@incollection{,
	
					
					
					DBF501D73E31F98278459925EFDCE834
				,
	author={{Dr. NazrulIslam} and {Md. NafizurRahman} and {NowshinNower} and {Md. Mostafa AsefRafi} and {Mayisha TasnimNatasha} and {RashikHassan} and {Canadian University of Bangladesh}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1953749
}

@incollection{b0,
	
	
		,
	title={{User Perception of Mobile Banking Adoption: An Integrated Ttf-Utaut Model}}
		,
	author={{
			ZAhmed
		} and {
			AKader
		} and {
			HURashid
		} and {
			MNurunnabi
		}}
		
		
		
	
	
		,
	journal={{Journal of Internet Banking and Commerce}}
		
			22
			3
			
			,
	year={2017}
		
	

}

@incollection{b1,
	
	
		,
	title={{Factors Influencing Customer Satisfaction of Mobile Banking Services: A Study on Second-Generation Banks}}
		,
	author={{
			.&Ahmed
		} and {
			MJannat
		}}
		
		ISSN 2222-2839
	
	
		,
	journal={{European Journal of Business and Management}}
		2222-1905
		
			7
			26
			,
	year={2015}
			,
	publisher={Paper}
		
	

}

@incollection{b2,
	
	
		,
	title={{An empirical examination of customers' mobile phone experience and awareness of mobile banking services in mobile banking in Saudi Arabia}}
		,
	author={{
			ANAlkhaldi
		}}
	
	
		,
	journal={{Interdisciplinary Journal of Information, Knowledge, and Management}}
		
			12
			
			,
	year={2017}
		
	

}

@incollection{b3,
	
	
		,
	title={{Trust and Distrust Determinants of Mobile Banking Adoption in the Nigerian Banking Industry: A Study of First Bank Nigeria Limited}}
		,
	author={{
			FAAnyanwu
		} and {
			HUUbi
		} and {
			ACAnanwude
		}}
		
		
	
	
		,
	journal={{Asian Research Journal of Arts & Social Sciences}}
		
			3
			4
			
			,
	year={2017}
		
	

}

@incollection{b4,
	
	
		,
	title={{Mobile financial services in Bangladesh: An overview of market development}}
		,
	author={{
			BBank
		}}
	
	
		,
	journal={{Bangladesh Bank Policy Paper}}
		
			
			,
	year={2012}
		
	

}

@incollection{b5,
	
	
		,
	title={{Comparative fit indexes in structural models}}
		,
	author={{
			PMBentler
		}}
	
	
		,
	journal={{Psychological bulletin}}
		
			107
			2
			238
			,
	year={1990}
		
	

}

@incollection{b6,
	
	
		,
	title={{Implementation of Mobile Banking in Bangladesh: Opportunities and Challenges}}
		,
	author={{
			MS RBhuiyan
		} and {
			MMRahman
		}}
		
		ISSN: 2278-8735
		
	
	
		,
	journal={{IOSR Journal of Electronics and Communication Engineering}}
		2278-2834
		
			7
			5
			
			,
	year={2013. Sep.-Oct. 2013}
		
		
			IOSR -JECE
		
	

}

@book{b7,
	
	
		,
	title={{Trust & Security issues in Mobile banking and its effect on Customers}}
		,
	author={{
			MBilal
		} and {
			GSankar
		}}
		
		no: MCS: 2011: 24
		
			,
	year={2011. September 2011}
		
		
			School of Computing Blekinge Institute of Technology SE -371 79 Karlskrona Sweden
		
	
	,
	note={Master's Thesis Computer Science Thesis}

}

@incollection{b8,
	
	
		,
	title={{Factors affecting adoption of electronic banking system in Ethiopian banking industry}}
		,
	author={{
			MWBrowne
		} and {
			RCudeck
		}}
		
	
	
		,
	journal={{Journal of Management Information System and E-commerce}}
		,
	editor={10. Bultum, A. G.}
		
			1
			1
			
			,
	year={1993. 2014}
		
	
	,
	note={Alternative ways of assessing model fit}

}

@incollection{b9,
	
	
		,
	title={{Determinants of mobile banking adoption in the Ghanaian banking industry: a case of access bank Ghana limited}}
		,
	author={{
			AGCudjoe
		} and {
			PAAnim
		} and {
			JG N TNyanyofio
		}}
		
		
	
	
		,
	journal={{Journal of Computer and Communications}}
		
			3
			02
			1
			,
	year={2015}
		
	

}

@incollection{b10,
	
	
		,
	title={{Issues in Mbanking: Challenges and opportunities}}
		,
	author={{
			MDewan
		}}
	
	
		,
	booktitle={{Computer and Information Technology (ICCIT), 2010 13th International Conference on}}
				
			,
	publisher={IEEE}
			,
	year={2010. December}
			
		
	

