@incollection{,
	
					
					
					59D10B03C38EBCB78DD20DD6DD9D5A4A
				,
	author={{Syed Faheem HasanBukhari} and {University of Southern Queensland}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}159114
}

@incollection{b0,
	
	
		,
	title={{Consumer Perception and Attitude towards Credit Card Usage: A Study of Pakistani Consumers}}
		,
	author={{
			AAfshan
		} and {
			AyeshaAmanullah
		} and {
			HMadiha
		}}
		
		
	
	
		,
	journal={{Journal of Comparative International Management}}
		
			12
			1
			
			,
	year={2009}
		
	

}

@incollection{b1,
	
	
		,
	title={{Consumer perception and attitude towards credit card usage: a study of Pakistani consumers}}
		,
	author={{
			AAhmed
		} and {
			AAmanullah
		} and {
			MHamid
		}}
		
		
	
	
		,
	journal={{Journal of Comparative International Management Publisher: Management Futures Audience: Academic Format: Magazine/Journal}}
		
			,
	year={2009}
		
	

}

@incollection{b2,
	
	
		,
	title={{Whither loose change? The diminishing demand for smalldenomination currency}}
		,
	author={{
			GAmromin
		} and {
			SChakravorti
		}}
		
	
	
		,
	journal={{Journal of Money, Credit & Banking}}
		
			41
			
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	year={2009}
		
	

}

@incollection{b3,
	
	
		,
	title={{The failure of competition in the credit card marke}}
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	author={{
			Ausubel
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			MLawrence
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	year={1991}
		
	

}

@book{b4,
	
	
		,
	author={{
			MBelis
		}}
		
		,
	title={{Who Invented Credit Cards? Retrieved from About}}
				
	

}

@incollection{b5,
	
	
		,
	title={{Technological Progress and the Geographic Expansion of the Banking Industry}}
		,
	author={{
			ABerger
		} and {
			RDeyoung
		}}
		
	
	
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			38
			6
			
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	year={2006. September}
			,
	publisher={Blackwell Publishing}
		
	

}

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		} and {
			Loudon
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	title={{Consumer Behavio}}
				
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	year={1993}
		
	
	,
	note={4th edition}

}

@book{b7,
	
	
		,
	title={{Channel switching behaviour during the modernization of grocery retailing in Turkey}}
		,
	author={{
			&Blatislam
		} and {
			Filiztekin
		}}
		
		
			,
	year={2011}
		
	

}

@book{b8,
	
	
		,
	title={{Boom in the retail market. Boom in the retail market}}
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	author={{
			ABokhari
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			,
	year={2013. August 12}
		
	

}

@incollection{b9,
	
	
		,
	title={{Consumers' use of debit cards: patterns, preferences, and price response}}
		,
	author={{
			RBorzekowski
		} and {
			EKiser
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			SAhmed
		}}
		
		
	
	
		,
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	year={2008}
		
	

}

@incollection{b10,
	
	
		,
	title={{Credit cards as lifestyle facilitators}}
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	author={{
			MBrenthal
		} and {
			DCrockett
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			RRose
		}}
		
		
	
	
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	journal={{Journal of Consumer Research}}
		
			32
			
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	year={2005. June}
		
	

}

@book{b11,
	
	
		,
	title={{Retailing in 21st century}}
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	author={{
			&Broniarczyk
		} and {
			Hoyer
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}

@book{b12,
	
	
		,
	title={{ISLAMIC BANKING AND FINANCE: IS IT COMPLEMENTING OR COMPETING WITH CONVENTIONAL BANKS}}
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	author={{
			DBunchuan
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	year={2006}
		
	

}

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	title={{}}
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	author={{
			&Chakravorti
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			Emmons
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	year={2000}
		
	

}

@incollection{b14,
	
	
		,
	title={{Demographic and attitudinal differences between active and inactive credit cardholders}}
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	author={{
			RChan
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}

@incollection{b15,
	
	
		,
	title={{A Meta-Aanlysis Of The Antecedents And Consequences of Workplace Sexual Harassment}}
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	author={{
			ChelseaRWillness
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			PS
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		,
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	year={2007}
		
