@incollection{,
	
					
					
					5D9CAF2DF4C95A14B15C10A1C75ECFE8
				,
	author={{IsratJahan} and {TapasBala} and {Kamrul HasanBhuiyan} and {Bangabandhu Sheikh Mujibur Rahman Science and Technology University, Bangladesh}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}2043144
}

@book{b0,
	
	
		,
	title={{Factors influencing adoption of mobile banking by Jordanian bank. international journal of information management}}
		,
	author={{
			AAAlalwan
		} and {
			YKDwivedi
		} and {
			NPRana
		}}
		
		
		
			,
	year={2017}
			
		
	

}

@incollection{b1,
	
	
		,
	title={{mobile Banking Adoption: application of diffusion of innovation theory}}
		,
	author={{
			IMAl-Jabri
		} and {
			MSSohali
		}}
		
	
	
		,
	journal={{Journal of Electronic commerce reseaarch}}
		
			,
	year={2012}
		
	

}

@incollection{b2,
	
	
		,
	title={{Problems and prospects of mobile banking in Bangladesh}}
		,
	author={{
			SAhmed
		} and {
			SRayhan
		} and {
			MIslam
		} and {
			SMahjabin
		}}
		
		
		
	
	
		,
	journal={{Journal of Information Engineering and Applications}}
		
			1
			6
			
			,
	year={2011}
		
	

}

@book{b3,
	
	
		,
	title={{Mobile banking adoption of the youth market Perceptions and intentions. Marketing Intelligence & Planning}}
		,
	author={{
			UAkturan
		} and {
			NTezcan
		}}
		
		
			,
	year={2012}
			30
			
		
	

}

@incollection{b4,
	
	
		,
	title={{Consumer adoption of mobile banking in Jordan; Examining the role of usefulness, ease of use, perceived risk and self-efficacy}}
		,
	author={{
			AAlalwan
		} and {
			YDwivedi
		} and {
			NRana
		} and {
			MWilliams
		}}
		
		
		
	
	
		,
	journal={{Journal of Enterprise Information Management}}
		
			29
			1
			
			,
	year={2016}
		
	

}

@incollection{b5,
	
	
		,
	title={{Factors Affecting Consumers' Adoption of Mobile Banking in Bangladesh: An Empirical Study}}
		,
	author={{
			MAlam
		}}
	
	
		,
	journal={{31 TNI Journal of Engineering and Technology}}
		
			2
			2
			,
	year={2014}
		
	

}

@book{b6,
	
	
		,
	title={{Mobile banking clients cross 3.5cr mark | Dhaka Tribune}}
		,
	author={{
			JAlo
		}}
		
		
			,
	year={2019. Accessed 29 Nov. 2019}
		
	

}

@book{b7,
	
	
		,
	title={{22% Bangladeshi adults have bank accounts | Dhaka Tribune}}
		
		
			,
	year={2016. 20 Oct. 2016}
		
	

}

@incollection{b8,
	
	
		,
	title={{Basic Statistics}}
		
	
	
		,
	journal={{Asian Development Bank}}
		
			,
	year={2019. 2019}
		
	

}

@incollection{b9,
	
	
		,
	title={{bKash in Bangladesh: 24 million customers using mobile money | Asia Global Payment Summit}}
		
	
	
		,
	journal={{Asia Global Payment Summit}}
		
			,
	year={2020. 9 Feb. 2020}
		
	

}

@book{b10,
	
	
		,
	title={{Mobile Financial Services}}
		,
	author={{
			BangladeshBank
		}}
		
		
			,
	year={2019. Accessed 28 Nov. 2019}
		
	

}

@book{b11,
	
	
		,
	title={{Mobile Phone Subscribers in Bangladesh}}
		
		
			,
	year={2019. December, 20169}
		
	
	,
	note={Accessed 20}

}

@book{b12,
	
	
		,
	title={{Bangladesh's literacy rate rises to 70 percent, education minister says}}
		