}

@book{b11,
	
	
		,
	author={{
			AField
		}}
		,
	title={{Discovering statistics using SPSS for Windows: Advanced techniques for beginners (Introducing Statistical Methods series}}
				
			,
	year={2000}
		
	

}

@incollection{b12,
	
	
		,
	title={{Structural equation models with unobservable variables and measurement error: Algebra and statistics}}
		,
	author={{
			CFornell
		} and {
			DFLarcker
		}}
		
	
	
		,
	journal={{Journal of marketing research}}
		
			
			,
	year={1981}
		
	

}

@incollection{b13,
	
	
		,
	title={{Impact of trust on internet banking adoption: a literature review}}
		,
	author={{
			SGoudarzi
		} and {
			MNAhmad
		} and {
			SASoleymani
		} and {
			NHosseini
		}}
		
		
		
	
	
		,
	journal={{Australian Journal of Basic and Applied Sciences}}
		
			7
			7
			
			,
	year={2013}
		
	

}

@book{b14,
	
	
		,
	title={{Multivariate data analysis}}
		,
	author={{
			JFHair
		} and {
			REAnderson
		} and {
			RLTatham
		} and {
			WCBlack
		}}
		
		
		
		
			,
	year={1998. 1998}
			,
	address={Upper Saddle River}
		
	

}

@incollection{b15,
	
	
		,
	title={{The use of partial least squares path modeling in international marketing}}
		,
	author={{
			JHenseler
		} and {
			CMRingle
		} and {
			RRSinkovics
		}}
		
		
	
	
		,
	booktitle={{New challenges to international marketing}}
				
			,
	publisher={Emerald Group Publishing Limited}
			,
	year={2009}
			
		
	

}

@incollection{b16,
	
	
		,
	title={{Mobile Banking and customer satisfaction: The case of Dhaka city}}
		,
	author={{
			NHossain
		} and {
			YHossain
		}}
		
	
	
		,
	journal={{World Review of Business Research}}
		
			5
			3
			
			,
	year={2015}
		
	

}

@incollection{b17,
	
	
		,
	title={{Consumers' Attitudes towards Mobile Banking in Bangladesh}}
		,
	author={{
			MMIslam
		} and {
			MEHossain
		}}
		
	
	
		,
	booktitle={{The Second International Conference on E-Technologies and Business on the Web (EBW2014)}}
				
			,
	year={2014}
			
		
	
	,
	note={The Society of Digital Information and Wireless Communication}

}

@incollection{b18,
	
	
		,
	title={{An Investigation of Consumers' Acceptance of Mobile Banking in Bangladesh}}
		,
	author={{
			MMIslam
		} and {
			MEHossain
		}}
		
	
	
		,
	journal={{International Journal of Innovation in the Digital Economy (IJIDE)}}
		
			6
			3
			
			,
	year={2015}
		
	

}

@incollection{b19,
	
	
		,
	title={{Mobile banking: An emerging issue in Bangladesh}}
		,
	author={{
			MSIslam
		}}
	
	
		,
	journal={{ASA University Review}}
		
			7
			1
			
			,
	year={2013}
		
	

}

@incollection{b20,
	
	
		,
	title={{Adoption of Mobile Banking in Bangladesh: A Conceptual Framework}}
		,
	author={{
			MSIslam
		} and {
			NKaria
		} and {
			MS MSoliman
		} and {
			MHFouji
		} and {
			JKhalid
		} and {
			MKhaleel
		}}
		
		
		
		
		
	
	
		,
	journal={{Review of Social Sciences}}
		
			2
			8
			
			,
	year={2017}
		
	

}

@incollection{b21,
	
	
		,
	title={{Assessment of the Factors Influencing Online Banking Customer Satisfaction: A Banking Perspective in Bangladesh}}
		,
	author={{
			KJahan
		} and {
			FKhan
		}}
		
	
	
		,
	journal={{World}}
		
			8
			1
			
			,
	year={2018}
		
	

}

@incollection{b22,
	
	
		,
	title={{Factors influencing the usage of mobile banking: Incident from a developing country}}
		,
	author={{
			MRKabir
		}}
	
	
		,
	journal={{World Review of Business Research}}
		
			3
			3
			
			,
	year={2013}
		
	

}

@book{b23,
	
	
		,
	title={{Customers' Satisfaction Towards Online Banking In Malaysia: A Primary Data Analysis (Doctoral dissertation}}
		,
	author={{
			AJ YLee
		} and {
			AMChia
		} and {
			LWChoong
		} and {
			KYFoo
		}}
		
		
		
		
			,
	year={2017}
		
	
	,
	note={UTAR)}

}

@book{b24,
	
	
		,
	title={{Factors Influencing Customer Adoption of Mobile Banking Services in Tanzania (Doctoral dissertation}}
		,
	author={{
			GMakongoro
		}}
		