	

}

@book{b16,
	
	
		,
	title={{Bank Credit Card Adoption Criteria and Marketing Implications: The Case of Thailand}}
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	author={{
			SChirapanda
		} and {
			CYoopetch
		}}
		
		
			,
	year={2008}
		
	

}

@incollection{b17,
	
	
		,
	author={{
			LCrawshaw
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	year={2009}
			
		
	

}

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		,
	title={{AWARENESS OF ELECTRONIC BANKING IN PAKISTAN}}
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	author={{
			NADar
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			,
	year={2010}
			,
	publisher={MCB Bank}
			,
	address={Karachi}
		
	

}

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		,
	title={{Credit card possession and other payment systems}}
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		,
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	author={{
			JFDevlin
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			SWothington
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			PGerrard
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		,
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			25
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}

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		,
	title={{}}
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	author={{
			Dhruvgrewal
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			RKrishnan
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			MLevy
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			JMunger
		}}
		
		
		
		
	
	,
	note={Retailing in 21st century}

}

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	author={{
			PDobson
		} and {
			KStarkey
		} and {
			JRichar
		}}
		
		
		
			,
	year={2004}
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	publisher={Blackwell Publishing}
		
	

}

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		,
	title={{A STUDY ON CONSUMERS' PERFERENCES OF ISLAMIC BANKING PRODUCTS AND SERVICES IN SUNGAI PETANI}}
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	author={{
			BDoraisamy
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			AShanmugam
		} and {
			RRaman
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			,
	year={2011}
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	publisher={Academic Research International}
		
	

}

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		,
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	author={{
			TDurkin
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			NPrice
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}

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	title={{Retrieved from Britannica}}
				
	
	,
	note={Encyclopedia britannica}

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	author={{
			AFeinberg
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		,
	title={{Credit cards as spending facilitating stimuli: A conditioning interpretation}}
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	author={{
			RAFeinberg
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	author={{
			AAGafoor
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		,
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	author={{
			AGaith
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			AWorthington
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			11
			
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}

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		,
	title={{Singapore credit card holders: ownership, usage pattern and perception}}
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	author={{
			LGan
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			RMayrami
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			HKoh
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}

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		,
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			JAGhani
		}}
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	title={{Consolidation In Pakistan's Retail Sector}}
				
	

}

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		,
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			MGoode
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}

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	title={{NBER working papaer series). Do liquidity constraints and interest rates matter for consumer behavior? Evidence from credit card data}}
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			NSSouleles
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}

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		,
	title={{A note on the price-and cost structure of retail payment services in the Swedish banking sector}}
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			GGuibourg
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			BSegendorff
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}

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		,
	title={{Workplace Harassment Affects Us All}}
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	author={{
			NAHaas
		}}
		
			,
	year={2004. December}
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	publisher={Haas Consulting Services}
		
	

}

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		,
	title={{Booming business: Retail sector looks to consolidate gains}}
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	author={{
			SHaq
		}}
		
			,
	year={2013. November 9}
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	publisher={Express Tribune}
		
	

}

@incollection{b37,
	
	
		,
	title={{The effect of corporate image, customer percieved value, relationship quality and switching intention among islamic banking customers in Pakistan}}
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	author={{
			NHashim
		} and {
			SLatifah
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	journal={{Business Mgt. Quarterly Review}}
		
			1
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}

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		,
	title={{Extending Shopping Experience in hypermarket}}
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	author={{
			&Hassan
		} and {
			Rehman
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	year={2012}
		
	

}

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		,
	title={{A multi-method investigation of consumer motivations in impluse buying behavior}}
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	author={{
			AHausman
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		,
	journal={{Journal of Consumer Marketing}}
		
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}

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		,
	author={{
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			Coney
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	title={{Building Marketing Strategy}}
				
	
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	note={9th edition}

}

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		,
	title={{Differences in spending habits and credit use of college students}}
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	author={{
			CHayhoe
		} and {
			LLeach
		} and {
			PTurner
		} and {
			MBruin
		} and {
			FLawrence
		}}
		