		
			,
	year={2016. 28 Oct. 2016}
		
	
	,
	note={bangladeshs-literacy-rate-rises-to-70-per cent-education-minister-says}

}

@incollection{b13,
	
	
		,
	title={{Individual Trust in Online Firms}}
		,
	author={{
			ABhattacherjee
		}}
	
	
		,
	journal={{International Journal of E-Business Research}}
		
			2
			4
			
			,
	year={2006}
		
	

}

@book{b14,
	
	
		,
	title={{Acceptance of mobile money by poor citizens of India: integrating trust into the technology acceptance model}}
		,
	author={{
			SChauhan
		}}
		
			,
	year={2015}
			17
			
		
	

}

@incollection{b15,
	
	
		,
	title={{Perceived risk, usage frequency of mobile banking services}}
		,
	author={{
			CChen
		}}
	
	
		,
	journal={{Managing Service Quality: an International Journal}}
		
			23
			5
			
			,
	year={2013}
		
	

}

@incollection{b16,
	
	
		,
	title={{Limits to value in electronic commerce-related IT investments}}
		,
	author={{
			AChircu
		} and {
			RKauffman
		}}
		
	
	
		,
	journal={{Journal of Management Information Systems}}
		
			17
			2
			
			,
	year={2000}
		
	

}

@book{b17,
	
	
		,
	title={{Perceived risk, usage frequency of mobile banking services. managing service quality}}
		,
	author={{
			CChen
		}}
		
			,
	year={2013}
			
		
	

}

@book{b18,
	
	
		,
	title={{Mobile Banking rollout in emerging markets: evidence from Brazil. international journal of bank marketing}}
		,
	author={{
			PCruz
		} and {
			TLaukkanen
		}}
		
		
			,
	year={nov 5. 2010}
			
		
	

}

@incollection{b19,
	
	
		,
	title={{Perceived usefulness, perceived ease of use, and user acceptance of information technology}}
		,
	author={{
			FDDavis
		} and {
			RPBagozzi
		} and {
			PRWarsaw
		}}
		
		
	
	
		,
	journal={{MIS Quarterly}}
		
			13
			3
			
			,
	year={1989}
		
	

}

@incollection{b20,
	
	
		,
	title={{An empirical examination of customers' adoption of m-banking in India}}
		,
	author={{
			MDeb
		} and {
			EDavid
		}}
		
	
	
		,
	journal={{Marketing Intelligence & Planning}}
		
			32
			4
			
			,
	year={2014}
		
	

}

@book{b21,
	
	
		,
	title={{Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research}}
		,
	author={{
			MFishbein
		} and {
			IAjzen
		}}
		
		
			,
	year={1975}
			,
	publisher={Addison-Wesley}
			,
	address={Reading, MA}
		
	

}

@incollection{b22,
	
	
		,
	title={{Trust and TAM in online shopping: an integrated model}}
		,
	author={{
			DGefen
		} and {
			EKarahanna
		} and {
			DStraub
		}}
		
		
	
	
		,
	journal={{MIS Quarterly}}
		
			27
			1
			
			,
	year={2003}
		
	

}

@incollection{b23,
	
	
		,
	title={{Understanding adoption of new technologies: Technology readiness and technology acceptance as an integrated concept}}
		,
	author={{
			PGodoe
		} and {
			TJohansen
		}}
		
	
	
		,
	journal={{Journal of European Psychology Students}}
		
			3
			1
			
			,
	year={2012}
		
	

}

@book{b24,
	
	
		,
	title={{Determinants of behavioral intention to mobile banking. Expert system with application}}
		,
	author={{
			JCGu
		} and {
			.CLee
		} and {
			YHSuh
		}}
		
		
		
			,
	year={2009}
			
		
	

}

@incollection{b25,
	
	
		,
	title={{Factors affecting joardaian Consumers Adoption of mobile banking servics}}
		,
	author={{
			DSKhraim
		} and {
			DEShoubaki
		} and {
			DSKhraim
		}}
		
		
	
	
		,
	journal={{International Journal of Business and social science}}
		
			,
	year={20 november, 2011}
		
	

