@incollection{,
	
					
					
					238FD91EB732A0FCBDD4FB4A2A0932F7
				,
	author={{Prof. (Ms) RaviKiran} and {Thapar University, Patiala}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}144113126
}

@book{b0,
	
	
		,
	title={{The adoption of business-to-business e-commerce: empirical evidence for German companies}}
		,
	author={{
			IBertschek
		} and {
			HFryges
		}}
		
		
			,
	year={2002}
			,
	publisher={ZEW}
			,
	address={Mannheim}
		
		
			Centre for European Economic Research
		
	
	,
	note={Discussion Paper No. 02-05}

}

@incollection{b1,
	
	
		,
	title={{E-pull or e-push? Laggards and first-movers in European banking}}
		,
	author={{
			JBughin
		}}
	
	
		,
	journal={{Journal of Computer Mediated Communications}}
		
			7
			1
			,
	year={2001}
		
	

}

@incollection{b2,
	
	
		,
	title={{The diffusion of Internet banking in Western Europe}}
		,
	author={{
			JBughin
		}}
	
	
		,
	journal={{Electronic Markets}}
		
			13
			3
			,
	year={2003}
		
	

}

@incollection{b3,
	
	
		,
	title={{An Experimental Investigation of Online Banking Adoption in China'}}
		,
	author={{
			GHua
		}}
		
	
	
		,
	journal={{Journal of Internet Banking and Commerce}}
		
			14
			1
			,
	year={2009. 20th January, 2010}
		
	
	,
	note={April. Accessed on}

}

@incollection{b4,
	
	
		,
	title={{Strengthening Indian Banking and Finance: Progress and Prospects}}
		,
	author={{
			BJalan
		}}
	
	
		,
	journal={{IBA Bulletin}}
		
			XXV
			3
			
			,
	year={2003. March}
		
	

}

@incollection{b5,
	
	
		,
	title={{Factors underlying attitude formation towards online banking in Finland}}
		,
	author={{
			HKarjaluoto
		} and {
			MMattila
		} and {
			TPento
		}}
		
		
	
	
		,
	journal={{International Journal of Bank Marketing}}
		
			20
			6
			
			,
	year={2002}
		
	

}

@book{b6,
	
	
		,
	title={{Inflation Persistence: Facts or Artefacts?}}
		,
	author={{
			CarlosMarques
		} and {
			Robalo
		}}
		
		
			,
	year={2004. June}
			,
	publisher={European Central Bank}
		
	
	,
	note={Working Paper}

}

@incollection{b7,
	
	
		,
	title={{Network effects and the adoption of new technology: evidence from the US telecommunications industry}}
		,
	author={{
			SKMajumdar
		} and {
			SVenkataraman
		}}
		
	
	
		,
	journal={{Strategic Management Journal}}
		
			19
			
			,
	year={1998}
		
	

}

@incollection{b8,
	
	
		,
	title={{Technology in Banking Sector: Issues and Challenges}}
		,
	author={{
			RKMittal
		} and {
			Sanjay
		}}
		
	
	
		,
	journal={{Vinimaya}}
		
			XXVII
			4
			
			,
	year={2007. Jan -March}
		
	

}

@book{b9,
	
	
		,
	title={{Report on Trend and Progress of Banking in India}}
		
			
		
	

}

@incollection{b10,
	
	
		,
	title={{A split hazard model for analyzing the diffusion of innovations}}
		,
	author={{
			RKSinha
		} and {
			MChandrashekran
		}}
		
	
	
		,
	journal={{Journal of Marketing Research}}
		
			29
			1
			
			,
	year={1992}
		
	

}

@incollection{b11,
	
	
		,
	title={{Technology for Banks in India-Challenges}}
		,
	author={{
			RShastri
		}}
	
	
		,
	journal={{IBA Bulletin}}
		
			XXIII
			3
			
			,
	year={2001. March}
		
	

}

@incollection{b12,
	
	
		,
	title={{Recent Trends in Banking Industry: IT Emergence}}
		,
	author={{
			RVShastri
		}}
	
	
		,
	journal={{Analyst}}
		
			
			,
	year={2003. March}
		
	

}

@incollection{b13,
	
	
		,
	title={{E-Banking}}
		,
	author={{
			VPShetty
		}}
	
	
		,
	journal={{IBA Bulletin}}
		
			XXI
			3
			
			,
	year={2000. March}
		
	
	,
	note={Special Issue}

}

@incollection{b14,
	
	
		,
	title={{Indian Banking Moving Towards IT}}
		,
	author={{
			RKUppal
		} and {
			RKaur
		}}
		
	
	
		,
	journal={{Journal of Commerce and Trade}}
		
			2
			1
			26
			,
	year={2007. April}
		
	

}