		
		
		
	
	
		,
	journal={{The Journal of Consumer Affairs}}
		
			34
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}

@incollection{b42,
	
	
		,
	title={{Differences in consumer purchase behaviour by card payment system}}
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	author={{
			ECHirschman
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		,
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	author={{
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			SLeo
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		,
	journal={{International Journal of Islamic and Middle Eastern Finance and Management}}
		
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}

@incollection{b44,
	
	
		,
	title={{Benefits from a changing payment technology in European banking}}
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	author={{
			DHumphrey
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			MWillesson
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			GBergendahl
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			TLindbolm
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		,
	journal={{Journal of Banking and Finance}}
		
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}

@incollection{b45,
	
	
		,
	title={{Reviewing sexual harassment in the workplace -an intervention model}}
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	author={{
			CHunt
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		,
	journal={{Emerald Insight}}
		
			
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	year={2010}
		
	

}

@incollection{b46,
	
	
		,
	title={{The Influence of Sexual Harassment Toward Job Satisfaction and Work Stress Among Malaysian Women Employees}}
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	author={{
			FHutagalung
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			ZIshak
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			SKamaruzaman
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		,
	journal={{Malaysian Online Journal of Counseling}}
		
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	year={2010}
		
	

}

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		,
	title={{}}
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	author={{
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	year={2011}
		
	

}

@book{b48,
	
	
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	title={{Awareness Level of Islamic Banking in two largest cities}}
		
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	title={{Consumer credit use by low income consumers who have had a consumer education course: An exploratory study. The journal of consumer affairs}}
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	title={{Once, twice, or three times as harmful? Ethnic harassment, gender harassment, and generalized workplace harassment}}
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	author={{
			RJl
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			NLh
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	journal={{Journal}}
		
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	title={{Can demand elasticities explain sticky credit card rates? Federal Reserve Bank of Boston}}
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	title={{Estimating cash usage: the impact of survey design on research outcomes}}
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	journal={{De Economist}}
		
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}

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		,
	title={{Islamic banking consumer behaviour in Indonesia}}
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	author={{
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		,
	journal={{International Journal Islamic Finance}}
		
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	author={{
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	title={{Consumer Behavior}}
				
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	year={2007}
		
	
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		,
	title={{Economy watch}}
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	author={{
			Keithtimimi
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	year={2010. March 10}
		
	

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@incollection{b56,
	
	
		,
	title={{Perceived barriers in the adoption and usage of credit cards in Pakistan banking industries}}
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	author={{
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			MMurtaza
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		,
	journal={{International Review of Management and Business Research}}
		
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}

@incollection{b57,
	
	
		,
	title={{Perceived Barriers in the Adoption & Usage of Credit Cards in Pakistan Banking Industry}}
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	author={{
			JKhalid
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			HSafdar Butt
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			MMurtaza
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	journal={{International Review of Management and Business Research}}
		
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	year={March, 2013}
		
	

}

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	title={{Islamic banking: A practical}}
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	author={{
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	year={2008}
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}

@book{b59,
	
	
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	title={{Paper or plastic? The effect of time on check and debit card use at grocery stores}}
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	author={{
			EKlee
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	year={2006}
		
	
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	note={Board of Governors of the Federal Reserve System}

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	title={{Principles of Marketing}}
				
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	year={2007}
		
	
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	note={12th edition}

}

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	title={{Antecedents and consequences of sexual harassment in organizations}}
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	author={{
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			CLGelfand
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	author={{
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	title={{The Effects of Sexual Harassment on Job Satisfaction, Earnings and Turnover Among Female Workers}}
				
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	title={{Retailing in 21st century}}
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	author={{
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	title={{The failure of competition in credit card market}}
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	author={{
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	journal={{American Economic Review}}
		
			
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	year={1991}
		
	

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	title={{Awareness of islamic banking product and services among non-muslims in malaysia}}
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	author={{
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	year={2012}
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	title={{Good et al, Good and moutindho}}
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@incollection{b67,
	
