@incollection{,
	
					
					
					2307B761087C2DAEDFFF97A406A910B4
				,
	author={{Eduardo KalilHanna} and {Centro UniversitArio da FEI}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1511515
}

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		,
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		} and {
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@incollection{b9,
	
	
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}

@incollection{b10,
	
	
		,
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		,
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}

@incollection{b11,
	
	
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}

@incollection{b12,
	
	
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	title={{Impact of trade area environment on bank's comparative advantages}}
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}

@book{b16,
	
	
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			13
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			Escola de Administração de Empresas de São Paulo da Fundação Getúlio Vargas
		
	
	,
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}

@incollection{b17,
	
	
		,
	title={{Resistance, motivations, trust and intention to use mobile financial services}}
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	author={{
			HBIallouna
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}

@incollection{b18,
	
	
		,
	title={{Antecedents of customer satisfaction: a study of indian public and private sector banks}}
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			VKaura
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}

@incollection{b19,
	
	
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	title={{The impact of trust and perceived risk on internet banking adoption in India: an extension of technology acceptance model}}
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}

@incollection{b20,
	
	
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			PKlaus
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			MGorgoglione
		} and {
			DBuonamassa
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			UPanniello
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			BNguyen
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			31
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}

@incollection{b21,
	
	
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	title={{The effect of retail store environment on retailer performance}}
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@incollection{b22,
	
	
		,
	title={{The role of information in mobile banking resistance}}
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	author={{
			TLaukkanen
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	journal={{International Journal of Bank Marketing}}
		
			28
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			,
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}

@incollection{b23,
	
	
		,
	title={{How consumers choose a financial institution: decision making criteria and heruristics}}
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	author={{
			JLee
		} and {
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	journal={{International Journal of Bank Marketing}}
		
			21
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}

@book{b24,
	
	
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	title={{Retailing Management}}
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			MLevy
		} and {
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		}}
		
		
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	year={2008}
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			,
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}

@incollection{b25,
	
	
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	title={{Self-service technologies: understanding customer satisfaction with technology-based service encounters}}
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	author={{
			MLMeuter
		} and {
			AOstrom
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@incollection{b27,
	
	
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@book{b28,
	
	
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@incollection{b29,
	
	
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	journal={{International Journal of Bank Marketing}}
		
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@incollection{b30,
	
	
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	title={{A study of bank selection decisions in Singapore using the analytical hierarchy process}}
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	author={{
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			KYHar
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@incollection{b31,
	
	
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	title={{An investigation of consumer acceptance of mbanking}}
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	author={{
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	journal={{International Journal of Bank Marketing}}
		
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@book{b32,
	
	
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	title={{Selic Rate}}
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		} and {
			Brazil
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}

@book{b33,
	
	
		,
	title={{Banking Sector in Numbers}}
		
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	editor={ii Brazilian Banks´ Federation}
		
			,
	year={2010. January 2011}
		
	

}

@incollection{b34,
	
	
		,
	title={{Branches Relation (file transfer)}}
		
	
	
		,
	booktitle={{iv Source: Brazilian Banks´ Federation}}
				
			,
	year={December 2014. January 2011. December 2014}
			30
		
	
	,
	note={v Source: Brazilian Banks´ Federation}

}

@book{b35,
	
	
		,
	title={{Author´s Information}}
		
	

}

@book{b36,
	
	
		,
	title={{Eduado Kalil Hanna is a Phd Student and he has been working for a retaling bank for more than twenty years}}
		
	

}