@incollection{,
	
					
					
					E9D99FE988CEE42F019BCBABD13A8DE0
				,
	author={{DhanushanthiniAjanthan} and {Vavuniya campus}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1824954
}

@incollection{b0,
	
	
		,
	title={{Internet Banking Adoption among Young Intellectuals}}
		,
	author={{
			HAmin
		}}
	
	
		,
	journal={{Journal of Internet Banking and Commerce}}
		
			12
			3
			,
	year={2007}
		
	

}

@book{b1,
	
	
		,
	title={{The Internet's Impact on Retail Banking}}
		,
	author={{
			BBurnham
		}}
		
			,
	year={1996. July 1}
		
	

}

@incollection{b2,
	
	
		,
	title={{Internet Banking -Benefits and Challenges in an Emerging Economy}}
		,
	author={{
			JChavan
		}}
	
	
		,
	journal={{International Journal of Research in Business Management}}
		
			1
			1
			,
	year={2013}
		
	

}

@book{b3,
	
	
		,
	title={{Electronic Banking Channels and Customers' Preferences}}
		,
	author={{
			PEdojariogba
		}}
		
			,
	year={2014}
			,
	address={Nigeria}
		
		
			Department of Business Administration University of Benin
		
	
	,
	note={A Research Dissertation Submitted to the}

}

@incollection{b4,
	
	
		,
	title={{E-Banking in Developing Economy: Empirical Evidence from Nigeria}}
		,
	author={{
			MAElisha
		}}
	
	
		,
	journal={{Journal of Applied Quantitative Methods}}
		
			5
			2
			,
	year={2010}
		
	

}

@book{b5,
	
	
		,
	title={{Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research}}
		,
	author={{
			MFishbein
		} and {
			IAjzen
		}}
		
		
			,
	year={1975}
			,
	publisher={Addison-Wesley}
		
	

}

@incollection{b6,
	
	
		,
	title={{factors influencing the adoption and usage of online services in saudi arabia}}
		,
	author={{
			WAGhaith
		} and {
			LSanzogni
		} and {
			KSandhu
		}}
		
		
	
	
		,
	booktitle={{The Electronic Journal on Information Systems in Developing Countries}}
				
			,
	year={2010}
			40
			
		
	

}

@book{b7,
	
	
		,
	title={{The journal of popularity of e-banking in sri lanka}}
		,
	author={{
			NKJayasiri
		} and {
			WA S PWeerathunga
		}}
		
		
			,
	year={2008}
		
	

}

@book{b8,
	
	
		,
	title={{Changes in the Banking sector -The case of Internet banking in UK. Electronic Networking Application and Ploicy}}
		,
	author={{
			CJayawardhena
		} and {
			CFoley
		}}
		
		
			,
	year={2000}
			10
			
		
	

}

@incollection{b9,
	
	
		,
	title={{Bankers' Perceptions of Electronic Banking in Pakistan}}
		,
	author={{
			AKaleem
		}}
	
	
		,
	journal={{Journal of Internet Banking and Commerce}}
		
			13
			,
	year={2008}
		
	

}

@incollection{b10,
	
	
		,
	author={{
			.HKarjaluoto
		}}
	
	
		,
	booktitle={{Electronic banking in Finland: Consumer Beliefs, Attitudes,Intentions, and Behaviors}}
				
			,
	year={2002}
			6
			
		
	

}

@incollection{b11,
	
	
		,
	title={{Factors underlying attitude formation towards online banking in Finland}}
		,
	author={{
			HKarjaluoto
		} and {
			MMattila
		} and {
			TPento
		}}
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			20
			
			,
	year={2002}
		
	

}

@book{b12,
	
	
		,
	title={{Principles of Marketing}}
		,
	author={{
			PKotler
		} and {
			GArmstrong
		}}
		
		
			,
	year={2000}
		
	
	,
	note={4 th edition}

}

@incollection{b13,
	
	
		,
	title={{Consumers' perspectives on online banking services}}
		,
	author={{
			MMavri
		} and {
			GLoannou
		}}
		
	
	
