@incollection{,
	
					
					
					05FEFD5F5659B1F8C9C505120824A619
				,
	author={{AnjaleeJayawardena} and {Kuruppu.C} and {Weerasinghe.S} and {Samarathunga.D} and {Mihipal.R} and {Sri Lanka Institiue of Information Technology}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1962529
}

@incollection{b0,
	
	
		,
	title={{Adoption of internet banking services in Gujarat}}
		,
	author={{
			KJPatel
		} and {
			HJPatel
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			36
			1
			
			,
	year={2018}
		
	

}

@incollection{b1,
	
	
		,
	title={{Seniors' experiences with online banking}}
		,
	author={{
			CGatsou
		} and {
			APolitis
		} and {
			DZevgolis
		}}
		
		
	
	
		,
	booktitle={{Proceedings of the 2017 Federated Conference on Computer Science and Information Systems}}
				the 2017 Federated Conference on Computer Science and Information Systems
		
			,
	year={2017}
		
	

}

@incollection{b2,
	
	
		,
	title={{Internet banking adoption among mature customers: early majority or laggards}}
		,
	author={{
			HKMinna Mattila
		} and {
			Tapio
		} and {
			Pento
		}}
		
		
	
	
		,
	journal={{Journal Services Marketing}}
		
			17
			,
	year={2003}
		
	

}

@incollection{b3,
	
	
		,
	title={{Online banking adoption: an empirical analysis}}
		,
	author={{
			AYChong
		} and {
			KOoi
		} and {
			BLin
		} and {
			BTan
		}}
		
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			28
			4
			
			,
	year={2010}
		
	

}

@incollection{b4,
	
	
		,
	title={{An extension of TAM model with IDT and security/privacy risk in the adoption of internet banking services in Greece}}
		,
	author={{
			ANGiovanis
		} and {
			SBinioris
		} and {
			GPolychronopoulos
		}}
		
		
	
	
		,
	journal={{EuroMed Journal of Business}}
		
			7
			1
			
			,
	year={2012}
		
	

}

@incollection{b5,
	
	
		,
	title={{Factors Affecting Adoption of Electronic Banking: An Analysis of the Perspectives of Banks' Customers}}
		,
	author={{
			DM OAl-Smadi
		}}
	
	
		,
	journal={{International Journal of Business and Social Science}}
		
			3
			7
			309
			,
	year={2012}
		
	

}

@incollection{b6,
	
	
		,
	title={{Consumer attitude and behavioural intention towards internet banking adoption in India}}
		,
	author={{
			IBashir
		} and {
			CMadhavaiah
		}}
		
	
	
		,
	journal={{Journal of Indian Business Research}}
		
			7
			1
			
			,
	year={2015}
		
	

}

@incollection{b7,
	
	
		,
	title={{Assessing the intentions to use internet banking: The role of perceived risk and trust as mediating factors}}
		,
	author={{
			KSNamahoot
		} and {
			TLaohavichien
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			36
			2
			
			,
	year={2018}
		
	

}

@incollection{b8,
	
	
		,
	title={{Customer acceptance of internet banking in Estonia}}
		,
	author={{
			KEriksson
		} and {
			KKerem
		} and {
			DNilsson
		}}
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			23
			2
			
			,
	year={2005}
		
	

}

@incollection{b9,
	
	
		,
	title={{An examination of the critical factors affecting consumer acceptance of online banking}}
		,
	author={{
			DMaditinos
		} and {
			DChatzoudes
		} and {
			LSarigiannidis
		}}
		
		
	
	
		,
	journal={{Journal of System and Information Technology}}
		
			15
			1
			
			,
	year={2013}
		
	

}

@incollection{b10,
	
	
		,
	title={{Factors Affecting Adoption of Electronic Banking: An Analysis of the Perspectives of Banks' Customers}}
		,
	author={{
			DM OAl-Smadi
		}}
	
	
		,
	journal={{International Journal of Business and Social Science}}
		
			3
			7
			309
			,
	year={2012}
		
	

}

@incollection{b11,
	
	
		,
	title={{Customer Perception Towards Internet Banking Services With Special Reference to Erode District}}
		,
	author={{
			CRamanigopal
		} and {
			GPalaniappan
		} and {
			NHemalatha
		} and {
			AMani
		}}
		
		
		
	
	
		,
	journal={{Asian Journal of Business and Economics}}
		
			1
			17
			,
	year={2011}
		
	

}

@book{b12,
	
	
		,
	title={{Customers' Perceptions towards Online Banking Services in Malta}}
		,
	author={{
			DPace
		}}
		
			,
	year={2016}
		
	

}

@book{b13,
	
	
		,
	title={{Hannibal: Hannibal National Bank}}
		,
	author={{
			Bank
		}}
		
		
			,
	year={2019. Accessed 23rd July 2019}
		
	
	,
	note={eBanking Services [Online}

}

@book{b14,
	
	
		,
	title={{HNB launches Solo eWallet [Online]. The Associated Newspapers of Ceylon Ltd}}
		,
	author={{
			Daily News
		}}
		
		
			,
	year={2019. Accessed 23rd July 2019}
		
	

}

@incollection{b15,
	
	
		,
	title={{Customer acceptance of internet banking in Estonia}}
		,
	author={{
			Kerem &Eriksson
		} and {
			Nilsson
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			23
			2
			
			,
	year={2005}
		
	

}

@incollection{b16,
	
	
		,
	title={{An extension of TAM model with IDT and security/privacy risk in the adoption of internet banking services in Greece}}
		,
	author={{
			Binioris&Giovanis
		} and {
			Polychronopoulos
		}}
		
	
	
		,
	journal={{Euro Med Journal of Business}}
		
			7
			1
			115
			,
	year={2012. 1995}
		
	
	,
	note={Moschis}

}

@incollection{b17,
	
	
		,
	title={{Online banking adoption: an empirical analysis}}
		,
	author={{
			Yee-LoongChong
		} and {
			Lin&Ooi
		} and {
			Tan
		}}
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			28
			4
			
			,
	year={2010}
		
	

}