}

@book{b26,
	
	
		,
	title={{An empirical study on consumer first purchase intention in online shopping: integrating initial trust and TAM}}
		,
	author={{
			JKim
		}}
		
			,
	year={2012}
			,
	publisher={Springer Science+Business Media}
			12
			
		
	

}

@incollection{b27,
	
	
		,
	title={{Consumers' attitudes towards online and mobile banking in China}}
		,
	author={{
			SLaforet
		} and {
			XLi
		}}
		
	
	
		,
	journal={{International Journal of Bank Marketing. International Journal of Bank Marketing}}
		
			23
			5
			
			,
	year={2005}
		
	

}

@incollection{b28,
	
	
		,
	title={{Understanding factors affecting trust in and satisfaction with mobile banking in Korea: A modified De Lone and McLean's model perspective}}
		,
	author={{
			KLee
		} and {
			NChung
		}}
		
	
	
		,
	journal={{Interacting with Computers}}
		
			21
			5-6
			
			,
	year={2009}
		
	

}

@incollection{b29,
	
	
		,
	title={{Why do people use information technology? A critical review of the technology acceptance model}}
		,
	author={{
			PLegris
		} and {
			JIngham
		} and {
			PCollerette
		}}
		
		
	
	
		,
	journal={{Information & Management}}
		
			40
			
			,
	year={2003}
		
	

}

@incollection{b30,
	
	
		,
	title={{Predicting young consumers' take up of mobile banking services}}
		,
	author={{
			NLewis
		} and {
			APalmer
		} and {
			AMoll
		}}
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			28
			5
			
			,
	year={2010}
		
	

}

@incollection{b31,
	
	
		,
	title={{E-shopping: an Analysis of the Technology Acceptance Model}}
		,
	author={{
			WLim
		} and {
			DTing
		}}
		
	
	
		,
	journal={{Canadian Center of Science and Education}}
		
			6
			4
			
			,
	year={2012}
		
	

}

@incollection{b32,
	
	
		,
	title={{An empirical study of on-line tax filing acceptance model: Integrating TAM and TPB}}
		,
	author={{
			CLu
		} and {
			SHuang
		} and {
			PLo
		}}
		
		
	
	
		,
	journal={{African Journal of Business Management}}
		
			4
			5
			
			,
	year={2016}
		
	

}

@book{b33,
	
	
		,
	title={{Mobile Banking, bKash, and Future Of Mobile Financial Services -Future Startup}}
		,
	author={{
			IMahbub
		}}
		
		
			,
	year={2016. 28 Oct. 2016}
		
	

}

@incollection{b34,
	
	
		,
	title={{Predicting user intentions: comparing the technology acceptance model with the theory of planned behaviour}}
		,
	author={{
			KMathieson
		}}
	
	
		,
	journal={{Information Systems Research}}
		
			2
			3
			
			,
	year={1991}
		
	

}

@incollection{b35,
	
	
		,
	title={{Investigating the factors influencing the adoption of m-banking: a cross cultural study}}
		,
	author={{
			GMortimer
		} and {
			LNeale
		} and {
			SHasan
		} and {
			BDunphy
		}}
		
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			33
			4
			
			,
	year={2015}
		
	

}

@incollection{b36,
	
	
		,
	title={{Customers' Adoption of Electronic Banking: an Investigation on The Commercial Banking Industry in Zimbabwe}}
		,
	author={{
			SMusa
		} and {
			M
		}}
		
	
	
		,
	journal={{International Journal of Economics, Commerce and Management}}
		
			II
			7
			,
	year={2014}
		
	

}

@incollection{b37,
	
	
		,
	title={{An Analysis of the Technology Acceptance Model in Understanding University Students' Behavioral Intention to Use e-Learning}}
		,
	author={{
			SPark
		}}
	
	
		,
	journal={{Educational Technology & Society}}
		
			12
			3
			
			,
	year={2009}
		
	