		,
	journal={{International journal of consumer studies}}
		
			,
	year={2006}
		
	

}

@book{b14,
	
	
		,
	title={{The internet and Banks' strategic distribution channel decision', International journal of bank marketing}}
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	author={{
			NPMols
		}}
		
			,
	year={1999}
		
	

}

@incollection{b15,
	
	
		,
	title={{The Internet will shake banking"s medieval foundations}}
		,
	author={{
			CNehmzow
		}}
	
	
		,
	journal={{Journal of Internet banking and commerce}}
		
			,
	year={1997}
		
	

}

@incollection{b16,
	
	
		,
	title={{An Analysis of Web Navigability in Spanish Internet Banking}}
		,
	author={{
			BHOrtega
		} and {
			JJMartínez
		} and {
			JMHoyos
		} and {
			.-D
		}}
		
		
		
	
	
		,
	journal={{European Management Journal}}
		
			12
			
			,
	year={2007}
		
	

}

@book{b17,
	
	
		,
	title={{Payment System and Financial Innovations}}
		,
	author={{
			JOvia
		}}
		
			,
	year={2002. November}
		
	
	,
	note={A paper presented at the Annual Policy Conference}

}

@book{b18,
	
	
		,
	title={{An Analysis of the Technology Acceptance Model in Understanding University Students' Behavioral Intention to Use E-Learning', An Analysis of the Technology Acceptance Model in Understanding University Students' Behavioral Intention}}
		,
	author={{
			SYPark
		}}
		
			,
	year={2009}
			
		
	

}

@incollection{b19,
	
	
		,
	title={{Consumer acceptance of online banking: an extension of the Technology Acceptance Model}}
		,
	author={{
			TPikkarainen
		} and {
			KPikkarainen
		} and {
			HKarjaluoto
		} and {
			SPahnila
		}}
		
		
		
	
	
		,
	journal={{Internet Research}}
		
			14
			3
			
			,
	year={2004}
		
	

}

@book{b20,
	
	
		,
	title={{E-Banking in Bangladesh: Some Policy Implications}}
		,
	author={{
			MMRahman
		}}
		
			,
	year={2002}
		
	

}

@incollection{b21,
	
	
		,
	title={{Internet Banking Adoption in an Emerging Economy: Indian Consumer's Perspective}}
		,
	author={{
			RSafeena
		} and {
			HDate
		} and {
			AKammani
		}}
		
		
	
	
		,
	journal={{International Arab Journal of e-Technology}}
		
			2
			1
			,
	year={2011. January}
		
	

}

@incollection{b22,
	
	
		,
	title={{Adoption of intrnet banking by Australian consumers;an empirical investigational}}
		,
	author={{
			MSathye
		}}
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			17
			7
			
			,
	year={1999. December}
		
	

}

@incollection{b23,
	
	
		,
	title={{}}
		,
	author={{
			HSharma
		}}
	
	
		,
	journal={{Bankers Perspectives on Electronic Banking}}
		
			1
			,
	year={2011}
		
	

}

@incollection{b24,
	
	
		,
	title={{Factors Influencing the Adoption of Internet Banking}}
		,
	author={{
			MTan
		} and {
			SH TTeo
		}}
		
	
	
		,
	journal={{Journal of the Association for Information Systems}}
		
			1
			,
	year={2000. July}
		
	
	,
	note={Available: Article 5}

}

@incollection{b25,
	
	
		,
	title={{Assessing IT Usage: The Role of Prior Experiences}}
		,
	author={{
			STaylor
		} and {
			PTodd
		}}
		
	
	
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	journal={{MIS Quarterly}}
		
			19
			3
			
			,
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}

@book{b26,
	
	
		,
	title={{Electronic Commerce: A manegerial perspective}}
		,
	author={{
			ETurban
		}}
		
			,
	year={2000}
			,
	publisher={Pretence Hall International Inc}
		
	

}

@book{b27,
	
	
		,
	title={{Internet Banking in Sri Lanka}}
		,
	author={{
			KWijesiriwardana
		}}
		
			,
	year={2003. December}
		
	

}