			,
	year={2014}
		
		
			The Open University of Tanzania
		
	

}

@incollection{b25,
	
	
		,
	title={{Application of confirmatory factor analysis to the study of selfconcept: First-and higher order factor models and their invariance across groups}}
		,
	author={{
			HWMarsh
		} and {
			DHocevar
		}}
		
	
	
		,
	journal={{Psychological bulletin}}
		
			97
			3
			,
	year={1985}
		
	

}

@incollection{b26,
	
	
		,
	title={{Digital banking, customer experience and bank financial performance: UK customers' perceptions}}
		,
	author={{
			CIMbama
		} and {
			POEzepue
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			36
			2
			
			,
	year={2018}
		
	

}

@book{b27,
	
	
		,
	title={{Consumer Acceptance and Use of Mobile Banking Services}}
		,
	author={{
			NNisha
		} and {
			SIdrish
		} and {
			MZHossain
		}}
		
		
		
			,
	year={9}
			,
	address={Bangladesh}
		
	

}

@incollection{b28,
	
	
		,
	title={{The assessment of reliability}}
		,
	author={{
			JCNunnally
		} and {
			IHBernstein
		}}
		
	
	
		,
	booktitle={{Psychometric theory}}
				
			,
	year={1994}
			3
			
		
	

}

@book{b29,
	
	
		,
	title={{E-banking and customers' satisfaction in Bangladesh: An analysis. International review of business research papers}}
		,
	author={{
			JMNupur
		}}
		
			,
	year={2010}
			6
			
		
	

}

@book{b30,
	
	
		,
	author={{
			JParvez
		} and {
			AIslam
		} and {
			JWoodard
		}}
		
		
		,
	title={{Mobile Financial Services in Bangladesh. USAID, mSTAR and fhi360}}
				
			,
	year={2015}
		
	

}

@book{b31,
	
	
		,
	title={{Mobile banking service quality and customer satisfaction in Bangladesh: An analysis. The Cost and Management}}
		,
	author={{
			ARahman
		} and {
			MHasan
		} and {
			MAMia
		}}
		
		
		
			,
	year={2017}
			45
			
		
	

}

@book{b32,
	
	
		,
	title={{Problems and prospects of mobile banking in Bangladesh}}
		,
	author={{
			QReyan
		}}
		
			,
	year={2014}
		
	

}

@incollection{b33,
	
	
		,
	title={{Bangladeshi mobile banking service quality customer satisfaction and loyalty}}
		,
	author={{
			GKSagib
		} and {
			B
		}}
		
	
	
		,
	journal={{Management & Marketing}}
		
			9
			3
			,
	year={2014}
		
	

}

@incollection{b34,
	
	
		,
	title={{Acceptance of Internet Banking}}
		,
	author={{
			SShahriar
		}}
	
	
		,
	booktitle={{Evidence from Bangladesh. International Conference on Business, Law and Corporate Social Responsibility (ICBLCSR'14}}
				Bangladesh; Phuket (Thailand
		
			,
	year={2014. Oct 1-2, 2014}
		
	

}

@incollection{b35,
	
	
		,
	title={{Consumer adoption of mobile banking services: An empirical examination of factors according to adoption stages}}
		,
	author={{
			MAShareef
		} and {
			ABaabdullah
		} and {
			SDutta
		} and {
			VDwivedi
		} and {
			YK
		}}
		
		
		
		
	
	
		,
	journal={{Journal of Retailing and Consumer Services}}
		
			43
			
			,
	year={2018}
		
	

}

@incollection{b36,
	
	
		,
	title={{Financial Inclusion through Mobile Banking: A Case of Bangladesh}}
		,
	author={{
			MN ASiddik
		} and {
			GSun
		} and {
			CU IYanjuan
		} and {
			SKabiraj
		}}
		
		
		
	
	
		,
	journal={{Journal of Applied Finance and Banking}}
		
			4
			6
			109
			,
	year={2014}
		
	

}

@book{b37,
	
	
		,
	title={{Principal components and factor analysis}}
		,
	author={{
			BGTabachnick
		} and {
			LSFidell
		}}
		
		
			,
	year={2001}
			4
			
		
	
	,
	note={Using multivariate statistics}

}

@book{b38,
	
	
		,
	title={{Statistics, introductory Analysis of problems}}
		,
	author={{
			TYamane
		}}
		
			,
	year={1967}
		
	

}

@book{b39,
	
	
		,
	title={{Examining the role of trust in shaping customer satisfaction of mobile banking (Doctoral dissertation}}
		,
	author={{
			MYousuf
		}}
		
			,
	year={2017}
		
		
			Universiti Tun Hussein Onn Malaysia
		
	

}