	
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	title={{Interpersonal Mistreatment in the Workplace: The Interface and Impact of General Incivility and Sexual Harassment}}
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	journal={{Journal of Applied Psychology}}
		
			
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	year={2005}
		
	

}

@incollection{b68,
	
	
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	title={{Integrating technology readiness into technology acceptance: the TRAM model}}
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	author={{
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	journal={{Psychology & Marketing}}
		
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}

@incollection{b69,
	
	
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	title={{Network effects on cash-card substitution in transactions and low interest rate regimes}}
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	author={{
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	journal={{The Economic Journal}}
		
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	year={2003. April}
		
	

}

@book{b70,
	
	
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	title={{Endogenous ATM Concentration}}
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	author={{
			NMassoud
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			DBernhardt
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	year={2006}
		
		
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	note={working paper}

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@incollection{b71,
	
	
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	title={{The Impact of Sexual Harassment on Turnover Intentions, Absenteeism, and Job Satisfaction}}
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	author={{
			RSMerkin
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	journal={{Journal of International Women's Studies}}
		
			
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	year={2008}
		
	

}

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	title={{}}
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	author={{
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	year={2006}
		
	

}

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	title={{Channel Switching behavior from traditional to branded}}
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	author={{
			MMubinjaliawala
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}

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	title={{The 7 p's of Marketing and choice of main grocery store in hyper inflatioanary economy}}
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	author={{
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			Matandwa
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	year={2011}
		
	

}

@incollection{b75,
	
	
		,
	title={{The Global State of Credit Cards. The global state of credit cards}}
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	author={{
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	journal={{Page}}
		
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	year={January 2012}
		
	

}

@incollection{b76,
	
	
		,
	title={{Workplace Bullying and Turnover Intention}}
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	author={{
			HÖcel
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			OAyd?n
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		,
	journal={{International Journal of Business and Social Science}}
		
			
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	year={2012}
		
	

}

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@incollection{b78,
	
	
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		,
	title={{Life style pattern and commercial bank credit card usage}}
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@incollection{b83,
	
	
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	title={{The Prevalence and Nature of Sexual Harassment in the Workplace}}
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	author={{
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		,
	journal={{SA Journal of Industrial Psychology}}
		
			
			,
	year={2007}
		
	

}

@incollection{b84,
	
	
		,
	title={{The prevalence and nature of sexual harassment in the workplace}}
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	author={{
			ARamsaroop
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	author={{
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	journal={{Academy of Management Journal}}
		
			
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	year={2005}
		
	

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	title={{Once, Twice, or Three Times as Harmful? Ethnic Harassment, Gender Harassment, and Generalized Workplace Harassment}}
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	author={{
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@incollection{b88,
	
	
		,
	title={{Once, Twice, or Three Times as Harmful? Ethnic Harassment, Gender Harassment, and Generalized Workplace Harassment}}
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	author={{
			JLRaver
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			LHNishii
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	journal={{Journal of Applied Psychology}}
		
			
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	title={{Awareness, understanding and behaviour of islamic. IBBM}}
				
	

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	journal={{Basel: Report of the Committee on Payment Systems}}
		
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	year={2003}
		
	

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	author={{
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	year={2009}
		
	

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	year={2012}
		
	

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	author={{
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	author={{
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	journal={{Athens: Agency}}
		
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	year={2008. April 30th}
		
	

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@incollection{b107,
	
	
		,
	title={{The Historic Judgment on Interest; Delivered in Supreme Court of Pakistan}}
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	author={{
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	booktitle={{Maktaba Ma'ariful Qur'an}}
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	year={2005}
		
	

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	note={Retailing in 21st century}

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	title={{Credit card consumers: College students' knowledge and attitude}}
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	author={{
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@incollection{b110,
	
	
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	title={{The corporate power and the evolution of consumer credit}}
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	author={{
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	note={Retailing in 21st century}

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	author={{
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	year={2007}
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	publisher={Emerald Group Publishing Limited}
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	address={China}
		
	

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@incollection{b115,
	
	
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	author={{
			SYang
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	journal={{Journal of Economic Psychology}}
		
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	year={2007}
		
	

}