properties. Computers in Human Behavior, 23(1), 578-590.
https://doi.org/10.1016/j.chb.2004.10.027
Saidi, N.A. Azib, N.A. Amran, N.A. Sulham, N.E.S. Anuar, N.F.F. and Saidi, N.
(2016). Determinants for adoption of e-banking among bank’s customers.
International Journal of Accounting, Finance and Business, 1(2), 37-44.
https://www.academia.edu/35551611/DETERMINANTS_FOR_ADOPTION_OF
_E_BANKING_AMONG_BANKS_CUSTOMERS
Sánchez-Torres, J.A. Canada, F.J.A. Sandoval, A.V. and Alzate, J.A.S. (2018). E-
banking in Colombia: factors favouring its acceptance, online trust and
government support. International Journal of Bank Marketing, 36(1), 170-183.
Sayid, O. Echchabi, A. and Aziz, H.A. (2012). Investigating mobile money acceptance
in Somalia: An empirical study. Pakistan Journal of Commerce and Social
Sciences, 6(2), 269. https://www.econstor.eu/handle/10419/188057
Sekaran, U. and Bougie, R. (2013). Edisi 6. Research Methods for Business. Science
Studies, ISBN: 978-1-119-26684-6
Suh, B. and Han, I. (2002). Effect of trust on customer acceptance of Internet banking.
Electronic Commerce Research and Applications, 1(3-4), 247-263.
https://doi.org/10.1016/S1567-4223(02)00017-0
Tan, M. and Teo, T. (2000). Factors influencing the adoption of Internet banking.
Journal of the Association for Information Sciences, 1(5), 1-42.
http://130.18.86.27/faculty/warkentin/SecurityPapers/Leigh/ZafarClark2009%20
Other%20References/TanTeo2000_JAIS1_FactorsInfluencingInternetBankingAd
option.pdf
The World Bank (2009). The infinite potential of mobile banking. Available at:
htpp://psdblog.worldbank.org/psdblog/2009/11/the-infinite-potential-ofmobile-
banking. 02291575.
Tran, H.T.T. and Corner, J. (2016). The impact of communication channels on mobile
banking adoption. International Journal of Bank Marketing, 34(1), 78-109. Doi:
10.1108/IJBM-06-2014-0073
Venkatesh, V. Morris, M.G. Davis, G.B. and Davis, F.D. (2003). User acceptance of
information technology: Toward a unified view. MIS Quarterly, 27(3), 425-478.
https://doi.org/10.2307/30036540
Yousafzai, S. and Yani-de-Soriano, M. (2012). Understanding customer-specific factors
underpinning internet banking adoption. International Journal of Bank Marketing,
30(1), 60-81. Doi: 10.1108/02652321211195703
Yousafzai, S. Pallister, J. and Foxall, G. (2009). Multi-dimensional role of trust in
Internet banking adoption. The Service Industries Journal, 29(5), 591-605.
https://doi.org/10.1080/02642060902719958
Yuan, S. Liu, Y. Yao, R. and Liu, J. (2016). An investigation of users’ continuance
intention towards mobile banking in China. Information Development, 32(1), 20-
34. Doi: 10.1177/0266666914522140
Send comment about this article