@incollection{,
	
					
					
					F200DD02DE501291716B795CD42976E2
				,
	author={{Jean BoscoHarelimana}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}1815360
}

@incollection{b0,
	
	
		,
	title={{E-Payment and financial performance of financial institutions}}
		,
	author={{
			Chapma
		}}
	
	
		,
	booktitle={{Business management Journal}}
		,
	booktitle={{AS Sciences}}
		
			,
	year={2016}
			11
			19
		
	

}

@incollection{b1,
	
	
		,
	title={{Perceived Enjoyment and Malaysian Consumers' Intention to Use a Single Platform E-Payment}}
		,
	author={{
			LPChin
		} and {
			ZAAhmad
		}}
		
	
	
		,
	booktitle={{SHS Web of Conferences}}
				
			,
	publisher={EDP Sciences}
			,
	year={2015}
			18
			1009
		
	

}

@book{b2,
	
	
		,
	title={{}}
		,
	author={{
			SCheraghi
		} and {
			AMahmoodi
		} and {
			HNazari
		}}
		
		
		
			,
	year={2015}
		
	

}

@incollection{b3,
	
	
		,
	title={{Examining the relationship between perceived risk of customers in electronic payment method and e-commerce in Agricultural Bank in West Azerbaijan}}
	
	
		,
	journal={{The AYER}}
		
			1
			
		
	

}

@incollection{b4,
	
	
		,
	title={{Reserch methodology}}
		,
	author={{
			Douglas
		}}
	
	
		,
	journal={{INES-Ruhengeri Scientific Journal}}
		
			12
			
			,
	year={2006}
		
	

}

@incollection{b5,
	
	
		,
	title={{Loan management and financial sustainability}}
		,
	author={{
			Kaufman
		}}
	
	
		,
	journal={{In Economic and management Journal}}
		
			07
			23
			,
	year={2007}
		
	

}

@book{b6,
	
	
		,
	title={{Analysis of non-performing loan of Equity Bank in Kenya.Microfinance gate}}
		,
	author={{
			Ken
		}}
		
			,
	year={2013}
			13
			
		
	

}

@book{b7,
	
	
		,
	title={{Loan and credits instruments}}
		,
	author={{
			LRieva
		}}
		
			,
	year={2000}
		
	
	,
	note={Moodies services London}

}

@book{b8,
	
	
		,
	title={{«Risk management and operations performance in financial sector in Beligium}}
		,
	author={{
			Richard
		}}
		
			,
	year={1987}
			21
			
			,
	address={Brussels}
		
	

}

@book{b9,
	
	
		,
	title={{Financial services and digital payment}}
		,
	author={{
			Mutombo
		}}
		
			,
	year={2006}
			
			,
	address={Demoine, Chicago, USA}
		
	

}

@book{b10,
	
	
		,
	title={{Macro economic factors and economic growth in Ethiopia}}
		,
	author={{
			Oliver
		}}
		
			,
	year={2000}
			
		
		
			University of Daresalam
		
	

}

@book{b11,
	
	
		,
	title={{The role of management and decision making on business sustainability}}
		,
	author={{
			William
		}}
		
			,
	year={1997}
			
		
		
			Universite de Lavele.Quebec
		
	

}

@book{b12,
	
	
		,
	title={{Operations management and efficiency: Lesson leant from Indonesia}}
		,
	author={{
			JatteWesterfield
		}}
		
			,
	year={1996}
			
		
		
			Cape town University
		
	

}

@book{b13,
	
	
		,
	title={{Research methods for economic and social sciences}}
		,
	author={{
			Yamane
		}}
		
			,
	year={1967}
			
			,
	address={Quebec}
		
	

}