}

@incollection{b38,
	
	
		,
	title={{Mobile banking: proposition of an integrated adoption intention framework}}
		,
	author={{
			JPu ¨schel
		} and {
			JMazzon
		} and {
			JMauro
		} and {
			CHernandez
		}}
		
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			28
			5
			
			,
	year={2010}
		
	

}

@book{b39,
	
	
		,
	title={{the moderating affect of gender in the adoption of mobile banking. international journal of bank marketing}}
		,
	author={{
			HERiquelme
		} and {
			RERios
		}}
		
		
			,
	year={january 2010}
			
		
	

}

@incollection{b40,
	
	
		,
	title={{Factors Influencing the Usage of Mobile Banking: Incident from a Developing Country}}
		,
	author={{
			MRokibul
		}}
	
	
		,
	journal={{World Review of Business Research}}
		
			,
	year={2013}
		
	

}

@book{b41,
	
	
		,
	title={{Information on Mobile Banking}}
		
		
			,
	year={2016. 20 Oct. 2016}
		
	

}

@incollection{b42,
	
	
		,
	title={{Bangladeshi mobile banking service quality and customer satisfaction and loyalty}}
		,
	author={{
			GSagib
		} and {
			BZapan
		}}
		
	
	
		,
	journal={{Management & Marketing. Challenges for the Knowledge Society}}
		
			9
			3
			
			,
	year={2014}
		
	

}

@incollection{b43,
	
	
		,
	title={{Building customer trust in mobile commerce}}
		,
	author={{
			KSiau
		} and {
			ZShen
		}}
		
	
	
		,
	journal={{Communications of the ACM}}
		
			46
			4
			
			,
	year={2003}
		
	

}

@incollection{b44,
	
	
		,
	title={{Scopes and threats of Mobile Financial services in Bangladesh}}
		,
	author={{
			RSiddiquie
		}}
	
	
		,
	journal={{IOSR Journal of Economics and Finance}}
		
			4
			4
			,
	year={2014}
			,
	publisher={IOSR -JEF}
		
	

}

@book{b45,
	
	
		,
	title={{Towards a model of adoption in mobile banking by the unbanked: a qualitative study}}
		,
	author={{
			PTobbin
		}}
		
			,
	year={2012}
			14
			
		
	
	,
	note={info}

}

@book{b46,
	
	
		,
	title={{The impact of communication channels on mobile banking adoption}}
		,
	author={{
			HTran
		} and {
			JCorner
		}}
		
		
			,
	year={2016}
			34
			
		
	

}

@incollection{b47,
	
	
		,
	title={{Technology acceptance model 3 and a research agenda on interventions}}
		,
	author={{
			VVenkatesh
		} and {
			HBala
		}}
		
	
	
		,
	journal={{Decision Sciences}}
		
			39
			2
			
			,
	year={2008}
		
	

}

@incollection{b48,
	
	
		,
	title={{A theoretical extension of the technology acceptance model: four longitudinal field studies}}
		,
	author={{
			VVenkatesh
		} and {
			FDDavis
		}}
		
	
	
		,
	journal={{Management Science}}
		
			46
			2
			
			,
	year={2000}
		
	

}

@incollection{b49,
	
	
		,
	title={{User acceptance of information technology: toward a unified view}}
		,
	author={{
			VVenkatesh
		} and {
			MGMorris
		} and {
			GBDavis
		} and {
			FDDavis
		}}
		
		
		
	
	
		,
	journal={{MIS Quarterly}}
		
			27
			3
			
			,
	year={2003}
		
	

}

@incollection{b50,
	
	
		,
	title={{An extension of Trust and TAM model with TPB in the initial adoption of on-line tax: An empirical study}}
		,
	author={{
			IWu
		} and {
			JChen
		}}
		
	
	
		,
	journal={{International Journal of Human-Computer Studies}}
		
			62
			
			,
	year={2005}
		
	

}

@book{b51,
	
	
		,
	title={{Bangladesh Population (2016) -Worldo meters}}
		,
	author={{
			InfoWorldometers
		}}
		
		
			,
	year={2016. 20 Oct. 2016}
		
	

}