@incollection{,
	
					
					
					19F2DBECC675F8E628D5C71A93AD1AD4
				,
	author={{RobertNzaro} and {NorestMagidi} and {Bindura University of Science Education}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1424549
}

@book{b0,
	
	
		,
	title={{Technological innovation and banking in Ghana}}
		,
	author={{
			JAbor
		}}
		
			,
	year={2004}
			,
	publisher={Ghana Universities Press}
			,
	address={Accra}
		
	

}

@book{b1,
	
	
		,
	title={{Better Practice Checklist for ePayment. Australia Government Information Management Office}}
		,
	author={{
			Agimo
		}}
		
		
			,
	year={2004. 2013-10-14}
		
	

}

@incollection{b2,
	
	
		,
	title={{The Impact of Electronic Payment on Saudi Banks Profitability: Case Study of SADAD}}
		,
	author={{
			MAl-Adwan
		} and {
			MAl-Zyood
		} and {
			MIshfaq
		} and {
			M
		}}
		
		
		
	
	
		,
	journal={{Payment System IJRRAS}}
		
			14
			1
			,
	year={2013. January 2013}
		
	

}

@incollection{b3,
	
	
		,
	title={{Electronic Trading and Necessity of Attention to Development Barriers of Electronic Banking}}
		,
	author={{
			MAliaskari
		} and {
			SDKarimzadeh
		} and {
			MKeivanara
		} and {
			AGholizade
		}}
		
		
		
	
	
		,
	journal={{World Academy of Science, Engineering and Technology. The Internet Business Review Issue}}
		
			1
			,
	year={2011}
		
	

}

@book{b4,
	
	
		,
	title={{Ghana's banks now upgrading payment system (online)}}
		,
	author={{
			Anon
		}}
		
		
			,
	year={2003. Retrieved October 10, 2013. 2005-02-23}
		
	

}

@incollection{b5,
	
	
		,
	title={{Financial services and the Internet -What does cyberspace mean for the financial services industry?}}
		,
	author={{
			DBirch
		} and {
			MAYoung
		}}
		
	
	
		,
	journal={{Internet Research: Electronic Networking Applications and Policy}}
		
			7
			2
			
			,
	year={1997}
		
	

}

@incollection{b6,
	
	
		,
	title={{Realizing the Gains from Electronic Payments: Costs, Pricing, and Payment Choice}}
		,
	author={{
			DBHumphrey
		} and {
			MKim
		} and {
			JVesala
		}}
		
		
	
	
		,
	journal={{Journal of Money, Credit, and Banking}}
		
			33
			2
			
			,
	year={2001}
		
	

}

@incollection{b7,
	
	
		,
	title={{Banking and payment system stability in an electronic money world}}
		,
	author={{
			JJMcandrews
		}}
		
	
	
		,
	booktitle={{Conference on the Foundations of Policy Toward Electronic Money}}
				
			,
	year={1996. 2013-October-10}
		
	

}

@incollection{b8,
	
	
		,
	title={{The Effect of Banking Expansion on Profit Efficiency of Saudi banks}}
		,
	author={{
			ANader
		}}
	
	
		,
	booktitle={{2nd International Conference on Business and Economic research}}
				
			,
	year={2011}
			269
		
	
	,
	note={2nd ICBER 2011}

}

@incollection{b9,
	
	
		,
	title={{Australian banking on the internet-fact or fiction?}}
		,
	author={{
			BO'connell
		}}
	
	
		,
	journal={{The Australian banker}}
		
			
			,
	year={1996. December}
		
	

}

@book{b10,
	
	
		,
	title={{Reserve Bank of Zimbabwe Banking Regulation Policy No. 1-2004/ BSD on Corporate Governance RBZ Publications}}
		
			,
	address={Harare}
		
	

}

@book{b11,
	
	
		,
	title={{The impact of e-Banking on the profitability of banks: A study of Pakistan banks}}
		,
	author={{
			HSana
		} and {
			SMohammad
		} and {
			K
		} and {
			MHassan
		} and {
			H
		} and {
			SMomina
		} and {
			A
		}}
		
		
		
		
		
		
		
			,
	year={2011}
			1
		
	

}

@book{b12,
	
	
		,
	title={{Risk management practices of the Estonian banks}}
		,
	author={{
			DSokolov
		}}
		
			,
	year={2007}
		
		
			Institute of Economics at Tallin University of Technology
		
	

}

@incollection{b13,
	
	
		,
	title={{Factors Influencing the Adoption of Internet Banking}}
		,
	author={{
			MTan
		} and {
			TTeo
		} and {
			S
		} and {
			H
		}}
		
		
		
	
	
		,
	journal={{Journal of the AIS}}
		
			5
			
			,
	year={2000}
		
	

}

@book{b14,
	
	
		,
	author={{
			MWhitman
		} and {
			EMattord
		} and {
			H
		} and {
			J
		}}
		
		
		
		,
	title={{Principles of information on security}}
				
			,
	year={2005}
		
	
	,
	note={Massachusetts: Course Technology}

}

@book{b15,
	
	
		,
	title={{The future of Electronic Payments: Roadblocks and Emerging Practices}}
		,
	author={{
			PTVartanian
		}}
		
			,
	year={2000}
			,
	publisher={Macmillan Press Ltd}
			,
	address={London}
		
	

}

@book{b16,
	
	
		,
	title={{}}
		,
	author={{
			ZimbabweanBanking
		} and {
			Act
		}}
		
		24:20
		
			,
	year={2004}
			,
	address={Harare, Zimbabwe}
		
	

}